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Old 11-08-2018, 06:27 PM   #11
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California Insurance

Hi, in my searching to find insurance related info, I found this thread. We are currently with Farmers...They will under no circumstances insure us so we are shopping...State Farm just quoted me $1100 for the year (just for our 40' Thomas). But here's how they did it...
I had to find the msrp of the original bus. $100,000 was our "guesstimate".
We expect to pay $20,000 for upgrades to convert our bus. We anticipate if we ever sold it like it seems so many of our youtube peeps that it would sell for $40,000. (of course all of these are estimates but so much of insurance always is, amiright?)
So a quote was based off $140,000! My husband disagrees with this computing, and I tend to agree with him. This does fully cover our rig as if it were a fully stocked motor home, complete with all the liability and comprehensive as well as internal upgrades...
Am I crazy to pay over $100 per month for the bus, or is that realistic?

~Courtney
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Old 11-09-2018, 05:31 AM   #12
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Originally Posted by Courtlynn30 View Post
Hi, in my searching to find insurance related info, I found this thread. We are currently with Farmers...They will under no circumstances insure us so we are shopping...State Farm just quoted me $1100 for the year (just for our 40' Thomas). But here's how they did it...
I had to find the msrp of the original bus. $100,000 was our "guesstimate".
We expect to pay $20,000 for upgrades to convert our bus. We anticipate if we ever sold it like it seems so many of our youtube peeps that it would sell for $40,000. (of course all of these are estimates but so much of insurance always is, amiright?)
So a quote was based off $140,000! My husband disagrees with this computing, and I tend to agree with him. This does fully cover our rig as if it were a fully stocked motor home, complete with all the liability and comprehensive as well as internal upgrades...
Am I crazy to pay over $100 per month for the bus, or is that realistic?

~Courtney
I think most of the crazy priced buses are sorta for the uninitiated. They're nothing special and if they're totaled I highly doubt insurance is going to pay out very much at all. I've seen some folks outright lie on YouTube. The BS factor is high in bus/tiny house vids for sure.
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Old 03-26-2019, 06:37 PM   #13
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I know when I am searching for insurance, Some companies have "other" listed under manufacturer. So I choose other and put in my info. My bus is a 1987 GMC Thomas, so that is basically the info I give without specifically saying it is a school bus. But I have not settled on insurance and am still getting quotes so I am not sure if they are going to require more info or anything else. Progressive is simple and you can get it for under 300 a month depending on the type. But they won't bundle RV and auto which is ridiculous.
I called Progressive for insurance on my International 3600 short bus conversion, got all the way through the process with the rep. and the last questions was "Did this motorhome used to be a bus?" and I could not move forward. I want insurance that I can solidly claim if anything were to happen. Still looking for insurance in California for a short bus. Any one know of any workarounds?
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Old 03-26-2019, 06:46 PM   #14
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Originally Posted by Shorty22 View Post
I called Progressive for insurance on my International 3600 short bus conversion, got all the way through the process with the rep. and the last questions was "Did this motorhome used to be a bus?" and I could not move forward. I want insurance that I can solidly claim if anything were to happen. Still looking for insurance in California for a short bus. Any one know of any workarounds?
Seems Progressive never writes for people calling direct, yet many of us have policies with Progressive by going through an independent insurance company. Many have had the same experience as you when calling Progressive directly. Some got policies that were cancel 2 months later.
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