Ideas for insurance coverage for aftermarket parts and camping setup

I have a 2018 Tacoma TRD OR DCLB and my current insurance has been great. They let me add my steel bumpers, suspension upgrades, sliders, and GFC camper. Now that I am building out the back with a solar setup, fridge, etc they have told me no more. They don't want to cover any of the new additions that will turn my personally insured vehicle into the realm of a recreational vehicle.

So what does everyone else use to cover their aftermarket upgrades? I'm sitting at about $15k in aftermarket upgrades before adding my setup and am looking at probably $6k more to build out the back when I am done. Anyone have suggestions? Anything helps to narrow it down before I cold call every mainstream insurance agency.

 

Insurance agent checking in here. I represent seventeen companies that write auto insurance. They all would tell you the same thing somewhere in that range between $0 and $21K. You might find a company that would do the whole $21K addnl equipment, but at what price? Insurance is the transfer of risk. Some risk you must assume yourself. Shop your insurance around and see what is the best deal out there. And as far as "mainstream" insurance agency...call an independent agency. They have all the companies in one place, easy one-stop shopping of most of the companies.

 

Depending on how you mount it and what you call it, but it can also be covered under your home owners (or renters) insurance if you have that. Vehicle contents are usually covered with some limitations, so that might be worth looking into.

 

Cover the big components. Stuff inside the bed could be covered under personal property of homeowners insurance if need be

 

@Shellshock thanks for the info. I guess I need to call my homeowners to verify what they cover, but I don't think they will. I was building out my 2017 Tacoma (pull out drawers, camping gear, etc) when I was rear ended hard enough to total the truck. The insurance tried screwing me and didn't end up covering most of the camper shell or the internal contents which were a complete loss. A few thousands dollars of gear/drawers turned into a garbage pile.

@tonykarter See above ^ I assumed the risk and bit a bullet last time. Now with a lot more value installed I am weary. I don't even drive it that often because I work from home, but the amount of people on the phone while driving lately is enough to make me want to transfer my risk.

@mutely I tried the homeowners route and they said that if it stays in the truck for a certain amount of time or if it is semi to fully permanent they wouldn't cover it.


Hopefully lightning doesn't strike twice, but I'd rather just say screw it and have everything covered without any hassle. Peace of mind is worth the extra dollars for insurance.

 

I’m sure it’s different with every company but I’ve checked with mine and rechecked and checked some more.

On my tundra I’ve got added coverage for the habitat that I installed but anything else in the truck (like if it was stolen or destroyed) would be covered under my homeowners policy

No matter what happens, insurance claims are a battle. My house got broken into a few years ago and I argued with them on a near daily basis about coverages and replacements, it was a huge pain in the ass but in the end they paid it all out.

 

You can insure a stated value.

 

I'd consider taking 90% of that stuff that isn't bolted down out of it when not in use since it isn't a recreational vehicle. What you've gotten your insurance to cover so far is amazing in it's own right and I'd be curious to see if they even honor it in a claim. If it is a recreational vehicle then you have your answer and you'll have to insure at greater cost with different terms.