Truck Camper Liability Insurance
Hello, We own an old truck camper. It's not worth much as far as property value and it has no VIN or serial number that I can find, so we haven't insured it in any way. BUT, recently friends of mi...
Forum Discussion
The liability insurance on the tow vehicle should cover any claims against a TT or camper as long as the TT/camper was being towed/hauled by the tow vehicle at the time of the accident. However, once the TT or camper is removed/detached from the tow vehicle (at home or in a campground) the liability insurance for the tow vehicle will no longer provide coverage. At that point, one would hope their homeowners or umbrella insurance would provide coverage; however, that's not a given. Have to read your policy's fine print. Ideally, you'd want to purchase liability insurance for your TT or camper that provides standalone, 24/7 coverage. Unfortunately, 24/7 coverage is very hard to find (most only provide "vacation" liability coverage---only active when you're using the TT/camper). You can get 24/7 liability coverage if you claim you're living in the TT/camper full-time.
