Originally Posted by Jamie23
I'm going to buy a bus and need to get insurance, do I need to get the title changed to an rv title? My insurance company said it needs to be done by a professional to be insured as a rv. Also does having your bus insured as a rv is your belongings inside covered? And does anyone know what this process is like for North Dakota?
You would need to get the rv title if it was an rv. It's not an rv yet. It's a bus, or a van or whatever you can get it titled as. The rules are different in every state so you've go to go to your own dmv and ask questions.
For your insurance questions, I'm sure your insurance agent can answer those questions better than I can. Remember this phrase; "a commercial policy for private use". It's not all that expensive but it is usually just liability. It's likely you'll get hooded up through Progressive. Don't call them directly unless you want disappointment. Go to an independent isurance agent. The mom and pop insurance place, usually in an old house or something. They do all the searching for you.
Yes, the insurance companies want you to take your bus to a coach builder that will charge you an arm and a leg to convert you bus. Some people do that. The rest of us get a bus licensed and insured first. Build what you want, then later get it insured somewhere else as an RV when it's a real RV.
What your insurance policy actually covers is between you and your insurer.