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Old 12-01-2015, 03:15 PM   #1
OMGIBoughtABus's Avatar
Join Date: Aug 2015
Location: The Lovely PNW
Posts: 145
Year: 1986
Coachwork: Thomas
Chassis: Saf-T-Liner
Engine: Cat 3208
Rated Cap: 84 px
Homeowner's insurance for a bus?

My plan long term is to live in my bus full time in a static location. I'm not so concerned with damage to the bus as I am with the contents of the bus.

Does anyone have experience with insuring your bus as your home or is property loss (fire, theft, natural disasters etc) just the cost of choosing a skoolie lifestyle?

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Old 12-01-2015, 03:28 PM   #2
Bus Crazy
roach711's Avatar
Join Date: May 2010
Location: Farmington Hills, Mi (Detroit area)
Posts: 1,966
Year: 2000
Coachwork: Eldorado Aerotech 24'
Chassis: Ford E-450 Cutaway Bus
Engine: 7.3L Powerstroke
Rated Cap: 19
Not sure homeowners is even an option for a vehicle. Once my vehicles reach ten years old I drop my collision insurance. You have to think about the actual worth of what you're insuring compared to the cost to insure it. Often, you can save money by not insuring even if you do someday have a loss.
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Old 12-01-2015, 03:39 PM   #3
Bus Geek
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Join Date: Mar 2011
Location: Houston, Texas
Posts: 8,462
Year: 1946
Coachwork: Chevrolet/Wayne
Chassis: 1- 1/2 ton
Engine: Cummins 4BT
Rated Cap: 15
Many home owner policies have a rider available that will cover the contents of a travel trailer or RV.
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Old 12-01-2015, 04:49 PM   #4
Bus Nut
Join Date: Aug 2015
Posts: 308
You are looking for what is known as full timers insurance, with a skoolie... good luck. Reason number 1 I plan on getting a motor coach to convert.
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