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?
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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