18 replies to this topic

[Overland Hadley]

Okay, sounds like everybody thus far has a separate/additional coverage for the camper. Is this through your auto insurance company?

And I tried calling my insurance, but nobody was available. WTH, it is Sunday evening!

[rotti]

Okay, sounds like everybody thus far has a separate/additional coverage for the camper. Is this through your auto insurance company?

On mine, I pick a value of the camper and it is added to the truck policy. Not a separate policy.
(Auto Owners Insurance)

[Cort]

Mine is part of my auto insurance policy but is considered a separate unit....ie not a "rider" on my truck insurance. Another interesting thing is that I have overlap with my home owners insurance. If the camper is off the truck and on the property home owners insurance will cover loss. If it is unloaded and in the street no coverage through home owners insurance. that is why i decided to insure it both ways. No matter where it is or if its on or off the truck its covered.

Cort

[K7MDL]

Mine is part of my auto insurance policy but is considered a separate unit....ie not a "rider" on my truck insurance. Another interesting thing is that I have overlap with my home owners insurance. If the camper is off the truck and on the property home owners insurance will cover loss. If it is unloaded and in the street no coverage through home owners insurance. that is why i decided to insure it both ways. No matter where it is or if its on or off the truck its covered.

Cort

Same here. My insurance (2006 Grandby) involved just calling in, give S/N and model, and is $82/yr with $500 deductible for collision ($20), comp($61), no liability required.

So:
Insurance - $82/yr
Plate registration - $10/yr
Camping trips in it - priceless :-)

Never know when you are going to back up in the woods turning around in the dark and forgetting to look up with a flashlight - at least until you hear the sound of a very stiff tree branch trying to take out your camper roof top fixtures or side walls. Or so I hear...

or hail damage, or a car rear ending you, or...

[Overland Hadley]

(2006 Grandby) ....and is $82/yr with $500 deductible for collision ($20), comp($61), no liability required.

Thanks for the numbers.

[LuckyDan]

I'm like Cort. It's part of my Home/Auto Bundle.

[LT Traveler]

I'm like Cort. It's part of my Home/Auto Bundle.

Same here. Camper's covered on or off the truck. $114 a year with Progressive, covered for $16K.

[Lighthawk]

I finally got into researching this.

My State Farm agent in CA just quoted $25.60/yr. to add the 2008 Hawk to my truck policy.
I need to provide serial #, make & model, which they will do over the phone. I've been with them 20+ years, so maybe they trust me?

Deductible is $500 for collision and $500 for comp. I gave them a value of ~$9,000, but they said they would value it at replacement cost if/when there is a claim. This is similar to auto policy I think. They don't tell you what they would total the car for, unless it happens. In any case, it's a deal that I'm willing to buy.

On a similar vein, I looked into coverage for photo equipment. They quoted $7000 coverage/no deduct for $127/yr. or $3000/no deduct for $54.60. Equip must be lost to a 'named event', i.e. fire, theft, vandalism. It doesn't count when you do front flips down a desert ravine and smash your LCD My home owners would also cover loss, but my deductible is $2000

[ski3pin]

<snip It doesn't count when you do front flips down a desert ravine and smash your LCD <snip>

What? Don't these folks live in the same world we do?