Sorry for the delayed response. Been out enjoying the camper in Glacier, Jasper and Banff! Unfortunately we live on a boat and don’t have homeowners’ insurance! Oh well. Made it on our 2,800 mile trip without any damage to the camper. So the insurance problem can wait a few weeks.
I added insurance today, collision and comprehensive thru Hartford. $500 deductible, $52 annual premium increase to the auto policy. They used $13k valuation that I gave them, but as with all losses I would need to prove replacement/repair cost. That would be the trailer, kit, parts, and someone else building it.
I had the same experience as rovineye, except with a different carrier. state laws and insurance carrier requirements might vary, but my agent asked for the VIN number of the trailer, and then I provided the replacement value that I wanted to insure against.
Hmm, what insurance company did you use? I’ve called Farmers, Nationwide, Pemco, Geico, and Progressive, and none of them will insure anything custom-built. My agent even called a speciality insurance company (I think Symetra?) and they wouldn’t either. I did try Hartford, but unfortunately (or maybe fortunately 🙂 ) I am not of the right age for AARP.
From my understanding, homeowner’s/renter’s insurance only covers it while at your home, not while on the road. Of course I may be wrong.
Anyone have any advice on how to get this thing insured? It was a lot of effort to build, and I’m real hesitant to take it out without insurance.