RV News RVBusiness 2021 Top 10 RVs of the Year, plus 56 additional debuts and must-see units → ×
 


Reply
 
Thread Tools Display Modes
 
Old 02-13-2021, 09:59 PM   #11
Orv
Senior Member
 
Join Date: Sep 2018
Posts: 467
Garage
I was afraid if I did something like that and then had a claim, they'd use it as an excuse to rescind the policy instead of paying up.
__________________

__________________
N8SRE
1990 E-250 Sportsmobile w/ penthouse top, converted when new by SMB Texas.
Orv is online now   Reply With Quote
Old 02-14-2021, 10:38 AM   #12
Senior Member
 
boywonder's Avatar
 
Join Date: Jul 2013
Location: So Cal
Posts: 3,233
Quote:
Originally Posted by vandiesel View Post
The toilet part is one of the variables..... It is a bit of a crap shoot who you get inspecting also.

...no pun intended....
__________________

__________________
2008 E350 RB passenger 4WD SMB penthouse
2013 KTM 350 EXC
2008 KTM 250 XCF-W
2000 KTM 200 EXC
2003 Honda Element
boywonder is offline   Reply With Quote
Old 02-14-2021, 12:14 PM   #13
Member
 
Join Date: Jul 2019
Location: Phoenix
Posts: 59
Garage
There is some good news in the van insurance racket. I originally insured our SMB West van through Progressive RV after going through all the hassles of finding a company as has been painfully described above. My original premium was ~$1114. I just received my first renewal premium. The bill is only $740. As far as I can tell, there are no changes to the policy except that the vehicle is one year older. Go figure.
Good luck with your search.
__________________
Scott

2019 Transit 350 HR Eco Quigley 4X4
“Vandemic”
Charliesmom is offline   Reply With Quote
Old 02-14-2021, 06:40 PM   #14
KDB
Senior Member
 
KDB's Avatar
 
Join Date: Feb 2013
Location: Santa Cruz, CA
Posts: 184
Allstate for me.
KDB is offline   Reply With Quote
Old 02-18-2021, 12:03 PM   #15
Junior Member
 
Join Date: Sep 2011
Posts: 3
I built a DIY shuttle bus (2006 Ford E350 Chasis) and made it 4x4 with the UJoint Offroad kit. Insured with State Farm no issues as an RV/Motorhome. It got totalled last year and although it took several months, I got a true market payout for it that I was extremely happy with!

Then last July I got another van, just a normal 2013 E350 passenger van and just got done a few months ago converting it to a motorhome. Surprisingly their requirements were more lenient for van conversions now. If I remember correctly, basically just need a permanently mounted cooking surface (can be a simple one burner coleman stove bolted to the counter top), a dedicated sleep area, and flooring (I have insulation, birch, then carpet). Then send them pictures and all the expenses broken down in a spreadsheet, and boom its a low premium motorhome policy. No need for them to see it in person. They are backlogged though with managing these policies so it did take a few months for them to process it. But the new pricing was effective I sent the email notifing them my conversion was done.
cherokee98 is online now   Reply With Quote
Old 02-18-2021, 12:52 PM   #16
Member
 
Join Date: Nov 2020
Location: San Diego
Posts: 30
Quote:
Originally Posted by cherokee98 View Post
I built a DIY shuttle bus (2006 Ford E350 Chasis) and made it 4x4 with the UJoint Offroad kit. Insured with State Farm no issues as an RV/Motorhome. It got totalled last year and although it took several months, I got a true market payout for it that I was extremely happy with!

Then last July I got another van, just a normal 2013 E350 passenger van and just got done a few months ago converting it to a motorhome. Surprisingly their requirements were more lenient for van conversions now. If I remember correctly, basically just need a permanently mounted cooking surface (can be a simple one burner coleman stove bolted to the counter top), a dedicated sleep area, and flooring (I have insulation, birch, then carpet). Then send them pictures and all the expenses broken down in a spreadsheet, and boom its a low premium motorhome policy. No need for them to see it in person. They are backlogged though with managing these policies so it did take a few months for them to process it. But the new pricing was effective I sent the email notifing them my conversion was done.
+1 for State farm. It was super easy to get mine insured. I just sent them a spreadsheet with cost and boom we were in business. I was impressed how easy it was and my agent said with COVID that LOTS of people are doing this with vans and business is booming... so they made it much easier to underwrite.

*shrugs* YMMV but I'd try state farm, just have a spreadsheet of costs, and some pictures and you may be in business.
spazegun2213 is offline   Reply With Quote
Old 02-18-2021, 01:17 PM   #17
Junior Member
 
flyingpig's Avatar
 
Join Date: Jun 2015
Location: Loveland, CO
Posts: 13
I got my SMB with a RIVA tag insured through Foremost, a division of Farmers. Originally, I had National General through Good Sam and they kept raising my rates, even with no claims or violations.
flyingpig is offline   Reply With Quote
Old 02-18-2021, 01:21 PM   #18
Member
 
Join Date: Nov 2017
Posts: 36
RVIA, states and the IRS have their own definitions of what it takes to qualify as an RV. However, it seems that insurance companies don't have to use any of those definitions to decide if/how they will allow you to insure your van. RVIA certification is not 100% required, but it seems to be a big help - we haven't had any of our customers get denied for RV insurance as far as I know. From the posts I read, it seems like some insurance companies have been tightening up their rules over the last couple of years. I've also seen several cases where the same company denied or approved DIY builds depending on the parties involved. Having a helpful agent seems to go a long way with some of the name brand companies.
pjtpj is offline   Reply With Quote
Old 02-18-2021, 08:00 PM   #19
Member
 
Steve Hunt's Avatar
 
Join Date: Mar 2020
Location: North Florida
Posts: 83
Quote:
Originally Posted by spazegun2213 View Post
+1 for State farm. It was super easy to get mine insured. I just sent them a spreadsheet with cost and boom we were in business. I was impressed how easy it was and my agent said with COVID that LOTS of people are doing this with vans and business is booming... so they made it much easier to underwrite.

*shrugs* YMMV but I'd try state farm, just have a spreadsheet of costs, and some pictures and you may be in business.

Essentially I experienced the same with Auto Owners Insurance, however taking your money is the easy part....getting them to pay down the road is another story and I insist on worrying about it from time to time. Oh well, what are you goin' do? It's fueled by less than good experience with insurance companies in the past.
__________________
Steve
2008 E350 V10 EB Cargo "CAZA-mobile"
2009 KTM 950 Super Enduro
2014 Triumph 675 Daytona track bike
Gary Fisher HiFi Pro MTB
Steve Hunt is offline   Reply With Quote
Old 02-18-2021, 08:11 PM   #20
Member
 
Join Date: Aug 2017
Posts: 66
As an update, I've tried progressive, Foremost, American Adventure Insurance, and others, and none will cover a non-officially converted vehicle that *lacks the definitions of an RV*, i.e. a mostly passenger home brew. (I may not have been precise before, but I'll have over $70k into this but no toilet, stove, plumbing).

Based on your suggestions, I am going to try State Farm and a spreadsheet of upgrades, and then conclude it's not possible, and just get liability / comprehensive as a normal 8 yr-old E350.

I wish it would have been easier to search for this answer, so hopefully the next searcher will find this.
__________________

scuba is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Powered by vBadvanced CMPS v3.2.3
Disclaimer:

This website is not affiliated with or endorsed by Sportsmobile SIP or any of its affiliates. This is an independent, unofficial site.


All times are GMT -6. The time now is 12:18 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2021, vBulletin Solutions, Inc.
×