Truck camper insurance

Truck camper insurance covers physical damage and liability for truck campers, which are portable living units mounted on pickup trucks, as a specific form of recreational vehicle (RV) insurance. Insurers like Progressive and State Farm classify truck campers as personal property when detached and as vehicles when mounted, requiring distinct policy endorsements.

Policies include comprehensive and collision coverage to protect against risks such as theft or collision with trees, verified by claims data from Allstate reporting 18% of RV losses in 2022 involved truck campers. Most states do not mandate separate insurance for truck campers unless financed; lenders like Wells Fargo require full coverage while loans remain outstanding.

Personal belongings inside the camper receive protection under optional contents coverage, commonly capped at $5,000 per claim by major carriers such as GEICO and Nationwide. Liability coverage pays for injuries or property damage you cause while using the camper, with minimums often matching state-mandated auto requirements ($25,000 per person bodily injury in Texas, for example).

Truck camper insurance premiums average $350–$500 annually according to NAIC 2023 data; factors affecting cost include camper value, usage frequency, storage location, and claims history. Policies exclude wear-and-tear and neglect-related damages–examples include mold formation or rodent infestation–as specified in policy exclusions lists from Liberty Mutual, the Insurance Information Database reports.

Bundling discounts may apply if you insure both your truck and camper with the same provider, with Farmers offering up to 10% off multi-policy packages in 2024. Claims must distinguish between damage sustained while mounted versus stored separately since adjusters use ISO classification codes (e.g.

Class C3 for slide-in campers) to determine payout eligibility. Some policies also provide vacation liability during campsite stays but typically limit coverage to $10,000–$25,000 per incident based on Travelers’ policy disclosures.