Insurance and RAM 5500

Optimistic Paranoid wrote:
My understanding is that a truck camper is covered by your homeowner's policy when it is off the truck and sitting at your house, and covered by your vehicle's policy when it is on the truck. But if you take it off the truck anywhere else like a campground (if, for instance, you need to get some work done on your truck and they need to keep it overnight.) it's not covered by either policy.

I've heard insurance agents say this to me and a couple of folks I know who have applied for insurance for their truck camper. I think they're referring to coverage for a "topper" or camper shell, typically worth no more than a couple thousand dollars. In many cases these are considered a truck accessory or personal item (homeowner's policy) and do qualify for some limited coverage. For those with truck campers worth $25k-$50k (especially if they're registered and titled) rather doubt a typical truck or homeowner's insurance policy is going to provide coverage---especially in the event of a total loss. Unless you have the truck camper's make, model and VIN listed somewhere on your truck or homeowner's policy, IMO coverage is very questionable.