Protect your investment!
Your truck camper’s (TC) insurance, at a bare minimum,
should cover you for a gaggle of risks.
What a gaggle of risks, you ask?
Consider (not limited to):
Collision (including uninsured motorists)
Water and structural damage from weather-related storms
Vandalism and theft
Mold and rodent damage
Theft or Damage
Theft or damage to your possessions may have limited coverage under your TC’s or your homeowner’s insurance policy.
Some insurers will allow you to add additional coverage (called a rider) to your existing TC policy. Some will not. You may also need additional coverage if you store your TC at a storage facility or a campground when not in use.
Adding a Rider
Consider adding, if needed, a separate rider to your truck insurance policy to ensure that you have full coverage. This type of coverage will cover loss or damage when your camper is parked and not in use.
Additionally, you will have to decide whether you want cash value or replacement cost coverage. Insurers may provide replacement costs for up to 5 years from the date of manufacture. In addition, older model campers may be exempted from collision coverage by some insurers.
When and where
When and where is your TC covered? Ask your insurance agent to show you where in the policy and rider what is covered, when, and where. Some insurance companies will cover the TC ONLY when the TC is on the truck. Should something happen while at home and the TC is off and sitting in your driveway, coverage may be under your homeowner’s policy. Ask.
Truck Camper Theft Safety Tips
Lower your jacks and store your valuables inside
your camper and out of sight.
Lock all doors, windows, and storage compartments
when leaving your camper temporarily.
Photograph and make at least three copies of your TC’s nameplate
or sticker that shows your camper’s:
Place one copy of the photograph in your glove box – the second copy at your home for safekeeping – while keeping the third photo on your Smartphone. The third photo will aid in expediting the filling out of a police report if needed.
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