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Old 11-01-2012, 06:21 PM   #15
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Mid Atlantic Campers
Forest River Owners Club
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Originally Posted by mwells4654 View Post
According to my insurance company (GEICO) the liability portion of my trucks insurance also covers anything I tow.
Most insurance companies work like that, but you need to check on coverage for (1) when it's not hooked up, and (2) set up on a campsite.

State Farm told me a camper was only covered when in transit. If it was disconnected (sitting in my driveway, or storage lot), or set up as "living quarters" (like on a campsite...even if still hooked up to my truck) than it was not covered by my truck policy. It needed to have its own policy.

It's all a racket. You just need to make sure you are covered for your specific needs.

'87 Coachmen Leprachuan 27' on Ford E 350 w/ 460 cid, Hedman Headers, dual flowmaster exhaust
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Old 11-02-2012, 06:52 AM   #16
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There needs to be some clarification here. Anything you hook to your tow rig is covered for liability, while being towed. If there is any coverage for damage to the trailer it is likely very limited, a max of $500 would be common, but it could be more depending on the issuing company. A pickup topper may well be covered while it's on the pickup, but a full on camper will likely require it's own policy.

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Can't take it with you - don't plan on leaving any behind
2016 Newmar London Aire 4553, Spartan chassis
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Old 11-02-2012, 08:21 AM   #17
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$680 full coverage agreed value replacement $8000 progressive just got a new windshield
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Old 11-30-2012, 10:24 AM   #18
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Liability Insurance

I just talked to Good Sam and they informed me that my F/W is NOT covered for liability when it is not hitched to the TV. They told me that was covered by my homeowners policy. I contacted my homeowners insurance company and they told me that It was covered by my auto policy.

I just received a call from my homeowners insurance agent and was told that a liability policy would cost me $775.00 per year.

What do non fulltimers do about insurance??

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Old 12-09-2012, 02:09 PM   #19
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Well that gives me a fairly good idea. Thanks

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