insurance for fulltimer/professional..not recreatn, insurance limbo
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| wildland-bio |
 Aug 5 2016, 04:32 PM
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#1
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Group: Members Posts: 3 Joined: 5-August 16 Member No.: 9,101 Favorite Truck Camper(s): don't know Type and Brand of Truck(s) Owned: 2000 F250 diesel Type of Tiedowns used: Happijac Truck and Camper Setup: 2000 F250 diesel with 1995 Jayco pop-up truck camper  |
I'm having trouble finding an insurance company for my truck camper. I'm a field biologist and I am using my rig (2000 Ford F250 diesel/1995 Jayco popup camper) as my field vehicle.. and my full time home. (My 'real' house on property is rented out.)
USAA said they could not insure the camper, because it is my full-time home, not just a recreational camper, and therefore it's not covered as part of the auto insurance. They referred me to Progressive, which wouldn't insure the camper, because it was used partially for business use (i.e. not recreational). I called USAA back, and they then referred me to Foremost, which also declined coverage for the same reason as USAA...full-timer. Foremost insures full-timers with trailers and motor-homes, but not truck campers (...really?...tell me what's the *^%$# difference?!) Sure, I'd like to have some kind of comprehensive insurance for the camper in case of damage, but I could do without, given it's so old (however, I've sunk a lot of repair costs into it over time). My main concern is liability for the host of things that could happen causing injury to someone else. Help anyone! Biologist in insurance limbo-land |
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| Spanky |
Aug 5 2016, 09:13 PM
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#2
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 Moderator Group: Moderator Posts: 320 Joined: 24-June 06 From: Silver City, New Mexico Member No.: 144 Favorite Truck Camper(s): Lance 1030 Type and Brand of Truck(s) Owned: 1999 F350 Power Stroke Dually SuperCab Type of Tiedowns used: Torklift Truck and Camper Setup: 1999 Ford F350 4x4 Super Cab 1 ton Dually Lance 1030 Torklift tiedowns |
I am a fulltimer in my fifth wheel, I also have a truck camper and all my vehicles are insured with Nationwide. Not sure how they would look at your arrangment but you could call. I personally would not tell them about the full timer thing but thats just me.
-------------------- 1999 F350 Power Stroke Dually Super Cab, 2003 Lance 1030
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| wildland-bio |
Aug 6 2016, 03:41 PM
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#3
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Group: Members Posts: 3 Joined: 5-August 16 Member No.: 9,101 Favorite Truck Camper(s): don't know Type and Brand of Truck(s) Owned: 2000 F250 diesel Type of Tiedowns used: Happijac Truck and Camper Setup: 2000 F250 diesel with 1995 Jayco pop-up truck camper |
QUOTE(wildland-bio @ Aug 6 2016, 02:29 PM)  Thanks so much, Spanky. I did call Nationwide and they do insure truck camper full-timers!...and no problem with my using it to travel/camp for work purposes. I first called USAA back to verify that the camper is covered for liability when attached to the truck. Nationwide covers liability if the camper is parked (for example if someone is injured getting in or out of the camper, etc.) So, I now have a policy that covers the above liability, the camper, personal effects, etc. Yay! Thanks again Spanky and Truck Camper Forum! |
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| Spanky |
Aug 6 2016, 06:44 PM
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#4
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Moderator Group: Moderator Posts: 320 Joined: 24-June 06 From: Silver City, New Mexico Member No.: 144 Favorite Truck Camper(s): Lance 1030 Type and Brand of Truck(s) Owned: 1999 F350 Power Stroke Dually SuperCab Type of Tiedowns used: Torklift Truck and Camper Setup: 1999 Ford F350 4x4 Super Cab 1 ton Dually Lance 1030 Torklift tiedowns |
Glad that worked for you.
-------------------- 1999 F350 Power Stroke Dually Super Cab, 2003 Lance 1030
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| Nobody |
Aug 7 2016, 12:38 PM
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#5
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 Group: Members Posts: 124 Joined: 5-November 12 Member No.: 6,339 Favorite Truck Camper(s): Palomino Type and Brand of Truck(s) Owned: '99 Ford F-250 SuperCab long bed, 7.3L Power Stroke Type of Tiedowns used: Blackstone Mfg Co Camper Clampers, looking for TorkLift Truck and Camper Setup: 2003 SunLite 8.5 WTSB, modified roof lift to support roof air |
Good job Spanky, quick research, thanks from a total 'puter' novice
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