 |
|
|
|
mellow
Salisbury, MD
Senior Member
Joined: 06/10/2014
View Profile
 Offline
|
I have a separate policy on my TC with Geico, covered for $25k, the rates have gone up so I am shopping as well.
2002 F-350 7.3 Lariat 4x4 DRW ZF6
2008 Lance 1191 - 220w of solar - Bring on the sun!
|
mkirsch
Rochester, NY
Senior Member
Joined: 04/09/2004
View Profile
|
mellow wrote:I have a separate policy on my TC with Geico, covered for $25k, the rates have gone up so I am shopping as well.
What kind of policy, though? Auto, home, other?
Since it is not a vehicle, a vehicle policy does not make sense. The reason people gravitate toward vehicle policies is because the camper is primarily used with a vehicle.
A camper is really just personal property.
Also, a "liability" policy just covers you if the camper hurts someone else. It would not cover you for losses.
Putting 10-ply tires on half ton trucks since aught-four.
|
coolmom42
Middle Tennessee
Senior Member
Joined: 02/18/2011
View Profile
Offline
|
Beaker wrote:burbman wrote:If you had $5000 worth of expensive furniture in your truck and you were in a crash and rolled the truck and ruined the furniture, the auto policy would cover damage to the truck and homeowner's would cover the loss of the furniture. Same with the camper, it's personal property like furniture, not a vehicle.
My understanding is you need separate collision for the camper, it is not "personal property".
Tow vehicle protects for liability if camper causes damage while being towed, or comes loose.
Homeowner policy used for loss of furniture and personal liability on camper.
That's how it was explained to me by insurance agent.
The OP is talking about a truck camper, not a towable. Different thing so far as collision.
Single empty-nester in Middle TN, sometimes with a friend or grandchild on board
|
thomas201
Eastern Panhandle WV
Senior Member
Joined: 08/21/2014
View Profile
Good Sam RV Club Member
Offline
|
I will put in another plug for a personal/umbrella policy. You are really buying professional negotiators to limit a claim. After all, the insurance company does not really want to pay that first $1 to $2 million dollars. They have to give up that money, before you have to start paying.
|
stevenal
Newport, OR, USA
Senior Member
Joined: 03/16/2004
View Profile
Offline
|
I believe Lance does lots of business in states where campers are titled, registered, and licensed as vehicles. They also must realize campers sold in the "cargo" states might end up elsewhere, and I suspect they provide lighted license plate hangers and certificates of origin for all campers. I believe what you are calling a serial number can equally be called a VIN.
I use State Farm for vehicles, home, and umbrella. No claims yet regarding a camper.
'18 Bigfoot 1500
Torklifts and Fastguns
'17 F350 Powerstroke Supercab SRW LB 4X4
|
|
|
mikim
Rancho Cucamonga, CA USA
Senior Member
Joined: 08/21/2003
View Profile
|
https://www.bankrate.com/insurance/car/indiana/
I would check with some of these insurance companies as a starting point.
|
srschang
Western NY
Senior Member
Joined: 08/23/2005
View Profile
Good Sam RV Club Member
Offline
|
Beaker wrote:burbman wrote:If you had $5000 worth of expensive furniture in your truck and you were in a crash and rolled the truck and ruined the furniture, the auto policy would cover damage to the truck and homeowner's would cover the loss of the furniture. Same with the camper, it's personal property like furniture, not a vehicle.
My understanding is you need separate collision for the camper, it is not "personal property".
Tow vehicle protects for liability if camper causes damage while being towed, or comes loose.
Homeowner policy used for loss of furniture and personal liability on camper.
That's how it was explained to me by insurance agent.
This is how Allstate does it. I insure my Northstar 12STC truck camper for $35,000 value. The collision costs $65 per year and comprehensive costs $107 per year. The truck policy covers liability if the camper causes damage to someone else's stuff.
2020 Ram 3500 SRW Crewcab Longbed Cummins, 2019 Northstar 12 STC
|
BurbMan
Noblesville, IN
Senior Member
Joined: 09/20/2001
View Profile
Good Sam RV Club Member
|
stevenal wrote:I believe what you are calling a serial number can equally be called a VIN.
Except that VINs were standardized to 17 characters back in the mid 70's, and insurance comnpany systems won't accept anything else....it's like a 9-digit phone number, they keep telling you it's wrong.
2015 Ram 3500 SRW 4x4 Laramie Crew Cab Long Box, Cummins diesel
2002 Lance 811 Slide-In Camper
SOLD: 2008 Terry 34' TT
SOLD: 2001 K2500LT 8.1L Suburban
Lance 811 Renovation Story!
Project Complete!
Maiden Voyage!
|
bighatnohorse
Gig Harbor - Cave Creek
Senior Member
Joined: 01/15/2005
View Profile
Good Sam RV Club Member
|
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!
brholt is right.
A GOOD agent will know these things.
I have one with State Farm and I asked the questions like "what if a tree limb falls on it while off the truck camping."
The agent has to know the value of the camper. If no VIN, they should accept the serial number. I've been there, done that. Including totaling the camper and getting cashed out on it.
There was a small charge (maybe $15.00 to write the rider on homeowners policy).
|
stevenal
Newport, OR, USA
Senior Member
Joined: 03/16/2004
View Profile
Offline
|
BurbMan wrote:
Except that VINs were standardized to 17 characters back in the mid 70's, and insurance company systems won't accept anything else....it's like a 9-digit phone number, they keep telling you it's wrong.
Your signature states you have a 2002 Lance. Seems like it should have a standard VIN even if it was originally sold in a "cargo" state. If not, I would call Lance and tell them you need a VIN.
|
|
|
|
|
|
|
|
