the insurance co. dont care if its soft or hard sided, only that your pulling a folded camper instead of a full size upright camper.and total replacement cost.i carried $38,000 on my 3326, 2007 with $75.00 ded. decreasing $25.00/year without a claim.when my agent called back to see how they had it listed, they said travel trailer and he said that it folded down for towing at 26feet,they said that made the differance in rate of $243.00 instead of $568.00.the rate was based on total replacement cost w libility and comp. it also includes road side service.
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