Truck Camper Parts

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> camper insurance, what is required?

tucson jack
post Nov 22 2023, 11:11 PM
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Group: Members
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Joined: 22-November 23
Member No.: 10,308
Favorite Truck Camper(s): northern lite
Type and Brand of Truck(s) Owned: Dodge Ram 2500
Type of Tiedowns used: happijac
Truck and Camper Setup: upgraded to 1 ton specs, 2018 Northern Lite Sportsman

If you are in a state that does not require tags for the camper in addition to the truck (eg AZ) do you insure the camper separately or is it considered "cargo" not requiring insurance?
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post Nov 27 2023, 10:15 PM
Post #2

Group: Members
Posts: 5
Joined: 5-November 23
Member No.: 10,300
Favorite Truck Camper(s): Host
Type and Brand of Truck(s) Owned: F350 dually crew cab
Type of Tiedowns used: TorkLift Fast Guns
Truck and Camper Setup: F350, dually, 4wd with air bags, Host Cascade camper

I live in New Mexico. The State considers the camper as cargo and does not license or title the camper. The insurance company covers it under the homeowner's insurance policy when it is off the truck and stored, and under the truck insurance policy when it is loaded in the truck.

I have discussed this with my insurance agent, and the other option is a personal possession rider policy under the homeowner's policy. However, according to the agent, as soon as the camper is loaded into the truck, the camper would then be covered by the truck insurance and not the additional rider policy.

You should consult with your insurance company as insurance companies provide policies allowed under each state's insurance laws - and that varies with each state. What is best for me in New Mexico should not be interpreted as being best for you in the state you live in.
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