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Old 01-22-2019, 11:05 PM   #1
Mini-Skoolie
 
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Where to get skoolie insurance?

Hi all,

I called Geico today for a quote on a bus conversion insurance and they don't cover it.

Where could I get insurance for a 1968 GM Coach that has already been converted?

Thanks!
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Old 01-22-2019, 11:29 PM   #2
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Progressive. I think some have found it easier to go through an independent agent, who will most likely end up at Progressive, and not through Progressive directly.
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Old 01-23-2019, 07:10 AM   #3
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Originally Posted by blessed-adventurers View Post
Hi all,

I called Geico today for a quote on a bus conversion insurance and they don't cover it.

Where could I get insurance for a 1968 GM Coach that has already been converted?

Thanks!
try good sam
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Old 01-23-2019, 08:24 AM   #4
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im going through this rigmarole right now.

Allstate shot me down but called me back later and said they can see if they can underwrite it with a different company.

The bus was previously insured byt the P.O through Allstate and she said she had no trouble with them.

I used to have progressive, but my local Allstate agents are seriously so friendly and pleasant to work with I'd be hard pressed to switch or try someone different.

I'll let you know because i have to be insured by tomorrow.
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Old 01-23-2019, 11:07 AM   #5
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We just got a quote from Safeco through our agent. If we bundle our homeowners insurance with our auto, the bus portion of the policy is $120/yr. We saved some money on our homeowners, too. It probably helped that I am a licenced contractor and carpenter for 35 yrs and my son is a professional van converter, so I can say the bus is "professionly converted".
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Old 01-23-2019, 11:21 AM   #6
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try good sam
Good Sam does not do bus conversions. If you go to them, don't tell them it's a bus, just say RV, but they are probably going to figure it out because they ask way too many questions.
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Old 01-23-2019, 11:23 AM   #7
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We just got a quote from Safeco through our agent. If we bundle our homeowners insurance with our auto, the bus portion of the policy is $120/yr. We saved some money on our homeowners, too. It probably helped that I am a licenced contractor and carpenter for 35 yrs and my son is a professional van converter, so I can say the bus is "professionly converted".
I've heard other people use Safeco too. Unfortunately they don't operate in my state. But since I have a shortie that is built on a Ford Econoline chassis I am insured as a van through Liberty Mutual (switched from Progressive).
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Old 01-23-2019, 11:27 AM   #8
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I ended up with progressive through an independent agent.

Classified it as a covered flatbed hauler and had me insurance in 30 minutes.
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Old 01-23-2019, 11:44 AM   #9
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Good Sam does not do bus conversions. If you go to them, don't tell them it's a bus, just say RV, but they are probably going to figure it out because they ask way too many questions.
Well here in FL good sam insures converted school buses, coach buses, rv's, motorhomes etc.
its progressive who state "we do not insure converted school buses".
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Old 01-23-2019, 11:49 AM   #10
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Well here in FL good sam insures converted school buses, coach buses, rv's, motorhomes etc.
its progressive who state "we do not insure converted school buses".
That's weird because I called Good Sam's national number; they had no idea what state I lived in or anything because we never got that far. I asked them specifically if they cover converted school buses and the answer was a very decisive "No." I asked, "Not even if it's titled as an RV, since you are advertising RV coverage?" And they again said no. I don't think they operate in MA anyway so it didn't really matter for me. Otherwise i would have asked for a supervisor and gotten into it, because they sure SHOULD.
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Old 01-23-2019, 12:11 PM   #11
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That's weird because I called Good Sam's national number; they had no idea what state I lived in or anything because we never got that far. I asked them specifically if they cover converted school buses and the answer was a very decisive "No." I asked, "Not even if it's titled as an RV, since you are advertising RV coverage?" And they again said no. I don't think they operate in MA anyway so it didn't really matter for me. Otherwise i would have asked for a supervisor and gotten into it, because they sure SHOULD.
There are folks on here with good sam policies. Weird.
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Old 01-23-2019, 01:17 PM   #12
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Available coverage varies significantly by state and carrier.

I have had great success (3 Buses over 20+ years) with State Farm. Members in other states have reported that State Farm gave them an unflinching NO.

Let us know where you are located and maybe we can give more specific answers.
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Old 01-23-2019, 01:27 PM   #13
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I ended up with Progressive Commercial thru their web portal (believe it or not!). On my second year with them and no cancellation. However, my bus is a transit bus, not a true 'skoolie'. The bus was previously insured with Progressive Commercial, so that may be part of why mine was so easy.


I'd still recommend as others do finding a local agent and going that way....
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Old 01-23-2019, 01:30 PM   #14
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I ended up with Progressive Commercial thru their web portal (believe it or not!). On my second year with them and no cancellation. However, my bus is a transit bus, not a true 'skoolie'. The bus was previously insured with Progressive Commercial, so that may be part of why mine was so easy.


I'd still recommend as others do finding a local agent and going that way....
You probably got by because of that. They'll insure buses. But NOT school buses that are converted. But they will still insure it if its titled as a MH. I did this a few buses ago lol.
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Old 01-23-2019, 01:38 PM   #15
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I was told by (Allstate) that they could write a policy for my converted bus, but that in the event of claim the policy would deny paying anything.

So I'm like, "well that's no good."

It's likely that you got through the online forms and everything but that your policy wouldn't actually be valid in the event of an accident or a claim.
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Old 01-23-2019, 01:45 PM   #16
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I wouldn't expect much. Its just a piece of paper that makes you legal.
I got into a fender bender in my first school bus back in the day. Had insurance. They denied me any help and I payed around five grand for the accident.
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Old 01-23-2019, 02:00 PM   #17
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Depends on where you are located.

In FL, Progressive does not cover conversions. Allstate does
In CA, Progressive covers busses that are not converted under a Commercial Policy for Personal Use. Allstate covers conversions by "professionals". Farmers does not cover conversions, nor busses. Good Sam does not cover them (through General National).

It's important to state what state you are in so accurate information can be provided quickly.
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Old 01-23-2019, 05:27 PM   #18
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Hey, So following up from this morning.
I'M INSURED!

I got it through Allstate.

Originally they said they couldn't do it through their underwriting department. But the agent I was working with said he has been in the business for a long time and can see if there are other options available with a different underwriting department.

Shout out to member PUMPKIN who previously owned this bus and had it insured with Allstate, she called them directly and gave them the details of her old insurance policy.

After that they called me back and said everything is going through and wrote me the policy for 100,000 person and property damage, Liability only. ( They said I am not eligible for full coverage because the conversion was not done professionally, that's a bummer but O.K i guess )

My policy is only 380 $ a year, that's so awesome!

Hope you get it figured out.

+1 for Allstate in Utah being awesome!
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Old 01-23-2019, 06:15 PM   #19
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Congratulations!
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Old 01-23-2019, 08:06 PM   #20
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Thanks all for the tips. I think I'll try Allstate like JSNeeb. I'll update the post when I get insured.
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