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Question Of The Week

Truck and Camper Insurance Reports

This week’s Question of the Week was, “Do you insure your truck camper separately, as part of your truck insurance, or not at all?”  109 Truck Camper Magazine readers reveal their truck camper insurance situation.

“I insure my camper separately through the Personal Insurance Company.  I am proceeding with my first claim on the camper and so far they have not disputed it being covered.” – Steven Gasser, 2013 Dodge Ram 3500, 2003 Adventurer 90FWS

“We are insured by adding the camper onto our auto policy, specified by manufacturer, model, and serial number.  I was told to be certain that it’s covered for damage when not on the vehicle.  My agent assures me that it is.  I haven’t had to find out, thank goodness!” – John and Marylou Wells, 2011 Chevy 3500HD, 2012 Chalet Ascent S100F

“No we don’t insure the camper separately.  The camper has the same coverage as the truck and is considered part of the truck.” – Lori Hall, 2010 Ford F-250, 2012 Wolf Creek 850

“The camper is insured separately.  Progressive is the carrier.  Our independent agent says the camper is covered under the truck policy only when the camper is on the truck.  It may be under my homeowners policy if something happens while at home and off the truck.  The separate insurance is for damage that happens to the camper while off the truck and not at home, or so he says!” – Mike, 2010 Silverado 2500HD, 2003 Elkhorn 8R

“It is part of our truck insurance through USAA Insurance.” – Phil Berglund, 2010 Ford F-150, 2013 Palomino 6601

“I insure the camper separately through American General Insurance (Good Sams).  I am not happy with their service.  We were in a bad hail storm in Amarillo, Texas two weeks ago, and it broke windows in my camper and dented my truck.  The insurance charged two deductibles; one for the truck, and one for the camper.  I still haven’t had the glass replaced.  I even called the factory and got the part numbers for them.  They told me to take the truck to a paint-less repair facility.” – George Baker, 2003 Ford F450, 2008 Arctic Fox 990

“Apparently, my camper insurance is a rider on my truck insurance for a fee of $29 per six months.  It’s through State Farm.  My agent had to call underwriting and explain it.  I was on hold for thirty minutes, and then was told it can be added at no fee.  Then later I got a $29 charge.  Exasperating, but I do have it in writing that the camper is covered, with the make, model, and value stated.” – D. Brown, 2014 Ford F350, 2014 Lance 855S

“The camper is added to the truck policy.” – Linda Carstens, 2012 Ford F-350, 2014 Lance 1050S

“We have not insured the campers at all.  We’ve owned four pop-up campers.  Our current one we bought used in 2005 and have never felt the need to insure it.  When you buy a used camper only to scratch and dent it off-road, it hardly seems worth it to go through the Wah-wa-wahhh hassle.  Especially, as you pointed out in your lead-in, that you’re not even sure it’s covered even after paying to insure it.  The truck?  Absolutely!  Camper?  Nah.” – Cliff and Susie Kellogg, 2006 Chevy 2500 HD, 1999 Apache pop-up

“The camper is insured and listed separately on my policy.  Several years ago, when the camper was in storage, a tree limb fell causing a roof leak.  The entire front end of the camper had to be rebuilt, which was approximately $9,000.  The insurance had no problem paying and actually told me to find any repair shop I wanted.  I have Cincinnati Insurance Company in Cincinnati, Ohio.  The agency I use is, Hosket & Ulen, LLC in Dublin, Ohio.  I have used these guys for years and have never had a problem with any of my insurance needs.” – Jim Dozieer, 2009 GMC Sierra 3500 HD, 2006 Arctic Fox Silver Fox Edition

“The Arctic Fox is covered as part of the truck insurance.  We use State Farm and we had a $14,000+ claim on the camper last year due to leakage and major repair.  After a $1,000 deductible, it was fixed perfectly.” – Marv and Julie Krueger, 2004 Chevy Silverado 3500, 2005 Arctic Fox 1150B

“I have State Farm insurance and they were able to add it to my truck insurance for a fairly small premium.  Progressive offered a quote but it was nearly $400 per year, which seemed very expensive.” – Michael Dunaway, 2013 Ford F350, 2010 Lance 855

“My camper is on the same policy as my truck, but it is listed separately.  I use Cincinnati Insurance.  It took a few minutes to explain to them what I wanted insured.  When they finally understood it was more than a camper shell, and I told them how much it cost, they added it and assured me that it was covered even when separated from the truck.  I just recently purchased the truck, camper, and policy, so I may do some reading to assure myself that I am covered as expected.” – Lance Martin, 2015 Ford F250, 2014 Palomino HS6601

“The camper is insured as part of my All State truck policy.  I specifically sent them a copy of my bill of sale so they knew what they were insuring and what it cost new.  In this area of Colorado (north of Denver) there are many new and used camper businesses and manufacturers, so slide-in-truck campers are quite well know here.  I also noted it was listed on the policy.” – Larry Petty, 2012 Ford F150 Super Crew, 2012 Hallmark Milner

“Not at all.” – Roy Bertalotto, 1998 Palomino Bronco

“The camper is insured as part of the truck, I think.” – Jerry Sheffield, 2014 Ford F-350, 2014 Lance 1172

“My camper is covered by my truck insurance when it is on my truck, and then covered by my homeowners’s policy when off the truck.” – Henry Nelsen, 2007 Toyota Tundra, 2012 Northstar Liberty

“Not at all.” – Wayne Weeks, 1999 Ford F-150, 2006 Apache

“Not at all.  I was told it would be covered under homeowners if it was damaged in the garage.  I have State Farm and I’m looking for another company now.” – Hugh Benscoter, 2005 Ford F250, 2009 Phoenix

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