100acrehuphalump
Senior Member
Do you guys insure your FWC campers, if so what kind of insurance and how much and what kind of coverage, and do I need to let my regular insurance company know I'll be carrying a camper? I have no clue. Thanks
x2 on USAA coversage and it's provided at no additional cost.KILR0Y said:USAA is what I have, and they cover a canopy, camper, our anything the truck hauls in the bed. I was skeptical so asked them to show me in the policy where it says that, and they did! It's right there, so the bank who helped me finance part of the cost of the camper made a copy of the policy. That's all they required...
My advice - always tell them your hauling it, and get coverage for replacement in writing!
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State farm told me the opposite. It is covered. I am in california and my agent confirmed it with them twice (in writing).Michaelcanv said:When I bought my FWC called state farm (my truck ins) and camper is not covered as part of my truck insurance (not sure about other ins companies). You will need to set up a policy, was very easy, and not expensive...did it with SF. You do not need to insure it...but better safe than sorry.
My agent told me I did not need to let them know, I actually had to specifically ask if they could insure it. Had to send pictures and proof of purchase/receipt...FWC website was helpful to them as well... Easy to describe a FWC when on truck and in person, but over the phone hard to explain what it is.
Thanks for that Stan, I'm definitely gonna get my camper insured!Stan@FourWheel said:Not all loan officers or insurance agents always understand what a truck camper, or a pop-up truck camper are. Some of them get easily confused and either think it is some sort of pull behind tent trailer or a simple fiberglass camper shell. I have talked to a few customers over the years that thought (or assumed) that their camper was automatically covered under the insurance policy but found out the hard way when it wasn't covered at the time of an accident. If you had a used beat up camper worth a couple thousand dollars, maybe not such a big deal. But if you have a newer truck camper valued around $20,000, I don't know why the insurance company would cover the camper on your policy for free? I have always added my truck campers to my AAA Auto policy. This couple went to Baja around 2008 with a really nice truck & relatively new FWC at the time. They got Mexican Insurance on the truck, but not the camper. That was probably a $15,000 lesson for them to learn the hard way not having coverage on the camper. Just food for thought.