Insurance coverage

[COboondocker]

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 informed them that they had no problem insuring our old camper up to $37,500 they looked back at the policy and said it was only insured to $7,500. The call dropped right after that. I call back and speak to someone else who informs me my camper is only covered to $4,500. I asked where the discrepancies were coming in but they couldn't answer.

Anywho....long story short I'm looking for a new insurance company. Who do you guys use? Are you sure you're covered for what it's worth? Bonus points if anyone has had to file a claim on their camper and succeeded. Thanks

ETA: does anyone have their combo insured as an RV? We don't use the truck as a daily driver and rarely even take the camper off. I'm checking with Liberty to see if this is an option.

[Bionic_Man]

adambeck7 wrote:

thedavidzoo wrote:
Agent said she has added the TC specifically to both policies. I will confirm for sure though!

Same with my agent. Took year, make, model, dollar amount, everything. Said I was good to go. A year later when I called they said it wasn't covered under homeowners at all and covered to $7500 on the auto policy. Initial two reps said it was covered under homeowners off the truck and insured to $37,500 on the truck. Needless to say, we switched. I've been very happy with progressive.

Should always read the policy language regarding stuff like this.

Insurance premiums are based upon many variables, but a major one is what it is going to cost to replace the covered item in a total loss. Years ago when I was in the auto insurance business, many auto policies had "additional items" coverage to a max of $5000. Add a zero for the cost of many of the new campers. Would hate to need to replace the camper only to learn you don't have coverage.

[COboondocker]

thedavidzoo wrote:
Agent said she has added the TC specifically to both policies. I will confirm for sure though!

Same with my agent. Took year, make, model, dollar amount, everything. Said I was good to go. A year later when I called they said it wasn't covered under homeowners at all and covered to $7500 on the auto policy. Initial two reps said it was covered under homeowners off the truck and insured to $37,500 on the truck. Needless to say, we switched. I've been very happy with progressive.

[thedavidzoo]

Agent said she has added the TC specifically to both policies. I will confirm for sure though!

[COboondocker]

thedavidzoo wrote:
Digging up the past here a bit, but just got off the phone with USAA.

TC is covered under my auto policy while on the truck, same terms as truck, no additional cost.

Covered under my homeowner's insurance while off the truck, in my driveway or in a campground worldwide. Subject to terms of my HO policy (deductible, limits, etc.), no additional cost.

Get it in writing. Dollar amounts and the specific camper you have. Liberty mutual rep said I was covered just like you. I spoke with a different rep who confirmed then a manager had a different opinion. It wasn't covered under either despite what I was told by two different employees.

[thedavidzoo]

Forgot to add this above: this is for VA, so no titling or registration.

[thedavidzoo]

Digging up the past here a bit, but just got off the phone with USAA.

TC is covered under my auto policy while on the truck, same terms as truck, no additional cost.

Covered under my homeowner's insurance while off the truck, in my driveway or in a campground worldwide. Subject to terms of my HO policy (deductible, limits, etc.), no additional cost.

[Geewizard]

TCINTN wrote:
State Farm

Camper on truck it is on truck policy
Camper off truck,on home policy
Written confirmation in my file and at dealer.
No extra cost on either home or truck.

x2

[HadEnough]

Probably credit issues stemming from divorce. Notice I am a cash buyer for the tc who saved up. Credit is lousy.

Well, screw em.

No insurance, then. (Isn't required in my state unless you've been in accidents)

No claims, no accidents in my life. A couple tickets 25 years ago.

I'll take my chances.

[Grit_dog]

HadEnough wrote:
Ridiculous insurance prices...

What are some of you currently paying?

I just got a quote from Progressive.

2009 arctic fox, 2002 dodge ram diesel. $367 a year for TC....

$1500+ for truck!

Insured both, got collision/comprehensive on truck. No accidents in my lifetime. None.

Paying close to $2000/yr seems insane to me.

You got something on your record.
07 Ram Mega, full coverage, decent liability limits, $1k deductible on all. Truck is more like $6-700 per year. 03AF is $250? I think. You realize accidents, tickets, credit score, claims on other policies all affect your rate? I.e. If you have bad credit you'll pay like you have speeding tickets! It s ucks but with the immediate availability of your entire life history, insurance companies have added many more qualifiers to their rate matricies.

As several people have said it serves everyone well to fully understand your policies and shop them once in a while. Insurance companies can and are just as crooked as used car dealers. They don't gaf about you and your camper. They care about $ only.

[COboondocker]

HadEnough wrote:
Ridiculous insurance prices...

What are some of you currently paying?

I just got a quote from Progressive.

2009 arctic fox, 2002 dodge ram diesel. $367 a year for TC....

$1500+ for truck!

Insured both, got collision/comprehensive on truck. No accidents in my lifetime. None.

Paying close to $2000/yr seems insane to me.

whoa. we're paying 1200/year for 3 (close to new) vehicles and $180/year for the camper through progressive. state farm wanted $800/year more. liberty mutual who we had prior was 1480 for just vehicles and they won't insure a camper to over 24,999.

[HadEnough]

Thanks for the info. I'll give State Farm a try.

[anutami]

HadEnough wrote:
Ridiculous insurance prices...

What are some of you currently paying?

I just got a quote from Progressive.

2009 arctic fox, 2002 dodge ram diesel. $367 a year for TC....

$1500+ for truck!

Insured both, got collision/comprehensive on truck. No accidents in my lifetime. None.

Paying close to $2000/yr seems insane to me.

That is insane!!!
I pay about $1200 a year for my two 4 runners, f350 and truck camper.

[bighatnohorse]

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

[HadEnough]

Ridiculous insurance prices...

What are some of you currently paying?

I just got a quote from Progressive.

2009 arctic fox, 2002 dodge ram diesel. $367 a year for TC....

$1500+ for truck!

Insured both, got collision/comprehensive on truck. No accidents in my lifetime. None.

Paying close to $2000/yr seems insane to me.