Trouble Finding Insurance for Custom Truck Camper

It looks very similar to a TC build plan I've seen surfing around the internet before. If a plan can be matched to that camper, you might be able to establish a stronger precedent for the build as a proven design. If it still matters.

Well if the pics are any indication of the actual condition I think for what you paid offsets the price of insuring.
I see the ac, awning, pretty good size refer. Wet bath? Any other pics inside?
Was the p/o the original owner who had built or builder.

AnEv942 wrote:

really curious about the camper. It looks awfully nice for a $3500
camper. If home built some one went the distance judging from pics. (the 2 teaser pics I might add:). Took me a sec to identify that funny looking floor mat, maiden trip home?

lol. just saw this. yes! that's my truck's tail gate. picture taken right after i got home.

BTW, I bought it for $1900! It was supposed to be $2K but one of the hydraulic jacks has failed so he knocked $100 off. Still, a great deal. I just think it's worth at least $3500.

I finally found insurance through National General. They were the only ones who didn't act like I was crazy. It was a little more expensive than I wanted to pay but it could be cheaper if I move my truck ins' over to them as well. Also, their deductible was lower than I expected which is pretty cool. And, they let you put the collision into dormancy when you don't drive it, so the winter months can be a bit cheaper. So I'm pretty happy. Not sure how it will be until I have to make a claim, but I'll look around for posts about that...

I assume by "not a name brand" and "custom built" referring to home built or otherwise not by a camper manufacture?

But as to insuring, were in CA. Camper requires neither title or registration, on its own I imagine it would be difficult to find off the shelf insurance compared to a MH or TT. Truck camper is cargo covered by the policy on truck. When bought new our truck ins satisfied lender requirement. (I don't know how that worked as camper was worth truck value but premium only went up a few $).

Later when we switched ins, camper paid off, we had requested it to be specifically added to truck policy. Few years later when we claimed against it they covered repair expenses-it was noted that camper was never added to policy but they had record of the request & agreement to add. Next bill went a up a few dollars and a single sentence was added that says
"This truck carries an on board camper" Thats it.
When originally added value was set $20,000 by answering the question, Whats it worth?. Name, feature, nothing else was asked.

The paying for a place to stay etc- Idunno, unless your truck has ins
that covers that. We had something like that on our old MH for a while but paid dearly for it. Like AAA roadside but it included some extras. Id assume again on truck?
My only suggestion at this point would be a local RV shop that sells TCs-might even contact Good Sam. Farmers or Allstate. tried the links on the NADA site that leads to Progressive-but it dead ends once you get to RV type selection. However alot of folks use progressive

One of many-An older thread, if value etc is against brand you might have to get appraised by some? source that would satisfy ins. Mention to your Geiko agent your probably be changing companies to get camper covered-they might send someone out? Affordable cost wise would probably be simple liability while in truck, the replacement for value-reimbursement for inconvenience-shelter/car rental etc, thats going to be expensive. I wouldn't think premium have anything to do with the campers worth and be well unjustifiable. I understand if you lost camper tomorrow, 500 miles from home you'd be up a creek but doesn't mean someone else is going to risk covering that for a few dollars. But practical would be up to you.

Rambling-last thought is Glen-L site etc, might yeild leads, many home builts out there-

All that aside & hope you find something that'll work for you,
really curious about the camper. It looks awfully nice for a $3500
camper. If home built some one went the distance judging from pics. (the 2 teaser pics I might add:). Took me a sec to identify that funny looking floor mat, maiden trip home?

Did you try National General Insurance formerly GMAC insurance thru the Good Sam Club. My 2003 Lance 1161 is insured along with the truck, and Jeep. If military or former military try USAA. Good luck

You said it's not a "name brand". Is it in an NADA listing ?

Ask your.....or any.....insurance company to send someone to your house and appraise the camper. You need an "agreed value" amount on your policy.

Off topic, but very nice job for home made. Looks factory.

My concern would be that you pay $350 or so a year to insure what you paid $3500 for and when there's an accident the insurance company calls it totaled and hands you a check for $500. That's exactly why you don't carry collision on older cars.