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Question Of The Week

Truck and Camper Insurance Reports

“We have a policy on the camper and we have full coverage on the truck through Farm Bureau.” – Velina Racca, 2000 Ford F350, 2006 Lance 1191

“We had the insurance added it to our auto policy after, like you said, several minutes of “wah, wahhh, wah” on the phone.  But, the policy doesn’t actually list the camper even though the agent said it is covered, so, I don’t know.  Our auto, camper, and home policies are with Travelers Insurance Group.  We may be willing to talk to an experienced camper insurance agent about it.  We are happy with our auto and home insurance, but not sure about the camper addition since it isn’t actually listed on the policy (even though our policy cost went up).” – Ed Henry, 2014 Ram 2500, 2014 Northstar 850SC

“My camper is insured separately from the truck.  The camper is insured by Progressive Insurance.  What surprised me was that the customer service representative knew what I was talking about right away.” – Joe Johnson, 2005 Chevrolet Silverado 1500, 2014 Real Lite 1608

“My camper is insured as part of truck insurance when on the truck, and has a separate rider on homeowners when not on the truck.” – Stan Smelser, 2013 Ford F350, 2002 Fleetwood Elkhorn 9U

“I have regular RV insurance on the camper.  RV insurance through Good Sams Club covers a whole lot more than an auto policy.  Luckily I have not had a claim, but on the other hand, they have been good so far.” – Frank Mertes, 2006 Dodge 3500, 2006 Sunlite 955 SD

“The camper is insured separately on the same policy as the truck.  I was originally with Wawanesa when I got the camper.  I told them what it was and what it cost and my rate only went up $20 for the year.  I was skeptical over this.  So I called Geico and spoke to an agent that was licensed for both RV and automotive insurance.  My agent knew exactly what a truck camper was and created a policy for it.  For $230 a year, the camper is covered for comprehensive and collision, vacation liability ($10k), personal effects ($5k) and emergency expenses ($1k).  These numbers were based on my use estimate of about 120 days a year.  It would change if I use it more or less.  They’ll even create a Canadian policy when we need it.  I haven’t made a claim, but I feel much more comfortable driving around with Geico.” – Jason, 2012 Toyota Tundra, 2013 Phoenix Pulse pop-up

“I insure my camper separately for the full retail value.  It’s with Hartford through AARP.  I am very happy with their service and rates.  Yes, the agent on the phone knew what a slide-in was.” – Shelley Pike, 2009 Ford F-350, 2006 Lance 9SC

“The camper is insured separately.  Progressive carries the camper policy and a separate insurer has the truck policy.  Geico would not insure the camper if they were not insuring the truck.  I did the same song and dance with the individual on the phone that sounded like he was actually in a foreign country (use your imagination).  I have not had to put in a claim so I have no opinion on service.  I did make sure that the year, make, model, and serial number are listed on the policy.  That shows that the exact item they are insuring.” – Blitz Babilon, 2008 Ford F150, 2012 Lance 845

“Our camper is insured separately through our auto policy.  Coverage is full with a starting value of $58k.  I sent a date stamped picture of the inside and outside to our insurance company so they have a visual record of the condition for that policy period.  This will help as supporting documentation if you have a claim and the value needs verification.  We have been fortunate to have inside storage for this camper from the start.  That was not so with our previous Lance as it suffered the wear and tear of being exposed to the elements.  We use Safeco for our camper and everything else (bikes, home, cars, and truck).  They have been the only insurance company – that we’ve been with – where our renewals have decreased in the three years since switching to them.  I’m very pleased!” – Scott, 2007 Ford F350, 2013 Chalet TS116

“The truck insurance covers whatever we have loaded into the truck, so it is covered when loaded.  It is not covered when taken off the truck.  Simple ‘eh?  The insurance company is State Farm.  I happy so far with the insurance company.” – Robert Lawrence, 2004 Chevy 3500, 2002 Lance 1161

“It’s not insured.  When a branch fell on it, we learned from our insurance company that it would have been covered if it had been on the truck at the time it was damaged.  The camper is in need of restoration and repair where the branch hit it.  We’ll look into insurance when we get around to fixing it up.” – Grant, 2005 Ford F350, 1965 Avion C-10

“We insure the truck camper separately as a stand alone policy.  It is valued at actual cash value.  The group sales agent knew what a truck camper was, so we did not have to explain.  We have group rates from our former company Retiree Benefits Package through MetLife.  Our coverage is actual cash value at approximately $12,000 with a $100 deductible with broad form collision/comprehensive.  Our premium is $156 per year.  Road service is included through Ford Roadside Assistance.” – Phillip Chevela, 2012 Ford F350, 2005 Northstar Igloo

“We insure the camper with National General through Good Sam.” – Gordon Hansen, 2004 Dodge 3500, 2008 Arctic Fox 811

“The camper and the truck are insured separately as required by my Credit Union loan.  It was first insured by Liberty Mutual and now is insured by Amica, but it has a deductible collision and comprehensive policy.” – Tim Van Den Bos, 2001 Dodge 2500, 2005 Lance Lite 815

“The camper is insured with the truck, the same comprehensive and collision with endorsement spelling out the Lance.  It’s good on or off the vehicle to include storage, hail, etc.  I spoke to State Farm on this today.  They are very helpful and knowledgeable and explained it all.  I am very comfortable with my plan.” – Scott Young, 2014 Ford F250, 2014 Lance 855

“When the camper is on the truck, it is covered by the truck policy.  When the camper is at home, it is covered by the homeowner’s policy.  In short, I have no separate policy for the camper but all is covered by State Farm Insurance.” – Steven Cilenti, 1999 Ford F350, 2012 Arctic Fox

“It is insured as part of our truck insurance through Auto Owners.  I believe full coverage is less than $100 per year.” – Mike Shropshire, 2014 Ram 2500, 2014 Palomino SS1251

“I do not insure my truck camper at the moment but, if we decide to full-time, then I might reconsider my options.  I insure my truck with Geico, and I will be talking with them in the near future about additional insurance for the truck camper.  I know they offer it.” – Dave Gaskins, 2013 Dodge Ram, 1992 Lance

“I’m with Allstate in Montana and they just add it to the truck’s policy.  I got absolutely no “Wah Wah Wah”.  My agent knew exactly what it was and what to do.” – Rick Fletcher, 2014 Ram 3500, 2013 Arctic Fox 996

“I have USAA have had no problem insuring a truck camper as part of my truck insurance.” – Philip Tron, 2009 Chevy 3500, 2012 Lance 1050

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