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Old 03-30-2017, 08:25 AM   #1
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No way no how

The new guy is looking at buying a Chevrolet G2500 cutaway and is looking for insurance. Yes it used to be a school bus. Look at them all run. Will ANYBODY insure my bus?
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Old 03-30-2017, 09:29 AM   #2
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The new guy is looking at buying a Chevrolet G2500 cutaway and is looking for insurance. Yes it used to be a school bus. Look at them all run. Will ANYBODY insure my bus?
Where are you located?
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Old 03-30-2017, 10:08 AM   #3
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Old 03-30-2017, 11:13 AM   #4
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Tell them it is a cargo van.
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Old 03-30-2017, 12:20 PM   #5
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Well after 14 hours on the phone National General will insure my bus. They are ok with it being a bus and know I am going to gut it. Next step getting it titled as a MH? Stay tuned.
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Old 03-30-2017, 01:03 PM   #6
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Well after 14 hours on the phone National General will insure my bus. They are ok with it being a bus and know I am going to gut it. Next step getting it titled as a MH? Stay tuned.
Don't bother with MH title. You've already got ins.

Nice to see ANOTHER central FL member!
Holler if you need a hand with ANYTHING and I'd be glad to help out.
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Old 03-30-2017, 02:12 PM   #7
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Cool, I'll be close in a week or so too.
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Old 03-31-2017, 06:22 AM   #8
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Thank You
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Old 03-31-2017, 11:34 AM   #9
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Don't bother with MH title. You've already got ins.

Nice to see ANOTHER central FL member!
Holler if you need a hand with ANYTHING and I'd be glad to help out.
Things vary by state but you may look into insurance and registration costs for commercial vs motorhome.

For me, here in WA, registration is cheaper for a motorhome. A little cheaper for the short bus and MUCH cheaper for the Bluebird. Insurance will be much cheaper on both as soon as I am able to switch from "commercial vehicle for personal use" to motorhome. The short bus is currently $332 a year and will be less than half that as a motorhome.

Just something to consider before making the final decision.
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Old 03-31-2017, 03:48 PM   #10
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Things vary by state but you may look into insurance and registration costs for commercial vs motorhome.

For me, here in WA, registration is cheaper for a motorhome. A little cheaper for the short bus and MUCH cheaper for the Bluebird. Insurance will be much cheaper on both as soon as I am able to switch from "commercial vehicle for personal use" to motorhome. The short bus is currently $332 a year and will be less than half that as a motorhome.

Just something to consider before making the final decision.
Hard to find anyone to insure a converted "MH" school bus here in FL.
Good Sam will do it, but as far as I can tell thats it.
Leaving it as is means Progressive and Allstate are easily obtainable.
You're right though- stuff varies from state to state.
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Old 03-31-2017, 04:33 PM   #11
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I have insured three buses with State Farm in WA and AZ with no trouble.

I wonder if the folks that are having trouble are running into agents that just don't want to deal with it or if it is due to regulations in their state?
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Old 03-31-2017, 04:52 PM   #12
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I have insured three buses with State Farm in WA and AZ with no trouble.

I wonder if the folks that are having trouble are running into agents that just don't want to deal with it or if it is due to regulations in their state?
Insurance companies vary state to state just as much as anything else. Some states have VERY few choices for insurance, so its worth looking into before changing the title.
I made my first bus a "MH" or "RV", I can't remember which. Couldn't get insurance at all. period. That was in 2002-ish.
Now I own and drive TWO BUSES titled as buses, and am just happy to have that magic piece of paper know as an insurance card to make it legal to drive on public roads.
This is in FL, of course YMMV.

How are yours titled, Steve?
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Old 03-31-2017, 06:26 PM   #13
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Insurance companies vary state to state just as much as anything else. Some states have VERY few choices for insurance, so its worth looking into before changing the title.
I made my first bus a "MH" or "RV", I can't remember which. Couldn't get insurance at all. period. That was in 2002-ish.
Now I own and drive TWO BUSES titled as buses, and am just happy to have that magic piece of paper know as an insurance card to make it legal to drive on public roads.
This is in FL, of course YMMV.

How are yours titled, Steve?
All of mine have been titled as RV's. State Farm has not given me any grief over insuring them as either an RV or as a commercial vehicle for personal use. They do require pictures of the completed conversion before switching the insurance from Commercial to RV.

I asked my Wife about this (30 years in the insurance industry) and she explained to me that national carriers like Progressive & State Farm will generally have a corporate policy when it comes to insuring certain types of vehicles. If they will insure it in one state then they will insure it in all states. UNLESS there are state regulations that prevent them from doing so. She said that some agents may choose not to write insurance on a particular type of vehicle though.
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Old 04-01-2017, 04:48 AM   #14
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I switched my other 2 trucks also so adding the bus only raised my insurance $8. I think I'm gonna be happy with what I got and lay low.
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Old 04-03-2017, 01:17 AM   #15
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Me too!!!

I just got a 81 international. Know close to nothing about it. It's already titled as mh. Does national take mh ? I'm in central. .. new port richey. Mine is gutted. I'm working on getting materials now.
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Old 04-03-2017, 01:23 AM   #16
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Hard to find anyone to insure a converted "MH" school bus here in FL.
Good Sam will do it, but as far as I can tell thats it.
Leaving it as is means Progressive and Allstate are easily obtainable.
You're right though- stuff varies from state to state.
I just got a bus titled mh. Trying to find insurance. Help! ? Is it better to leave as mh or change to bus? Please message I'm new!
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Old 04-03-2017, 07:45 AM   #17
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I am in Florida - I had the title changed to MH - and Allstate insured it - I had to call three different agents because the first one said (angrily) "We don't insure those kinds of vehicles!"... but the last one I talked with was fine - I told her exactly what I was doing - and was able to insure it with no issue.

I was not able to get a good deal with the tags - they would not put it in as a simple RV - mostly because of the weight - but it was not too bad.

-Roger


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I just got a bus titled mh. Trying to find insurance. Help! ? Is it better to leave as mh or change to bus? Please message I'm new!
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Old 04-03-2017, 08:03 AM   #18
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its definitely state to state as ive had state farm for my house and my cars, yet they wouldnt touch my busses.. no mstter what the agent did.. and state farm wouldnt touch my florida apartment for renters insurance.. yet others have state fasrm on their busses no issue..

insirance is totally risk based.. so my guess is theyve had a lot of issues here in ohio... good guess is because theres a lot of haphazard tailgating busses with all the various popular college and pro sports teams in this state.. and lots of farms.. perhaops they saw a lot of claims so said 'Nope'.. or possibly they feel that the regulations on what can be a personal vehicle without a CDL in ohio are too lax.. or what the law states the liabilities are of an insurance company during a claim..

it ALL comes down to whether that insurance company can make money as a whole on a particular class in a particular state.

-Christopher
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Old 04-03-2017, 08:05 AM   #19
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I just got a bus titled mh. Trying to find insurance. Help! ? Is it better to leave as mh or change to bus? Please message I'm new!
Have you actually converted the bus to a MH?
If so call up Good Sam Ins.
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Old 04-03-2017, 08:11 AM   #20
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I am in Florida - I had the title changed to MH - and Allstate insured it - I had to call three different agents because the first one said (angrily) "We don't insure those kinds of vehicles!"... but the last one I talked with was fine - I told her exactly what I was doing - and was able to insure it with no issue.

I was not able to get a good deal with the tags - they would not put it in as a simple RV - mostly because of the weight - but it was not too bad.

-Roger
My tags are regular, private tags. They charge me the same, roughly, as any car or truck I've owned.
But I leave mine titled as bus. IDK about motorhome tags at all.
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