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Old 07-06-2017, 11:39 AM   #21
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So I went the Commercial for Personal Use route and VOILA! I am insured. I explained to the State Farm agency that was already working on my RV policy that this is what folks are doing while they are in the process of converting. He said he'd check it out and an hour later he had a policy for me - no questions asked. This is great. Thanks for the tips folks!
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Old 07-19-2017, 01:02 PM   #22
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Originally Posted by natedlee View Post
Sounds like EXACTLY what I need. I am registered Motor Home in VT. I have a call out with Progressive this evening and they are supposed to call me tomorrow. A casual comment with my own insurance (USAA) is that the moment I put a bed in it I have to switch to a Personal RV policy. It's a freaking catch 22.
I just purchased a 94 ford B700. I have all banking, homeowners, and 3 other vehicles insured through USAA. called them for insurance on the bus and they said they couldn't insure it. Sent me to commercial dept which is thru progressive. Told me I could put liability with $750,000 coverage on it til I started conversion. Then I would have to use an actual licensed r.v. upfitter to do the conversion. What gives?

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Old 07-19-2017, 01:04 PM   #23
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Posts: 95
Year: 1998
Coachwork: Blue Bird
Chassis: TC2000
Engine: Cummins 5,9 12V
Rated Cap: 24 seats, 3 wheelchairs
I finally got Commercial for Personal Use insurance through State Farm while I wait for them to get the RV policy in place. My local State Farm rep doesn't seem to think I will have any issues, and they aren't requiring a "professional" conversion company to do it.
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Old 07-19-2017, 01:22 PM   #24
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Originally Posted by natedlee View Post
I finally got Commercial for Personal Use insurance through State Farm while I wait for them to get the RV policy in place. My local State Farm rep doesn't seem to think I will have any issues, and they aren't requiring a "professional" conversion company to do it.
Cool beans. Thanks

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Old 07-19-2017, 01:44 PM   #25
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Greetings everyone,

In Alberta we have municple rules regarding the parking of Commerical vehicles on the property over a certain weight. My brother-in-law got around this, as well as insurance issues to get it home by:

1)Purchased bus
2)Found a RV junkyard, ripped out a bathroom, its fixtures, a furnace and its hoses and tank, the bed, sink and cabinets, water and blackwater tanks. Nothing was working so it cost him @200.00 bucks for the junk.
3)Went to bus location. Used a reciprocating saw to ungracefully remove the bus seats - didn't bother to unbolt the bottoms. That took care of anti commercial use concerns. Moved the old seats outside the bus.
4)Installed the used stuff half-hazardly using deck screws, l-brackets, right through the existing floor where he could get around the seat mounting stubs. Took photos. Loaded the seats back in the bus.
5)Went home and had the title changed to an RV with said photo's.
6)Got RV insurance. Took a week or two
7)Went back to the bus "aka: RV" Dropped by a junkyard on the way home to unload the seats. Parked it in his backyard as an RV. Neighbors couldn't complain - RV storage allowed.
7) Ripped out the temporary swag and started his conversion, grinding out the seat mounts, etc.

Perhaps this might be an option for some?
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Old 07-19-2017, 02:09 PM   #26
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Upfitter for insurance

Quote:
Originally Posted by KnottyDevil View Post
I just purchased a 94 ford B700. I have all banking, homeowners, and 3 other vehicles insured through USAA. called them for insurance on the bus and they said they couldn't insure it. Sent me to commercial dept which is thru progressive. Told me I could put liability with $750,000 coverage on it til I started conversion. Then I would have to use an actual licensed r.v. upfitter to do the conversion. What gives?

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Once you do the conversion you can hire a mobile RV mechanic to certify it for a reasonable fee. This should make your insurance company happy....
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Old 07-19-2017, 04:17 PM   #27
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Once you do the conversion you can hire a mobile RV mechanic to certify it for a reasonable fee. This should make your insurance company happy....
You got a point there.

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Old 07-19-2017, 04:29 PM   #28
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Originally Posted by natedlee View Post
I finally got Commercial for Personal Use insurance through State Farm while I wait for them to get the RV policy in place. My local State Farm rep doesn't seem to think I will have any issues, and they aren't requiring a "professional" conversion company to do it.
I have done one bus that way with State Farm and had no issue. I have two more that we have insured with State Farm as Commercial for Personal Use that I expect to go the same route.

State Farm has been good to us.
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Old 07-19-2017, 04:44 PM   #29
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Once you do the conversion you can hire a mobile RV mechanic to certify it for a reasonable fee. This should make your insurance company happy....
What in h*ll is a "certified conversion"? Certified by whom? A "mobile RV mechanic"? Is he/she certified by anyone? Certified to what standards? What is the corporate entity maintaining these standards?

Did I miss a big conversation here?
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Old 07-19-2017, 04:46 PM   #30
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I finally got Commercial for Personal Use insurance through State Farm while I wait for them to get the RV policy in place. My local State Farm rep doesn't seem to think I will have any issues, and they aren't requiring a "professional" conversion company to do it.
Where are you located? State?

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