thebrushman
bradenton florida
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Joined: 06/11/2005
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Can you get insurance on a truck camper? My agent says it is just part of the truck and they offer no additional insurance. This seems kind of odd.
Any input would be appreciated.
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trails2004
Wyoming
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Joined: 07/19/2007
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Yep it is called a rider
2002 Dodge Ram 2500 SLT 4x4-AFE Cold Air,4"Exhaust,Toyos,Ranchos,Dual Air III- Firestones 2004 Hallmark Cuchara XL 9.5 w/Carbon Fiber Roof, WFCO 9845,Xantrex XBM,Honda 2000,1997 Grumman GV19TC- Crew Wifey,(Odin,Bridger & Sam,Wirehairs)
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EricCO
Gilcrest, Colorado
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Joined: 04/16/2007
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Is it covered then if it's off the truck?
2002 Ford F-350 CC LB PSD
2007 Travel Lite 960rx Ultra
1998 Starcraft Superfisherman 170
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dbear
Hilton, NY
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Joined: 10/08/2004
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Better ask your agent again and get it in writing what exactly is covered.
I discovered, after my AC was nailed by a failing branch (unit was in "storage" at the end of the house for the winter), yes it's covered while attached to the truck, but that coverage is limited only liability and nothing else. So if it came off and killed somebody, I'd be covered.
Tried to turn it in on my homeowners and they gave my the not covered because it's a vehicle. Yet, in the eyes of NYS DMV, since their is no title, registration, or plates, it's not.
What I don't get is that if it was my lawnmower, homeowners would have cover it. I tried to convince my agent that it was just a funny looking lawnmower with an AC. He didn't buy it...
Finally I had to add it to my auto policy eventhough they admit it is not a car, truck, or trailer.
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352
Oxfofd, Fl
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Joined: 04/20/2004
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mine costs $34 per year and it is attached to my truck insurance.it covers the camper on and off the truck and it is called a rider as the last person said.
1937(BAD BOY)pontiac,all steel,chevy 350,dyno=405hp,650 holley double pumper,ps,pb tilt wheel,heat & air,
700 r4 tranny,headers,3" exhaust with flowmasters.
just a good ole southern redneck country boy.our favorite place to go to swim with the manatees
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Big Bruce
Ocala, Fl. US.
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Joined: 01/03/2004
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My last TC here in FL was insured at a cost of 430.00 a year.
Big Bruce
2006 Dodge, Dually, CTD, Quad Cab, 4 X 4, Automatic/ 2006 31' Cougar FW
Hauling (2) 2005 Harley Road Glides.
Or Gone Fishing - 17' Carolina Skiff with Yamaha 75Hp 4 Stoke.
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jmtandem
carson city nv
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Joined: 01/18/2006
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$28 a year with AAA.
'05 Dodge Cummins 4x4 dually 3500 white quadcab auto long bed airbags overload springs bumpers
'00 Elkhorn 10V w/basement
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Stim
NE Florida
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Joined: 05/23/2007
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I just added my new TC to my policy. I have Travelers of Fl. Ins. on my PU. The agent said it will cost another $11. for 6 months. I got the policy change today but haven't had chance to review it yet.
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Nemo667
Louisiana
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Joined: 10/28/2004
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Stim wrote:I just added my new TC to my policy. I have Travelers of Fl. Ins. on my PU. The agent said it will cost another $11. for 6 months. I got the policy change today but haven't had chance to review it yet. It might be interesting to share what language is in the policy that covers the camper specifically and under what circumstances. How detailed is the language? You know the old saying; If it isnt in writing...
2007 F-350 SRW 6.0L Auto CC SB 4X4
2006 Outfitter Apex 8, 220W Solar and 3 AGM's
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Karic
Victoria BC, Canada
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Joined: 08/08/2003
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I'm not sure about Florida insurance regs, but up here we have a "rider" on our home insurance for our TC. It's a replacement cost "rider" and covers all perils such as flood, fire, earthquake, etc. when the unit is in storage. When it's on the truck, it's covered by our vehicle insurance......might be worth looking into down there.
'03 F350 SD XLT Supercab Dually, V10, Auto, 3.73
'02 Adventurer 90RDS
'06 Sea Ray 215 Weekender
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