Insurance, How is truck camper categorized
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| Courtney |
 Apr 26 2010, 11:33 AM
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#1
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Group: Members Posts: 1 Joined: 26-April 10 Member No.: 4,129 Favorite Truck Camper(s): Lance Type and Brand of Truck(s) Owned: Chevrolet 3500 dooley Type of Tiedowns used: happijac Truck and Camper Setup: 3500: air bags, happijac front and rear turnbuckles, class V hitch, Lance 1181 fully loaded  |
Buying our first Lance 1181 camper. We live in Georgia. Our insurance company is unsure of how this type of camper is categorized. They have made several phone calls to underwriters. Camper vs trailer vs travel trailer. It has no wheels but is also not permanently attached to the truck. Any input is appreciated.
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| mh45472 |
Apr 26 2010, 12:22 PM
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#2
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Group: Members Posts: 79 Joined: 21-August 08 Member No.: 2,941 Favorite Truck Camper(s): Elkhorn 8R Type and Brand of Truck(s) Owned: GMC Sierra 2500 HD SRW 4 x 4 Ext. Cab Short box Type of Tiedowns used: Happijac Truck and Camper Setup: GMC 2500 HD, Air bags, Happijacs, custom hitch box extension, Fleetwood Elkhorn 8R, pretty much loaded |
I have my TC insured trough Progressive here in Wisconsin and I was told it is part of my vehicle when on the truck. My policy covers it when it is off the truck like storage in the driveway or when we unload it at a campground.
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| rangercamper |
Apr 26 2010, 09:43 PM
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#3
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Group: Members Posts: 8 Joined: 10-April 10 From: Alberta Member No.: 4,069 Favorite Truck Camper(s): Six Pac Type and Brand of Truck(s) Owned: Ford Ranger Long Box Type of Tiedowns used: Happijac Rear, Custom Frame mount front, custom turnbuckles Truck and Camper Setup: Ford Ranger 4x4 w/ 2" lift, 31" mud terrians, lots of extras under the hood, timbren-m-41.html">Timbrens, Helwig sway bar, and add a leaf in the rear. 1987 Vanguard Frontier camper, light weight, keeps the beer cold. |
Mine is added under my house insurance as an add-on through Moleche Monnex.
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Who says you can't put a camper on a small truck? |
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| bikevision |
Apr 27 2010, 11:33 AM
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#4
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 Group: Members Posts: 14 Joined: 30-October 09 Member No.: 3,497 Favorite Truck Camper(s): '76 Honey Type and Brand of Truck(s) Owned: 93 dodge 1ton dually 511,000 miles 99 f350 quad cab dually 435,000 miles Type of Tiedowns used: custom turnbuckles Truck and Camper Setup: right now i got a 8ft 1974 Sportsman by K-Z inc. im rebuilding on my 93 dodge dually, behind that i haul a converted 14ft. hard sided popup to haul my motorcycle and tools. its a moble shed |
as long as my camper is on my truck its covered under my truck insurance, full coverage. if its sitting in my yard its covered under my home owners (same as a shed) if im at a campground and i unload its covered under my rv policy that i have for my bus. It was pretty confusing when i got my first one figuring out which policy would cover it and when. i had to make alot of phone calls to figure it all out.
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| Neverhome |
May 5 2010, 09:07 PM
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#5
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Group: Members Posts: 24 Joined: 8-April 10 Member No.: 4,049 Favorite Truck Camper(s): Lance Type and Brand of Truck(s) Owned: Ford F350, V10 4 X 4, 8'bed, Super Cab Type of Tiedowns used: Torklift Truck and Camper Setup: 2010 Ford F 350, V10 , 4 X 4 , Super Cab. Lance 1999, 2011 with air and genny. Happijac Tiedowns. |
We are insured through The Harford Insurance company through AARP. $8800.00 worth of insurance cost us $40.00. Doesn't get much cheaper than that.
Neverhome  |
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