Insuring OVRLND and similar lightweight/wedge campers

[Wrathchild]

So, my wife called USAA today to try and up the insurance on the truck with the camper additions. They kept saying it’s a “modified vehicle” and weren’t very helpful. Or my wife wasn’t answering the Qs very well which is a possibility. Gonna give them a call again and looking for input on how to communicate what the vehicle is. I’d mostly like to try and get the camper and large components insured as valuable personal property. Any suggestions?

 

[crazysccrmd]

USAA told me they cover up to a max of $5k in aftermarket items automatically and don't have an option to increase coverage under your auto insurance. They suggested a separate policy to cover the camper.

 

[MuleShoer]

Change your policy to stated value
i did with mine and saw no increase in cost

 

[DaveInDenver]

Change your policy to stated value

I did the same many years ago with my WilderNest. Surely an insurance agent should know how to deal with this.

You want to make sure it's clear up front because they aren't quite slide-in RV sort of campers like insurance companies are familiar with but they're more valuable than plain old camper shells.

It does help to know your agent and have them see it in person to understand.

 

[vintageracer]

Change your policy to stated value
i did with mine and saw no increase in cost

A "Stated Value" policy means you are paying a premium based upon a value of the asset when you take out the policy. It does not mean the insurer will pay you the "Stated Value" on the policy for a total loss. The insurer will still pay the "Market Value" of the asset on the date of loss which may or may not be the "Stated Value". A "Stated Value" insurance policy is NOT an "Agreed Value" policy where the insurer will pay the "Agreed Value" of the asset you both accepted when the policy was let in the event of a total loss.

Make sure you have the type of policy in place you think you do on your camper.

I suggest you read and most importantly understand the terms and exclusions in any insurance policy before you enter any insurance contract. If you are not sure talk to the agent and get an explanation in writing.

 

[MuleShoer]

A "Stated Value" policy means you are paying a premium based upon a value of the asset when you take out the policy. It does not mean the insurer will pay you the "Stated Value" on the policy for a total loss. The insurer will still pay the "Market Value" of the asset on the date of loss which may or may not be the "Stated Value". A "Stated Value" insurance policy is NOT an "Agreed Value" policy where the insurer will pay the "Agreed Value" of the asset you both accepted when the policy was let in the event of a total loss.

Make sure you have the type of policy in place you think you do on your camper.

I suggest you read and most importantly understand the terms and exclusions in any insurance policy before you enter any insurance contract. If you are not sure talk to the agent and get an explanation in writing.

Correct
i ment to state agreed value. I have two one for the brute at $80k and the recent tundra build at $62k. With both policies i had to provide supporting receipts and pictures