Truck Camper Insurance

[martyn8677]

Sorry if this is a common topic, but I did a search and did not find anything.

I'm curious to hear about your insurance coverage on your truck camper. My previous auto insurance company, The Traveler's said I just needed a rider on my truck as part of my auto policy to cover my camper. If the camper was being carried on my truck it was covered, and parked at home, covered under my homeowner's policy. So, my total insurance was very inexpensive.

Then I switched to Allstate and they told me the above was not true and that it needed to be added to my auto policy individually, not just as a rider on my truck. I have a 2013 Lance 1050S and this is costing me about $450 per year here in the state of Texas.

Wondering why I got different stories from different agents/companies and how that compares with some of you?

Thanks.

[wvabeer]

My truck insurance (State farm) was only raised $7.63 a 6 months. value $26000

[pbrooks101]

I HAD Maine Mutual Insurance up until last year. My TC coverage was $67/year and was added to my vehicle policy. Essentially, just another vehicle for MMG. It covered comprehensive and collision. Liability was covered under my trucks policy. What was important with my stand-alone policy was it covered it OFF the truck.....

In September of 2013 my neighbors tree snapped in a wind gust and.... you guessed it.... right through the roof of my TC.... insurance company sent an adjuster, looked it over, and considered it totaled, Had to haggle a little with them about the value but I ultimately prevailed.... minus my $500 deductible, they paid me what I came up with for a value (just over $18K at the time). I was also able to buy the camper back from them for a VERY good deal, spent about $400 to fix it myself, and it's as good as new as far as I'm concerned....... (see my related RV.net post here here about that)

The UNFORTUNATE part of all this is when my policy came up for renewal last October..... they dropped me..... 17 years with them, this claim and a few windshield claims over the years and they dropped me.....

I asked them at the time of the incident what my homeowners policy would have paid because the camper was off the truck and just sitting in my yard. They told me they would have only paid a maximum of $3000 as "another structure" but my homeowners policy would have covered the clean-up of the tree minus my $1000 deductible.

I've since moved to SafeCo (apparently owned by Liberty Mutual) and everything is covered as it was before.... camper was just slightly more of a premium than MMG (around $100/year) and they didn't have a problem covering it even though it has previous damage. If something happens to it again they would pay the current value (taking into consideration it would be considered a "salvaged" camper)

I would highly recommend having a separate policy for a TC and not just rely on homeowners or a vehicle's policy to cover it, based on firsthand experience.

pbrooks101

[Bigfootchevy]

I agree, Peace of mind is worth something.

That's why I carry an individual policy on the truck and one for the camper.

Last year my camper was totally destroyed while off the truck and the insurance company paid up no problems at all. I pay about $400.00 a year but that's for replacement insurance on my camper.

Years ago I believe they use to insure whatever was in your box but now days that's a totally different story.

Paul

[kerry4951]

Rexsname wrote:
Well it seems as tho everyone agrees that the truck policy covers the camper when it is on the truck and the home policy covers the camper when it is off of the truck AT HOME. What about when the camper is off of the camper at an RV park or at a campground?

REX

Thats why I carry a separate and individual policy on the TC. Im not taking any chances for what little it costs me. Peace of mind is worth something.

[Super_Dave]

Since some States require registration (license plates) I wonder if that effects their insurance label, i.e. cargo vs. not?

[2oldman]

Insurance in Subject only, TC forum

[Rexsname]

Well it seems as tho everyone agrees that the truck policy covers the camper when it is on the truck and the home policy covers the camper when it is off of the truck AT HOME. What about when the camper is off of the camper at an RV park or at a campground?

REX

[-Kevin]

I have USAA and called when I got mine to add and she had to ask several coworkers and google and image of a truck camper to find out what I was talking about. Then they were able to add the camper to my auto policy but it is attached to the truck policy. cost's and extra 68 bucks/6 month.

the camper will be covered by both your home owners policy (your things) and auto policy (camper only). every policy is different and every insurance company is different it seems.

[joeshmoe]

fuelhauler wrote:
My tc ins. is $125.00 a year covered on & off the truck through Progressive.

So you're only paying $62.50 every 6 mos.? Wow, I'm getting ripped at $275 for 12 mos. with Geico.

[stanleyrhill]

Hi all, this is a topic that I'm familiar with. I am a licensed in Washington and Oregon. My company offers an endorsement on your auto policy, it identifies the camper via serial or vin numbers, what you paid for the camper and NADA values. The coverage is for comprehensive and collision. Your trucks liability covers the camper. Comprehensive covers your camper for fire, theft and vandalism, if your campers off your truck and burns to the ground you would be paid for the value of your camper minus the deductible. I think everyone knows how collision coverage works. We also have a stand alone policy were you can customize your coverage, its more expensive and at the moment I carry this insurance on my camper, I'll probably will switch back(costs around $42/mth compared to $10/mth). If you need any information PM me. Stanley

[c_traveler2]

martyn8677 wrote:
Sorry if this is a common topic, but I did a search and did not find anything.

I'm curious to hear about your insurance coverage on your truck camper. My previous auto insurance company, The Traveler's said I just needed a rider on my truck as part of my auto policy to cover my camper. If the camper was being carried on my truck it was covered, and parked at home, covered under my homeowner's policy. So, my total insurance was very inexpensive.

Then I switched to Allstate and they told me the above was not true and that it needed to be added to my auto policy individually, not just as a rider on my truck. I have a 2013 Lance 1050S and this is costing me about $450 per year here in the state of Texas.

Wondering why I got different stories from different agents/companies and how that compares with some of you?

Thanks.

I have Allstate for my insurance and yes I carry a separate policy with them for my TC. My home owner policy doesn't cover the TC so off the truck there was no coverage on it.

[tonymull]

My 1998 Pastime cost me $3500..so no insurance needed. Another good reason to go used.

[edbehnke]

just start looking for different insurances.

[KD4UPL]

I have Erie insurance. My TC is listed as a vehicle on my auto policy including it's VIN. It costs me $123 a year.

[martyn8677]

thanks everyone. Will definitely call Progressive for a quote tomorrow on a stand alone policy. Sounds like I am definitely paying too much.