insurance questions

[MG1912]

1. Once I put the camper on the truck and head out on the road, do I need to inform my auto insurance company, i.e. does that change anything for liability/insurance purposes, i.e. would it cause issues if I got into a collision and hadn't told my insurance company about the camper beforehand?

2. How are you all insuring your actual truck campers? It's a high-dollar item (for me, at least), and I would imagine people want them insured.

Many thanks in advance.

[KPetrick]

Otrfun,

Give us a call at Good Sam Insurance Agency. We have 4 carriers that have excellent RV programs. We can talk coverage and price and do comparisons with you.

Keith - Director of Good Sam Insurance Agency

[K_Mac]

JimK-NY wrote:
Where did the OP or anyone else get the idea that insurance on a truck provided ANY coverage for a camper? That would not be true for most insurance policies. You need a separate, additional policy.....Period.

..My insurance agent (40 + yrs.) Has for the past 8 yrs. of T.C. ownership, always tells me my T.C. is covered as cargo on truck and under my homeowners policy at home on/off truck. I specifically asked about on/off at home because of my neighbors tree. I however also have an additional full replacement policy, because I do remove T.C. at various places in our travels. Our agent (father+son owned agency) just switched from All----- to ----- Farm. My additional policy comes in right about $200. per yr. The switch for them saves us right around 1.5K. Aotu ,home,life.

[specta]

Nope. No personal injury.

[otrfun]

specta wrote:
I have a separate policy on my camper. Its covered 24/7/365 regardless of where it is or what happens to it . . .

No doubt it provides 365/24/7 collision/comprehensive coverage. However, does your TC policy provide 365/24/7 personal injury liability coverage specifically for your TC, regardless whether it's on the truck, off the truck, at a campground or storage facility?

Been looking for a carrier that provides 365/24/7 personal injury liability (standalone) coverage for a TC that's used for recreational, non-full-time use. So far, no joy.

[specta]

I have a separate policy on my camper. Its covered 24/7/365 regardless of where it is or what happens to it.

The ins is cheap.

[Kayteg1]

Insurance coverage is always murky for a purpose, but shouldn't homeowner umbrella policy cover all liabilities you can face?
Even when ranger breaks his leg entering your TC drop at the park?

[otrfun]

double post

[otrfun]

bookmaker wrote:
. . . One issue I discovered with getting insurance on the 1181, liability insurance on the camper. While it is on the truck, the truck insurance may cover. If at home, my homeowner's policy may cover. But what about if it is off the camper away from home? What if someone falls getting in or out? Or some kid is running through the area and splits his head on the slide out? . . .

^^^^^Good point! Researched this quite a bit. Every agent I talked to said they were "reasonably confident" an umbrella policy would provide personal liability coverage when the camper is not physically sitting on the truck, or at home. As for specific, in writing, air-tight personal liability coverage when the camper is off the truck, say, at a storage facility (or campground), well, none of the agents could provide that---unless you claimed you were living in it full-time.

[bookmaker]

My Lance 1121 that we owned for 12 years was totaled by Hurricane Michael. It was insured with a separate policy through Progressive. Turned out it was an agreed upon payout policy and I received the amount that I had paid for the camper NEW in 2006. I was very pleased. The premiums were reasonable.

We now have an "new" camper, a 2010 Lance 1181 and it is also insured with the same type policy.

One issue I discovered with getting insurance on the 1181, liability insurance on the camper. While it is on the truck, the truck insurance may cover. If at home, my homeowner's policy may cover. But what about if it is off the camper away from home? What if someone falls getting in or out? Or some kid is running through the area and splits his head on the slide out?

Many companies will not provide liability coverage on campers (other than motorhomes). Progressive has Vacation Liability coverage. We have this. Hope we never use it.

Dale

[TxGearhead]

JimK-NY wrote:
Where did the OP or anyone else get the idea that insurance on a truck provided ANY coverage for a camper? That would not be true for most insurance policies. You need a separate, additional policy.....Period.

I got that idea from my State Farm agent. We all don't live in New York.

[GeoBoy]

Optimistic Paranoid wrote:

Kayteg1 wrote:
Do I want to pay $500 annual premium for it, when I live in place with no tornadoes and no floods? NOPE

Ah, but do you live in a place with no idiots who text while they drive?

Their everywhere!:S

[Optimistic_Para]

Kayteg1 wrote:
Do I want to pay $500 annual premium for it, when I live in place with no tornadoes and no floods? NOPE

Ah, but do you live in a place with no idiots who text while they drive?

[Kayteg1]

Bare in mind that statistically insurance is like casino gambling.
You will loose money on it.
Sure when you have $75,000 new TC, you want it insured from flood damage, hail damage, rat damage, snake damage and lot more.
But my camper is worth in $10,000 range. Do I want to pay $500 annual premium for it, when I live in place with no tornadoes and no floods?
NOPE

[brholt]

Kayteg1 wrote:
TC is a cargo and if you have expensive policy, it automatically covers cargo.
Read what you have, or call your agent.

When I was shopping for insurance one of the agents told me this. I asked him if I was carrying a $20,000 grand piano would the insurance cover it? After thinking about it a bit he said no, not really. Turns out there are some low limits for cargo in the fine print.

Check carefully but I think you are best off with a separate rider.

Brad