GEICO Experience:
On the first call I got transferred to the RV department likely because I mentioned truck camper. They looked up the GFC website after I gave them the make/model and asked if it had “living quarters” (kitchen and sleeping area). They eventually said that they don’t insure this type of camper shell. They’re saying they can’t insure this type of shell since it has a sleeping area and it’s not just a camper shell. I mentioned other people insured their GFC through GEICO but they didn’t budge.
Sooo I called a second time and told them I recent added a truck camper shell and the GEICO rep immediately said they could list it under a truck customizations ($8k value). She then asked the value and what “part” category it would fall under (“truck shell” was the closest). Added a cost of $46 to my 6-month plan. She said wait 24 hours and it will be fully covered. The call took all of 5 minutes. So if a company denies you at first, I’d recommend calling again and speaking with someone else.