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Cliff and Michele

Seattle

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Posted: 06/13/22 12:57pm Link  |  Quote  |  Print  |  Notify Moderator

I am looking for insurance options for my new RAM 5500 flatbed and Northern Lite camper. USAA surprised me as they will not do it. I want to protect the camper on or off the truck. Any recommendations? "Commercial" truck is the problem. Thanks!

* This post was edited 06/13/22 01:25pm by Cliff and Michele *

RetiredRealtorRick

St. Augustine Beach, FL

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Posted: 06/13/22 01:10pm Link  |  Quote  |  Print  |  Notify Moderator

Try Progressive, but brace yourself. They won't have the rates nor the exemplary service you've enjoyed with USAA.


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Lwiddis

Southern California :(

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Posted: 06/13/22 01:55pm Link  |  Quote  |  Print  |  Notify Moderator

Have you asked your local independent insurance agent? His/her commission comes from the insurance company.


Winnebago 2101DS TT & 2022 Chevy Silverado 1500 LTZ Z71, WindyNation 300 watt solar-Lossigy 200 AH Lithium battery. Prefer boondocking, USFS, COE, BLM, NPS, TVA, state camps. Bicyclist. 14 yr. Army -11B40 then 11A - (MOS 1542 & 1560) IOBC & IOAC grad


joshuajim

Mojave Desert

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Posted: 06/13/22 02:09pm Link  |  Quote  |  Print  |  Notify Moderator

Try a company named Wawanesa. They are a Canadian company but also service WA, OR and CA. I have been with them for almost 50 years and no one has beat their rates yet. JD powers rates them #1 in customer satisfaction.

I’ve had 2 claims in that time. One was my wife’s fault and the other was the deer’s fault (both totals). In both cases they settled very quickly for more than I thought the vehicles were worth. The truck hit a deer while camping in Utah. Using bailing wire and duct tape I made it back home to CA. It was an older truck and the damage mounted up quickly.

When they gave me the payout amount, I said, “Man I just put 4 new tires on it”. The adjuster asked me how much they cost and added that amount to the claim. I’ve never seen that happen before.


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Bedlam

PNW

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Posted: 06/13/22 02:48pm Link  |  Quote  |  Print  |  Notify Moderator

USAA connected me to Progressive Commercial. They wrote up a commercial policy for exclusive personal use. My Ram 5500 is a 2015 model and I pay under $1k/year for full coverage.


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Optimistic Paranoid

East Nowhere NY

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Posted: 06/14/22 07:30am Link  |  Quote  |  Print  |  Notify Moderator

FWIW, the best info I've ever seen on understanding the various RV insurance options is here: https://www.rv-dreams.com/rv-insurance-coverages.html

Buzzcut1

Norcal

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Posted: 06/14/22 06:48pm Link  |  Quote  |  Print  |  Notify Moderator

For the camper get it it's own separate rider policy, covers it on or off the truck.


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greenno

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Posted: 06/14/22 11:53pm Link  |  Quote  |  Print  |  Notify Moderator

Had a separate policy for just the camper when it's not mounted on the truck. A little under 3 bills for 35k coverage if I remember correct and it was through Progressive. Use to store the camper at a separate area from my home. Sold my boat so camper sits where that used to be, set back from the street alongside our long driveway.
Camper is covered 100% when it's on my F350 so Im covered there as well.

bighatnohorse

Gig Harbor - Cave Creek

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Posted: 06/15/22 08:20am Link  |  Quote  |  Print  |  Notify Moderator

Bedlam wrote:

USAA connected me to Progressive Commercial. They wrote up a commercial policy for exclusive personal use. My Ram 5500 is a 2015 model and I pay under $1k/year for full coverage.

Do you have an agent that you work with?
(I'm wondering how to get with an agent that I can communicate with and who understands what I'm asking.)

Optimistic Paranoid

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Posted: 06/15/22 09:54am Link  |  Quote  |  Print  |  Notify Moderator

greenno wrote:

Had a separate policy for just the camper when it's not mounted on the truck. A little under 3 bills for 35k coverage if I remember correct and it was through Progressive. Use to store the camper at a separate area from my home. Sold my boat so camper sits where that used to be, set back from the street alongside our long driveway.
Camper is covered 100% when it's on my F350 so I'm covered there as well.


My understanding is that a truck camper is covered by your homeowner's policy when it is off the truck and sitting at your house, and covered by your vehicle's policy when it is on the truck. But if you take it off the truck anywhere else like a campground (if, for instance, you need to get some work done on your truck and they need to keep it overnight.) it's not covered by either policy.

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