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#1 100acrehuphalump

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Posted 30 March 2015 - 02:23 AM

Do you guys insure your FWC campers, if so what kind of insurance and how much and what kind of coverage, and do I need to let my regular insurance company know I'll be carrying a camper? I have no clue. Thanks

Edited by 100acrehuphalump, 30 March 2015 - 02:26 AM.

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#2 RC Pilot Jim

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Posted 30 March 2015 - 03:07 AM

We belong to the " Good Sam Club" since 1985. They offer group rates on RV's, campers, auto's. Full coverage on the Eagle with $500 deductible, $250-500 liability about $150 per year. I told them it was mounted full time.

Edited by RC Pilot Jim, 30 March 2015 - 03:08 AM.

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#3 BillM

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Posted 30 March 2015 - 03:45 AM

We have our camper covered for the purchase price through Progressive, $100/yr.


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#4 Michaelcanv

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Posted 30 March 2015 - 03:58 AM

When I bought my FWC called state farm (my truck ins) and camper is not covered as part of my truck insurance (not sure about other ins companies).  You will need to set up a policy, was very easy, and not expensive...did it with SF.  You do not need to insure it...but better safe than sorry.

 

My agent told me I did not need to let them know, I actually had to specifically ask if they could insure it.  Had to send pictures and proof of purchase/receipt...FWC website was helpful to them as well...  Easy to describe a FWC when on truck and in person, but over the phone hard to explain what it is.


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#5 Beach

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Posted 30 March 2015 - 04:06 AM

My State Farm policy covers the camper as long as it is on the truck since it is considered a load. I didn't believe it till they showed me the reply email from the under writer, which I have a copy of. This might vary from state to state so best to ck locally.


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#6 Stalking Light

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Posted 30 March 2015 - 12:06 PM

MyState Farm truck policy covers the camper too but they did add the camper price to the truck price so the vehicle value increased.


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#7 JHa6av8r

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Posted 30 March 2015 - 01:31 PM

USAA is what I have, and they cover a canopy, camper, our anything the truck hauls in the bed. I was skeptical so asked them to show me in the policy where it says that, and they did! It's right there, so the bank who helped me finance part of the cost of the camper made a copy of the policy. That's all they required...

My advice - always tell them your hauling it, and get coverage for replacement in writing!

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#8 Old Crow

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Posted 30 March 2015 - 03:31 PM

I went through this recently with Erie Insurance.  In my case, I was asked to provide a serial number and approximate value. The camper is considered an accessory to the truck (I'm told) and there was no additional cost for it.

 

After reading this thread I have my agent getting more specifics from the underwriter (thanks!)

 

(Erie is a provider in 11 eastern states)


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#9 cdbrow1

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Posted 30 March 2015 - 04:45 PM

When I bought my FWC called state farm (my truck ins) and camper is not covered as part of my truck insurance (not sure about other ins companies).  You will need to set up a policy, was very easy, and not expensive...did it with SF.  You do not need to insure it...but better safe than sorry.

 

My agent told me I did not need to let them know, I actually had to specifically ask if they could insure it.  Had to send pictures and proof of purchase/receipt...FWC website was helpful to them as well...  Easy to describe a FWC when on truck and in person, but over the phone hard to explain what it is.

 

State farm told me the opposite. It is covered. I am in california and my agent confirmed it with them twice (in writing). 


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#10 longhorn1

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Posted 30 March 2015 - 05:28 PM

My loan and insurance are through USAA.  The camper is covered with my truck at no added cost and is covered on or off the truck. jd


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