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Old 09-13-2015, 07:49 PM   #15
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Location: Hooper, UT
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I finally got the policy from State Farm. They are calling it a 5th wheel and insuring it as such. The VIN is from the actual trailer and not from the TC. The cost is $176 per year.

Bob Hicks, from Utah
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Old 09-14-2015, 07:14 AM   #16
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The answer is complex and insurance laws vary from state to state.. In some cases a police covering a pick up truck might not be valid once the camper is slid in (I won't go into why cause I'm not a lawyer).

Also assuming (And I stress that word Assuming) the camper is covered at all it would be covered same as the truck,, Damage and liability.. You would not have coverage for ":Household goods" inside the thing.

So you may well need a rider.... Or not... Depending on where you live.

Home is where I park it!
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Old 10-03-2015, 10:07 AM   #17
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Location: Oshawa Ontario Canada
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insurance of t/c

Finally got a reply from my State Farm agent, and it took quite a while to get it in writing. In Ontario Canada, all state farm policies were bought out by Degarden out of Quebec and the paperwork states that the truck policy covers the T/C all of the time as it is an amendment in the existing policy. I asked about leaving it in a camping scenario where we would be away for a day or so and the writing allows for up to a week absence with a return date. I asked about a rider policy and was informed that it was not required as my existing policy stood. This is an area that should be investigated while arranging your truck insurance!!!! Eric

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