Geico, Farmers, Liberty Mutual, Safeco, Hartford and Nationwide also put up some respectable numbers. What insurance company is your truck insured through?įrom our poll, the big insurance providers among our readership are State Farm Group, USAA Group, Allstate Insurance, and Progressive. Maybe your insurance company could offer a very low rate just to cover liability. That said, we would still be concerned about liability. If we had an older camper with little to no market value, it might make sense to not have it insured for collision. Remember, insurance companies do not want to pay claims they don’t have to. If you insure your camper under your homeowner’s policy, it’s a good idea to get the terms of the camper’s coverage in writing. The remaining roughly 10-percent either do not insure their truck camper, or insure it under their homeowner’s policy. You might also lose a long-term customer discount or a bundled discount. If you have dealt with the same insurance company for years and have a positive relationship, it’s tough to give that up just to have your truck and camper under the same insurance company. This is likely due to the fact that not all automotive insurance companies recognize or insure truck campers. Nearly 19-percent insure their truck and camper separately by two different companies.

All of that was an incredible help after the accident. For example, our camper insurance had coverage for our accommodations, camper contents, and the actual cash value of the camper. That sounds great, but we would get it in writing.Įven if you get it in writing, the important caveat with this approach is what might not be covered. As one person wrote in their response, “AAA says it’s on the truck, so it’s covered”. Having one company insuring both the truck and camper prevents this potential challenge.ģ0-percent of readers answered that their truck campers are insured under their truck insurance policy. If you have two insurance companies involved with a claim, each may attempt to pass the buck to the other. Insurance companies look for opportunities to not pay claims. It’s also the way we recommend truck campers be insured. This is how we insure our truck and camper. Over 40-percent insure their truck and camper separately by the same insurance company. Are your truck and camper insured together or separately? To coincide with our “ 9 Lessons From A Truck Camper Accident” article, we polled Truck Camper Magazine readers about how they insured their camper and their preferred insurance companies.

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