Short answer: Yes, you absolutely can. And it’s a smart move.
Tents, sleeping bags, camp kitchens... it all adds up fast. The good news is there are several ways to protect your RTT and other camping gear from theft, damage, or unexpected misadventures. Here’s how to insure your rooftop home-away-from-home and get back to dreaming about your next trip—worry free.
Is Your RTT Already Covered?
Your homeowner’s or renter’s insurance may already offer some protection for your RTT and other camping gear—even when used away from home.
Contents Coverage typically includes personal items like tents, sleeping bags, or camp stoves.
Off-site coverage varies, so check whether your policy covers items when used outdoors or away from your primary residence.
For higher-value gear (like your RTT), consider submitting an itemized list to your insurance provider with receipts or estimated values. This helps ensure full reimbursement if you ever need to file a claim.
Tip: Reach out to your insurance agent to double-check. Adding a provision is usually quick and easy.
Auto Insurance and Your RTT
Depending on how your policy is structured, your RTT could be protected under a few different types of auto coverage:
Collision Coverage
Covers damage to your tent (and vehicle) if you hit something—like a low parking garage or rogue tree branch.
Comprehensive Coverage
Think wildfires, falling debris, theft, or even a bison charging your car (yep, it’s happened). This is the “act of God” category.
Personal Property
Covers belongings inside your vehicle in case of theft or damage—but check whether it extends to mounted gear like RTTs.
Every policy is different, and most auto insurance agents are happy to review and update your policy on the fly.
Accidental Damage Coverage with Extend
Even with great insurance, accidents still happen. That’s why iKamper offers Extend: optional accidental damage protection you can add at checkout.
What Extend Covers:
Drops, cracks, dents, tears, and structural damage
Accidents during handling or transit
Real-life stuff—like drive-thru mishaps or trail damage
Key Benefits:
Peace of Mind: Know your RTT is protected
Repair or Replace: Quick, easy claims process
Zero Deductible: No surprise fees—ever
Extend plans are available for 1, 2, or 3 years, but they must be purchased when you buy your iKamper tent.
Other Ways to Protect Your RTT
Let’s talk non-insurance ways to keep your RTT safe, starting now:
Bracket Locks
The single best theft deterrent. Our bracket locks are so secure, we’ve seen entire cars pulled sideways before the mounts budge.
Grab yours here
Storage Tips
While many people leave their RTT mounted all year, you can extend its life by storing it in a secure space during the off-season.
That might mean parking in a garage or removing the tent entirely. Check out this blog for the best storage tips.
Just a couple small steps can go a long way toward protecting your investment.
Final Thoughts
Camping is about escaping stress—not packing it in with your gear. Take a few minutes to double-check your insurance policies, consider optional protection like Extend, and rest easy knowing your RTT is covered. We’re here to help every step of the way—reach out anytime with questions.