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Old 11-27-2015, 02:44 PM   #171
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They denied me, and I won't be fooled again.
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Old 11-27-2015, 05:09 PM   #172
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Quote:
Originally Posted by Seroflorus View Post
Anyone reading this now...just reread what Famousinternetjesus said...get insurance through an independent broker. You will likely end up with a business policy if the title still says 'bus'. After legal conversion, you can buy an additional policy to cover your own vehicle.

at last check $250/yr for liability coverage on our "House car" and $495/yr on the "bus" so its worth the conversion inspection. We're in WNC and use Appalachian Insurance, but they work through Strickland Insurance Brokers in Goldsboro, NC. 888-495-4950...call and they will be able to give the name of a local agent.
Western,n.c.? Talk to one nation under goat (fellow schoolie in your area )
I have nationwide with no issues (my wife and I have been covered by them for 20)
One nation had an issue but but might be able to give western nc advice
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Old 11-28-2015, 11:15 AM   #173
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Not skoolie related, but here is a good read on the morality of insurance companies(and I guess you could throw lawyers in there too)

PREMIUM FISHER | My Sister Paid Progressive Insurance to Defend Her...

I hate progressive to death, I despise the owner and his political leanings, but my local agent said they would be the only one to insure my stuff(bus included) at a reasonable amount. What's a person to do
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Old 01-23-2016, 05:07 PM   #174
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This is how I have reasonable skoolie liability insurance through Progressive. I've waited awhile to post this to see whether or not they were going to drop me. I started the policy in NW Wisconsin online and came up with two different quotes, one outrageous and one quite reasonable.
Note: This is Progressive Commercial and I have my skoolie titled as TRUK chassis, BUS model and registered as MOTOR HOME. I do not have my skoolie anywhere near complete and I can't change the title to Motor Home until it is complete.
To get the outrageous quote (thousands of dollars premium) I did this:
Business: Motor Carrier
Vehicle: Other/Bus
# of passengers: Seats have been removed
Business structure: Individual

To get the good quote of $407 a year (was a little less before I moved cities):
Business: Musician
Vehicle: Other/Bus
# of passengers: Seats have been removed
Business structure: Individual

When you complete the online quote, you have to call them and they go over the information. You can call them outright but they have to type everything in themselves. I think I may have gotten a newer representative as he had to ask customer service what exactly their cancellation policy was. He asked what my business was, and I told him that I was using the bus (never did I say "school bus") for private use. He then asked what it was going to be used for and I said that I use it for transporting instruments and as a practice space (I have a degree in music and do have instruments, so this wasn't entirely untrue). I was not asked for any business information.
Note: Comprehensive option is not available, this is liability only. I set up the policy a couple days before moving to SE Wisconsin in December 2015. To this date they haven't cancelled me and I actually just got my coverage changed over to "storage comprehensive" so I don't have to keep paying $40 a month for liability. The other option would be to cancel the policy and write a new one when I need it, but this way all I have to do is add the liability back on and I keep the policy number.
I hope this helps for someone, I think the trick would be to have the Business field relate to you somehow if in the event you had to prove you are using it for your stated purpose.
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Old 07-29-2016, 01:22 AM   #175
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Just talked to my insurance lady and had an "off the record" conversation (we go way back). Told her exactly what I was doing and she said she has a couple ways to "make sure I get at least liability insurance." she said the first one will probably be dropped in about a month. But I'm covered to get the bus home that I just purchased. She said as soon as I get it home, go to the town hall and register it as a motor home so I can get a title in the mail that says "motor Home". She said that will help a lot when she writes the second policy after the first (most likely) gets cancelled. So my plan is to hit the town hall and have my nice town hall lady push it through as a motor Home. I hope being on the planning board in my town will pay off with this one. I've had friends in maine that have buses converted to motorhomes with active insurance policies, so I know it's possible. Only time will tell. I'll keep you hooligans in the loop....
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Old 07-29-2016, 05:13 PM   #176
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I have liability only insurance through Allstate and it's only $14.42 a month. Your quote may differ somewhat based on age, location and driving record. It helps immensely if you have your bus titled as an RV to begin with.
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Old 07-30-2016, 01:55 AM   #177
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Little twist to the story. Picked up my bus today. The nice man said via email he had a clean title in hand. Turns out, he had a title that had been signed over to him by the school department. Since he never registered the bus, the title was still in his name on the back part where you sign. So now I have filled out the "double title" application and have to pay two title app fees. We will see if this throws a bunch of poop in my Cheerios when I go to the town hall tomorrow to register my bus as a motor Home. BUT, in a positive find on the maine DMV website tonight, the definition of "Motor Home" is: ""40. Motor home. "Motor home" means a motor vehicle that:
A. Is originally designed, reconstructed or permanently altered to provide facilities for human habitation; or [1993, c. 683, Pt. A, 2 (NEW); 1993, c. 683, Pt. B, 5 (AFF).]
B. Has a camper permanently attached to it. [1993, c. 683, Pt. A, 2 (NEW); 1993, c. 683, Pt. B, 5 (AFF).]
"Motor home" does not include a mobile home""

The important part being letter "A".... So i think I'll be good with the whole "use magic to turn a bus title into a motor Home title"..

Stay tuned..
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Old 07-31-2016, 02:33 AM   #178
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All registered and insured (for now). I'll post again when I get a cancellation notice...
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Old 08-04-2016, 08:57 AM   #179
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My progressive policy started at 8:01am ET
PROGRESSIVE listed it as a box truck for personal use, by VIN#

$179.00 a year equates to $14.91 a month

Arkansas previous owner transferred the title into his name listed as a bus.
I visited with my Oklahoma tag agent, and she said since it was an out of state vehicle... She'll title it as a RV.
Receiving Arkansas title Saturday, so Monday I'll be on the tag agent's front steps
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Old 08-04-2016, 09:00 AM   #180
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Quote:
Originally Posted by milkmania View Post
My progressive policy started at 8:01am ET
PROGRESSIVE listed it as a box truck for personal use, by VIN#
Nice. Hopefully it will stick and underwriting won't drop you.
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