Originally Posted by Shanks12
So we just picked up our new camper [2016 Salem Hemisphere 27BH
] last week. I am wondering what you guys are doing for insurance as far as coverages.
I had my old camper through the same insurance as home/auto - Indiana Farm Bureau. I paid $55 a year for the 2005 Roo.
I had him update it to the new camper with the new totals that was paid on the camper and it raised the rates to $190 per year.
* D Other Than Collision = Actual Cash Value Less $250 Deductible Each Accident
* Collision = Actual Cash Value Less $250 Deductible Each Accident
Maximum Limited Liability for price we paid on the camper.
I guess I haven't shopped around, but feel this is good. Those are the two coverage's that I have currently.
Is that coverage standard for campers? Am I missing something else that should be included? We are not full timers. Just weekend getaways and maybe a week long trip once a year.
Alright. I have Oklahoma farm bureau insurance and have for years. I work in the collision industry and we have to work with insurance and coverages every day. Plus my agent is a good friend and has had to help me insure several businesses and dozens of vehicles as im always dealing with vehicles. Plus I've specifically asked about and read all my coverages.
We have our 2015 Sabre 36qbok insured with them on our vehicle policy. We carry a $1,000 deductible and our rate is $147 every 6 months for collision and comprehensive insurance. (This covers the camper for any damage, wrecks, acts of God, fire, flood etc.) For about $40 or 50 more i could have dropped my deductible to $500. But since im in the industry, i can easily absorb the $1,000 deductible.
Like mentioned, your liability is covered by your vehicle. Like If your tail swing hits a car, your covered.
For anything other than those kind of losses, ....say someone falls of your steps of your camper, or trips over your dog at a campsite, your homeowners insurance (if you have homeowners insurance with liability coverages) will cover that.
If there is something else i didn't cover, just ask.