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Kayteg1

California > Nevada

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Posted: 06/16/21 02:52pm Link  |  Quote  |  Print  |  Notify Moderator

Grit dog wrote:

Kayteg1 wrote:

Camper, just like any cargo is covered by auto insurance (with its limits) when house umbrella policy can add to it.
I don't buy $50,000 campers, so never worried about it.
I would say "consult your insurance agent" but as above shows, you can't trust those guys and I had bad experience with agency in the past as well.


And don't consult Kayteg either. Camper is not just automatically covered like any other cargo on your auto policy.

This forum should be called Falseinfo.Net based on a great number of the member's "theories."

Well.... it is in states where camper is a cargo.
Log years since I owned TT, but it was covered under my car policy as well.
Just read the fine print as cargo/trailer coverage comes with low limits.





TxGearhead

Texas

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Posted: 06/16/21 03:25pm Link  |  Quote  |  Print  |  Notify Moderator

In Texas a truck camper is consider cargo and is covered as such by the trucks insurance when on the road. No license plate either.
When stored at home the truck camper is covered by the home owners policy.
I did drive by my insurance agents office and let them take a pic and record the serial number.


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specta

utah

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Posted: 06/16/21 03:45pm Link  |  Quote  |  Print  |  Notify Moderator

I would find an independent insurance agency and talk to them.


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brholt

Seattle

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Posted: 06/16/21 06:58pm Link  |  Quote  |  Print  |  Notify Moderator

I would be very careful about this. When looking for insurance I talked to a number of insurance companies about the camper and several told me that it would be covered as cargo. When I asked them if they would cover me if I loaded a $50,000 grand piano in the truck and crashed it there was silence, a check with the supervisor, and then the said it would not be covered.

There are insurance companies that know exactly what a truck camper is and will write a separate policy. Fine one of those companies.

Kayteg1

California > Nevada

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Posted: 06/16/21 08:10pm Link  |  Quote  |  Print  |  Notify Moderator

brholt wrote:

I would be very careful about this. When looking for insurance I talked to a number of insurance companies about the camper and several told me that it would be covered as cargo. When I asked them if they would cover me if I loaded a $50,000 grand piano in the truck and crashed it there was silence, a check with the supervisor, and then the said it would not be covered.

There are insurance companies that know exactly what a truck camper is and will write a separate policy. Fine one of those companies.

You make it sound complicated.
As I posted above - cargo is insured with low limits, so if you plan to total $50k unit, you better get special policy for it.
My campers I bought used, when I don't make accidents, so low comprehensive insurance don't bother me.

specta

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Posted: 06/16/21 09:05pm Link  |  Quote  |  Print  |  Notify Moderator

My camper has a separate policy with an agreed replacement payout.

BurbMan

Noblesville, IN

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Posted: 06/16/21 09:06pm Link  |  Quote  |  Print  |  Notify Moderator

brholt wrote:

There are insurance companies that know exactly what a truck camper is and will write a separate policy. Fine one of those companies.


Suggestions welcome!


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Supercharged111

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Posted: 06/16/21 09:35pm Link  |  Quote  |  Print  |  Notify Moderator

The way I understand it, the truck policy will cover it to an extent. What that extent is I do not know. I wanted mine covered when it wasn't on the truck and to its total value, so State Farm added the camper as a rider to my truck and apparently that covers the whole shebang for like $8 a month. I now store it in a hangar and fear very little about the camper when it's not on the truck.


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Sjm9911

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Posted: 06/17/21 05:36am Link  |  Quote  |  Print  |  Notify Moderator

I have insurance on mine, it was relatively cheap, 120 or so for the year on a 10k camper. I was told the same, liability is covered by auto , everything else is on the camper insurance. It would probably depend on state, and compony as to whats covered. Everywhere is diffrent.


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specta

utah

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Posted: 06/17/21 06:46am Link  |  Quote  |  Print  |  Notify Moderator

BurbMan wrote:

brholt wrote:

There are insurance companies that know exactly what a truck camper is and will write a separate policy. Fine one of those companies.


Suggestions welcome!


Germantown Mutual Ins is who insures mine.

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