I wanted to take a few minutes and add to this topic in hopes to help another WTW member or two out as they read through the threads. A couple of people said it best earlier then they said to get it in writing.
Here is the official USAA word so if you have others, YMMV.
When you look at my policy below, you'll see the declarations page has my tundra listed, and also highlighted at near the bottom you will see the camper added to this page of the policy. (that will become more important as you review the text/legal-jargon of the policy)
Next as you review the coverages on your policy, amid all the legal-jargon, you'll see what the insurance company will (and will not) pay for in the event of a collision. Here in section D, it outlines what USAA will not pay for:
And in my policy it lists "camper bodies" under one item that they won't pay, with one caveat being if it's listed on the declarations page:
So what I'm trying to highlight here is to make sure you have all the requisites completed with your company prior to hitting the road. With USAA they have a "Four Wheel Camper" listed as the make, and "Hawk" listed as the model, with a $20,000 cash replacement value identified and a 'loss-payee' listed for who will be claimant in the event of a loss.
USAA defines any canopy and camper (camper body) as something that is affixed to the bed of the truck (excluding 5th wheel RV campers) and is 100% covered at full-replacement cash value and zero additional cost to the policyholder. I'm seeing that my premiums are a little higher likely due to this and the truck being two years newer, although the purchase prices of the two cars were both under $30K each for values - so they are fairly similar valued vehicles. Not sure how they calculate these rates. (maybe Al Gore taught them some "fuzzy math" for calculating our rates).
For me, I'm a happy camper and have really appreciated the service I've received from USAA throughout my military career. Even with a couple of claims, they have always treated me right, and my rates are fair - even with an 18 year old boy still in the house. Hopefully our rates will go down a little when he ships off to college in the fall...
I hope this helps someone out further.
Edit: fix a spelling error and to comment on section D,3 above that USAA won't cover my truck or camper in the event of a zombie apocalypse, so I hope they (along with any insurrection or revolution) are kept to a minimum!