This looks like the Geico UI - was it as easy as calling them up and adding it with a stated value and your build#?
Yes. Use the build number as the serial number to make it less confusing. Add a couple of zeroes in front of it.
My insurance just so happened to be up for renewal so I inquired about additional equipment coverage at a few places. My GFC was not insured at this point in time. Here’s what I learned:
*State Farm: They’ll cover anything permanently bolted to the truck under your standard policy. However the two agents and underwriters I spoke to refused to cover the GFC once they learned it had fabric/tent sides (They looked it up themselves). They didn’t care it was essentially a hard shell when closed and vehicle was in operation. @seanpholman @docdave15 you may want to double check with your agents here. I know insurance is a bit of a game so you may have better luck than I did.
*Progressive: They’ll only cover up to $5,000 worth of additional equipment. This additional coverage would have added around ~$400 to my 6 month premium. The only way to get closer to the $7k value of the GFC in additional coverage is to opt for a stated amount policy. I would not recommend a stated amount policy in most circumstances.
*Farmers: Would only cover up to $1,000 worth of additional equipment. No exceptions.
*Geico: Agreed to cover up to $8,000 in additional equipment for about $8/month. Same experience as @GFCnortheast and @d.shaw. Standard premium was very competitive, too. I went with Geico and paid the 6 months in full.
*Disclaimer: Obviously take all of this with a massive grain of salt. Your individual situation, driving history, dependents, bundling, coverage needs, location, and relationship with insurer may net you different results. Take the time to call around and when it comes to insurance—don’t put too much weight in loyalty.
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Im not sure about this. Ive added quite a bit to my truck, and as I add, I increase the number that i am insuring. I guess thats a stated amount? It might be cheaper that way. I have my truck insured for 40k - and with another junky car on the policy, i pay ~$85/month. I do have other policies on my account, and have been with progressive for 10+ years… I haven’t added my most recent mods, but they told me if i were to total my truck, i would just need to pay the deductible, and a check would be cut for the rest
I would encourage all to review Progressive’s Custom Parts and Equipment Value Policy. (From their site: "CPE coverage “typically” has a $5,000 limit.”) I would also encourage all to read about the pros and cons of holding an “Actual Cash Value” policy v. “Stated Amount” policy. The type of policy determines how the insurer values your vehicle (and additional equipment) at time of claim and determines the amount of the cut check for “the rest” after deductible payment.
Disclaimer again: The only statement I can actually guarantee and stand behind here is that each individual situation is going to be very different.
When I called to increase my coverage, I made them aware of the modifications that i have and they assured me that they were covered. I also have receipts for almost everything. They said they weren’t needed, but to keep them just in case. I haven’t called to add the GFC yet, but i will inquire again when i do
I appreciate everyone sharing their insurance costs for the GFC add-on. We have American Family for our house and vehicles and they are saying it is a modification and will be about $200 per six months! It’s good to have these figures from all of your various insurers to toss back at our insurance agent and point out their pricing is a bit nuts.
They also say they won’t add it until we send photos of it on the truck. Like when we are getting ready to drive home with it? Seems silly.
Working with our agent we ended up with a separate travel trailer policy through Progressive for $273 a year. Seemed like the best option and were able to use our build number as the serial number on the policy. Located in Denver for pricing reference.
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Whoa I’m in the same area and Allstate is way way less (38/year!) , might be worth looking into. I do have multiple policies with them
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I just tried to get my camper installed through Progressive and they said they didn’t cover that type of camper . . . maybe I should call back and try someone else, but they do seem to be more expensive than what other people are paying
I did go through our normal insurance broker and he handled the interaction with Progressive, to be fair. Also sounds like I’ll do some more research on my own to find a better rate, but at least for now we’re covered!
I have Geico and just insured it as an $8000 truck cap. Added $3.50/mo to my insurance
Also with Geico. Added $8k for GFC truck topper insured for no additional amount to premium.
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Stamp your build number on a metal plate or even router it on to a piece of wood and permanently attach it somewhere. Voila.
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I have my whole truck insured for a stated amount. I was just reviewing some policy documents, and it said stated amount or “actual cash value” whichever is lower. (And I think minus my deductible)
I should call them and review this again just ot make sure that if im in an accident, then my stated amount, minus deductible, will be paid out, and not the latter above.
Big thanks for flagging this. Geico told me it’s considered a truck customization and covered under my auto policy. My premium went up $28 total for a 6-month period. Not bad.
Did the same with Geico today. “It’s a mod so it increases the value of your vehicle” and tagged me for $35/6 months
Just did mine thru USAA which uses Progressive apparently for campers/RV’s.
I just picked up my GFC this weekend. I called AAA Insurance (my vehicle insurance) to ask about insuring the GFC. They said that it was fully covered by my policy already and I was good to go. Hopefully there is no need to ever use it and if I do, it all goes well.
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Update- I’ve shopped around for some quotes recently and leaning towards State Farm. At least here in Colorado, they consider aftermarket equipment and the camper permanently attached so won’t cost extra. Allstate costs me a pretty penny for the aftermarket stuff, but camper is super cheep. Curious if anyone knows of a downside to SF?