If you’re heading out to the great outdoors with your newly purchased truck camper, you might be wondering whether you need insurance coverage. Truck camper insurance is a great way to protect your getaway investment.
Find out what kind of motorhome insurance is available for your mounted truck camper before you hit the road.
To compare truck camper insurance quotes and find affordable coverage, contact one of the independent agents in our network. A local independent agent can help you determine if you can add your truck camper to your pickup truck insurance policy, or whether you would benefit from a separate policy.
You may even be able to find better coverage at better rates than with your current provider. Find a local agent today to get the right coverage for your truck camper RV.
Truck Camper Theft Safety Facts
- Use a hitch lock to prevent theft of your camper
- Attach wheel clamps to discourage tampering
- Lock all doors, windows and storage compartments when leaving your camper temporarily
Truck Campers Overview
A truck camper is a temporary camping unit which is mounted onto the bed of a pick-up truck, converting your truck into a recreational vehicle.
Campers generally range from 18 to 21 feet in length and are compact enough that they can be used in most camping and outdoor situations. Truck campers can sleep up to 6 people.
Does My Truck Insurance Cover My Camper?
Some insurers will allow you to add coverage to your existing truck policy and some will not. You may also need additional coverage if you store your camper at a storage facility or a campground.
However, it is a good idea to review the benefits of a separate policy to ensure that you have full coverage. An independent agent can help you determine which insurance company will provide the most protection for the best price.
What Does Truck Camper Insurance Cover?
Truck camper insurance should include liability coverage, and you may also choose to include comprehensive coverage for theft, fire, vandalism and other named perils.
Theft or damage to your personal possessions may or may not have limited coverage under your vehicle insurance or your homeowner’s insurance policy.
If you have a newer model truck camper, you may want to have collision insurance as well. Additionally, you will have to decide whether you want cash value or replacement cost coverage.
Insurers may provide replacement cost for up to 5 years. Older model campers may be exempted from collision coverage by some insurers.
You should also know about “GAP insurance” for new truck campers. This insurance covers the gap between what you owe on your camper and what its worth. All vehicles and RVs depreciate quickly after they leave the dealership.
If you have an accident while the vehicle is still new, you may owe quite a bit more than what your insurance will cover, so GAP insurance will make sure you don’t have to pay for a vehicle you can’t use.
You may also want to consider campsite/vacation liability, stationary travel trailer insurance, and full timers coverage if you use your truck camper extensively.
Factors Affecting Your Truck Camper Insurance
- The age and model or make of the camper
- Whether you buy full or only partial coverage
- The deductible you choose when you buy your policy
How Much Does Truck Camper Insurance Cost?
You can choose several different levels of coverage, from a minimum amount to a more complete package.
Depending on the insurance company you choose, complete coverage options may include collision, comprehensive, replacement cost, roadside assistance, accessories coverage, emergency expenses, low branch protection and personal possessions coverage.
The cost of camper insurance can vary according to the age of the camper and the coverage you have, but for many new campers the price may range from as low as $75 up to $250 or more per year.
What Should My Truck Camper Insurance Cover?
Your truck camper insurance should cover damage to your camper in a collision at a bare minimum to protect your investment in your camper. Additional risks to consider include the possibility of damage due to storms, wildlife, fire, vandalism and theft.
Some insurers may extend some form of coverage for your personal belongings under your homeowners or possibly your truck insurance, so make sure you fully understand your policy. You may need to purchase separate personal possessions coverage to protect your belongings from theft or damage.
You may also want to add stationary travel trailer insurance as a separate rider if it is not included in the package. This type of coverage will cover loss or damage when your camper is parked and not in use.
If you make special additions to your truck camper, such as adding extra lights, special storage or other after-market amenities, another important coverage to look for is protection for these upgrades.
Add-ons can significantly increase the value of your camper, so be sure to keep receipts for the items you have purchased in the event that you need to file a claim.
How to Compare Truck Camper Insurance Quotes
Finding affordable truck camper insurance can be easy. Just contact an independent agent in our network. A local independent agent right in your area can help to ensure that you have all the insurance coverage you need for your next outdoor weekend or holiday adventure.
Find an independent agent today to get started.