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Old 05-03-2020, 12:17 PM   #1
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Join Date: May 2020
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Renovations & Homeowners Ins. Questions

Hi everyone,

Hopefully this is the right place to ask, but I'm a little stumped and need some help! Long time lurker, first time poster... Sorta long-winded question so thanks for bearing with me...

So I'm in Indianapolis and I purchased a bus back in Nov 2019. It is already titled as an RV by the state, its basically livable (needs some light electric work and water line work) and it was formerly insured at one point by the previous owner, so all of that seems fine.

From the time we bought it until now its been in the shop. We found a guy who could do some work on it and store it for us for a while, but it's time to get it moved. Due to COVID-19 our original plan of buying property to store/work on it fell through.

So now to the question: We have to store this thing on a property that is not ours (all of our options are very rural, lots of land). If we work on it while it's stored is the homeowner at risk of losing their homeowners ins or at any kind of legal risk? I would assume that by working on it we lose our insurance on the bus itself, but does that affect the person who's land it lives on?

And just to note, we aren't talking huge renovations here. Mostly fixing some wiring, getting water hooked up, rearranging the layout, etc.

Last thing we want to do is get it confiscated or cause the homeowner harm by making renovations. Looking for advice from anyone who's been in a similar situation.
tc36 is offline   Reply With Quote
Old 05-04-2020, 01:29 AM   #2
Bus Geek
 
Join Date: Sep 2015
Posts: 2,741
Year: 2002
Coachwork: Thomas Built Bus
Chassis: Freightliner FS65
Engine: Caterpillar 3126E Diesel
Rated Cap: 71 Passenger- 30,000 lbs.
Talk to your insurance agent.
Native is offline   Reply With Quote
Old 05-04-2020, 10:15 PM   #3
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Join Date: May 2016
Location: Eastern WA
Posts: 6,322
Year: 2002
Coachwork: Bluebird
Chassis: All American RE (A3RE)
Engine: Cummins ISC (8.3)
Rated Cap: 72
Quote:
Originally Posted by Native View Post
Talk to your insurance agent.
Good advice.
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