Insurance coverage
Since we got a new camper I called our insurance company (Liberty Mutual) to add the new camper to our auto policy. They said they can't insure it since they'll only insure up to $24,999. When I infor...
Forum Discussion
I totaled my first camper.
State Farm paid for it at current replacement value. No problems.
Originally, the camper was added to the truck policy at a cost of $15.00 for the rider.
Homeowners insurance covered it at home. Truck insurance covers it while on the truck. The rider covers it if, for example, I leave it somewhere like a state park and a tree branch falls on it or someone runs into it.
These are questions that one should ask their agent.
Having a homeowners policy is a foundation upon which other policies seem easier and cheaper to build.
Also of great importance is the insurance agent him/herself. An agent who is current on insurance law and keeps him/herself informed is VERY important.
Based on some of the comments about State Farm, I think that their agents may be better schooled and have higher requirements than other insurance company agents. YMMV
State Farm paid for it at current replacement value. No problems.
Originally, the camper was added to the truck policy at a cost of $15.00 for the rider.
Homeowners insurance covered it at home. Truck insurance covers it while on the truck. The rider covers it if, for example, I leave it somewhere like a state park and a tree branch falls on it or someone runs into it.
These are questions that one should ask their agent.
Having a homeowners policy is a foundation upon which other policies seem easier and cheaper to build.
Also of great importance is the insurance agent him/herself. An agent who is current on insurance law and keeps him/herself informed is VERY important.
Based on some of the comments about State Farm, I think that their agents may be better schooled and have higher requirements than other insurance company agents. YMMV
