Insurance!
This has me hopping mad! I've been a USAA member for a LOT of years (40+) and always had my TT insured through them. Now they're out of the RV segment and have partnered with Progressive for that. ...
Forum Discussion
Beaker wrote:burbman wrote:
If you had $5000 worth of expensive furniture in your truck and you were in a crash and rolled the truck and ruined the furniture, the auto policy would cover damage to the truck and homeowner's would cover the loss of the furniture. Same with the camper, it's personal property like furniture, not a vehicle.
My understanding is you need separate collision for the camper, it is not "personal property".
Tow vehicle protects for liability if camper causes damage while being towed, or comes loose.
Homeowner policy used for loss of furniture and personal liability on camper.
That's how it was explained to me by insurance agent.
This is how Allstate does it. I insure my Northstar 12STC truck camper for $35,000 value. The collision costs $65 per year and comprehensive costs $107 per year. The truck policy covers liability if the camper causes damage to someone else's stuff.
