Truck Camper Insurance

If you’re heading to the great outdoors with your newly purchased truck camper, you might be wondering if you need insurance coverage and what type of policy to get. Truck camper insurance is a great way to protect your investment against losses due to collisions, theft, and more. For rural or off-road usage, a truck camper policy can help you get reimbursed after various incidents, so you can get back on track.

To compare truck camper insurance quotes and find affordable coverage, a local independent insurance agent can help. They'll get you matched to the right policy for your unique camper. But first, here's a closer look at truck camper coverage and why it's necessary.

What Is a Truck Camper?

A truck camper is a temporary camping unit mounted onto the bed of a pick-up truck, converting the truck into a recreational vehicle. Campers generally range from 18 to 21 feet in length and are compact enough to be used in most camping and outdoor situations. Truck campers can sleep up to six people and are a simple, affordable option for new RVers.

Does My Truck Insurance Cover My Camper?

Some insurers allow you to add truck camper coverage to an existing truck insurance or commercial truck insurance policy. However, you may need additional coverage if you store your camper at a storage facility or a campground. 

It's often a good idea to review the benefits of a separate policy to ensure you have full coverage for your truck camper. An independent agent can help you determine if you can add your truck camper to your pickup truck insurance policy or if you would most benefit from a separate policy. 

What Is Truck Camper Insurance and Do I Need It?

Truck camper insurance is a special type of RV insurance designed to protect your camper against various incidents. Though this coverage isn't required by law, it can be helpful to have a policy so you can get reimbursed for various incidents, including accidents and lawsuits. 

For example, having truck camper liability insurance can help ensure you can pay for third-party claims of bodily injury or personal property damage caused in or by your truck camper. 

What Does Truck Camper Insurance Cover?

RV insurance for truck campers comes with several critical components to help protect you and your camper. Consider the following options carefully.

RV liability insurance

This coverage can reimburse you for expenses related to third-party claims of bodily injury or personal property damage that occur while on or near your truck camper, or if a person or their property is struck by your camper. This coverage can reimburse you for medical expenses, lawsuit costs, and more.

RV collision and comprehensive coverage

RV collision coverage pays for damage to your camper from a collision with another object, regardless of fault, while comprehensive coverage pays for damage to your camper due to non-collision events, such as flood or theft. Having both of these types of coverage can provide a much broader picture of protection for your camper.

Truck camper total loss replacement coverage

This coverage can pay to fully replace your camper with a brand-new one if yours is declared a covered loss. If you choose not to replace your camper, you may be able to receive compensation for its purchase price instead.

Contents coverage (personal effects coverage)

This coverage, also known as personal possessions coverage, can pay to repair or replace your belongings, such as clothing and electronics, stored in your camper. Coverage can reimburse you for theft, damage, or destruction of your contents that occurs while traveling on the road or parked at a campsite.

Roadside assistance coverage

This coverage can pay for professional towing, jump start, fuel delivery, and other roadside services if your towing vehicle becomes disabled while you're on the road.

How Much Is Truck Camper Insurance?

The average cost of truck camper insurance is $200 per year, though rates can range from $150-$500. Truck camper insurance costs can vary depending on the insurance company you go through and other factors, including the following:

• The value of your truck camper
• The size, age, and condition of your camper
• The value of the contents inside the camper
• Your location and how far you travel with your camper
• Your driving record and claims history

An independent insurance agent can help you find affordable truck camper insurance near you.

Best Truck Camper Insurance Companies

We found the best RV insurance carriers that can provide you with the right kind of insurance for a truck camper at a great rate. Check out our recommendations for the best truck camper insurance companies to find an affordable policy.


 
    
        
                   
    


RV Insurance Companies	Best For	Company Rating
Progressive	Affordability	5 Stars
Nationwide	Discounts	5 Stars
Roamly	Full-time RVers	4 Stars
Good Sam	Part-time RVers	4 Stars
Allstate	Motorhomes	3 Stars

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An Independent Insurance Agent Can Help You Get a Quote for Truck Camper Insurance

When you're ready to find the right coverage for your truck camper or RV, no one's better equipped to help than a local independent insurance agent. These agents have access to multiple RV insurance companies, so they're free to shop and compare truck camper insurance quotes for you. 

They'll get you matched to the ideal policy at a great rate. And down the road, your agent can help you file RV insurance claims and update your coverage when necessary.