Rv Insurance Coverage Options And Prices – This is a comprehensive guide on how to get school bus conversion insurance based on months of research and the process of getting insurance for our skoolie. From getting insurance for the new bus you just bought to cover you when you drive it home, to getting full cover skoolie insurance when you finish converting your school bus.
Getting skoolie insurance can be frustrating, especially if you’re just buying a bus for the first time or in the process of converting. Our goal with this guide is to provide as much detail as possible about the process so you can navigate your way to getting insurance from a rough bus to a finished skoolie.
Rv Insurance Coverage Options And Prices
Legal Notice: What we will share with non insurance or legal advice is simply what we’ve learned from the process of getting insurance, how we’ve found others getting insurance, and what we’ve done to get coverage. This may be used for educational purposes only. We strongly advise you to do your own research and seek your own insurance and/or legal advice to ensure you are fully covered while driving your bus home and during the conversion process.
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There are a lot of old skoolie insurance articles and forum posts out there on how to get school bus conversion insurance (or those struggling with it) that made Sarah and I nervous about insurance when we first started.
Fortunately, it is not as difficult as they say. Most people will get rejected or hit a roadblock a few times and then get frustrated – turning to forums and blog posts to let everyone know what they’re up against. We get their frustration – Progressive kicked us out of our policy 75% through our conversion process.
The industry has moved on and there are many different ways to get insurance outside of the big companies out there when buying a used school bus and during the conversion process.
State Farm and other companies have come a long way to offer fully covered school bus conversion insurance once the conversion is complete.
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Insuring buying a raw bus and doing the conversion is not expensive at all, depending on how you communicate your intentions with the bus while you have the policy.
Insuring the skoolie once completed is also not expensive, as at this point it is categorized by some companies as a regular RV – especially if the title has been changed to classify it as a motorhome.
Since that’s out of the way, let’s dive a little deeper into the types of insurance you’ll want to get during the conversion process and then once you’ve finished school and started traveling.
There are eight types of insurance coverage to be aware of when determining which insurance is right for your situation:
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It is important to note that insurance requirements and availability may vary by state and by insurance company and your needs.
When insuring your skoolie, personal items and yourself – it’s a good idea to talk to an insurance agent who specializes in RV or commercial vehicle insurance, travel insurance and personal property insurance to make sure you have the coverage you need. Often, different policies may be needed to cover different situations and some overlap in coverage may occur, so it’s not always a bad thing to have dual coverage for different items.
There are five main types of insurance that you will want to have throughout the school bus buying process until you start traveling and beyond, and they are:
Both travel insurance and renters insurance are additional insurance coverages that can be obtained to provide additional coverage for emergency medical care and personal possessions beyond what the three types of skoolie insurance can cover.
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Bus conversion insurance is an insurance policy for the time of purchase, the initial drive to the conversion site and during the skoolie building process.
Is a term for the skoolie community, not an official name for a type of insurance. Most bus conversion insurance is a commercial vehicle policy for personal use.
A school bus or shuttle bus is a commercial vehicle until the title is changed to classify it as a motor vehicle. Because they are classified as commercial vehicles, insurance companies generally require commercial vehicle insurance policies even though we plan to use them for personal use.
After the bus is converted, the commercial vehicle insurance policy for personal use can be replaced by obtaining part-time insurance or full-time RV insurance.
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In this section we dive deeper into the first policy that most people buy for a raw bus conversion, which is a commercial vehicle insurance policy. This is essentially raw school bus insurance because the raw bus is still considered a commercial vehicle until the conversion is complete.
If you have or plan to buy a ready-made skoolie, you can skip to where we cover full coverage of Skoolie insurance.
Commercial vehicle insurance for personal use is a type of insurance policy that provides general liability coverage for vehicles that are owned or used by an individual for personal use but are classified as commercial vehicles.
When you first buy a used school bus and drive it home, you will need to have at least liability coverage. This covers other people and their property if you have an accident. Most states require vehicle liability coverage.
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Adding comprehensive and collision insurance to the policy would be a good idea to at least cover the bus if you are in an accident. This will protect your investment, as liability coverage only protects the other person and their property.
The owner of a newly purchased bus to be converted to a skoolie should at least consider having a commercial vehicle insurance policy for personal use to cover the drive from the point of purchase to where the vehicle will be parked during the conversion.
If you plan to drive the bus from time to time during the construction process, it would be a good idea to keep this coverage. As mentioned earlier, you may want to get comprehensive collision insurance included in the policy to protect your bus investment.
The first step is to talk to your current vehicle insurance provider, especially if you have an independent insurance agent that you know and have worked with before. If you do not have vehicle insurance, call and talk to a variety of regular vehicle insurance agents.
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When you call a regular auto insurance agent, start by explaining to them that you are not a business, but that you are purchasing a commercial vehicle to use as a personal vehicle. Essentially, you want personal use commercial vehicle insurance. They may be able to help you with a policy or refer you to someone who can talk to you about a policy for this situation.
How far you get with these agents depends on the agent you work with – their experience, knowledge and willingness to work with your situation that is different from their typical personal vehicles they usually work with clients on. Sometimes it can be better to work with an independent agent who can get you quotes from several different insurance companies.
The next step is to call commercial vehicle insurance providers directly to see if you can get a commercial vehicle policy. Generally, you will need a business and the vehicle will need to be used for commercial purposes to get a commercial vehicle policy. However, we ended up with a commercial policy that was really cheap.
We called the regular personal vehicle insurance number at Progressive and told them we would like to add a commercial vehicle for personal use to our existing policy. I (Chris) have had progressive insurance on my cars and motorcycles for 10+ years. When asked, we said we were buying the bus to store things in it on a family property. This was not a lie, as for several months of construction it was basically a storage unit for wood, tools and all of our construction.
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Progressive transferred us to their commercial insurance department, where they asked us about the bus and again about our bus plan. We ended up getting a commercial vehicle policy, but it specifically stated that the policy was a commercial vehicle to be used for personal use. Our policy was also limited to mileage within a 100 mile radius of the policy address.
Home in Wisconsin from where we were buying in mid-southern Michigan. The agent confirmed and stated that she added a note to our policy for the initial ride, with the location of purchase and policy address as the destination and travel dates. We gave them a few days to travel just to be safe.
Commercial vehicle insurance policies for personal use should be 6 month policies costing anywhere from $200 to $600 for a 6 month term. The price generally depends on the type, age, mileage and expected driving radius from the main storage point.
Our policy ends up costing about $260 every six months and