In CA I just had to go to a highway patrol office. We converted an ambulance to an Rv. He just came out and looked at it and signed a paper that I had to return to the dmv. I think you can do this at the dmv office with an inspection from a dmv worker but there was some problem with my vin.
10:39 PM Nov 14, 2018
Our original insurance dropped us because of the conversion so we did some research and found the one company that actually covers custom van conversions and full time living in them. Our insurance is through National General and we put a cash value on the van and our posessions. They approved and we now pay a fair price each 6 months for it. No title change needed!
10:47 PM Nov 14, 2018
@ramblin_randi_jo something tells me it’s not that easy where we are registered lol but I have heard some states require hardly anything. So lucky!
10:49 PM Nov 14, 2018
@roaminginavan that sounds pretty awesome! How have they treated you like have you had any claims? and what state are you in?
10:56 PM Nov 14, 2018
@_onthehorizon We're in WA state, and no claims yet (other than our windshield). Its the only place we could find that would do it, and so far so good.
10:58 PM Nov 14, 2018
@roaminginavan well that’s really awesome I’m happy someone has a success story lol! And thanks for the info im guna check em out for sure!
In Kansas we have to have a built in cooking surface to be considered an RV. We put full coverage, which won’t cover much since it’s a 1990 and we will continue to carry homeowners/rental insurance that will cover the contents. I’m still looking for better options. We’re with State Farm since we’ve used them for 20 years.
@_onthehorizon the homeowners or rental insurance actually covers the contents of our home plus the contents of our vehicles. Once we are full time and no longer own a house or rent we are hoping to rent “mother in law quarters” at our parents home in Florida and fingers crossed the same rules apply. But then again maybe it will be unnecessary depending on what the rv requirements are in Florida...I think it’s funny how much they vary from state to state.
4:40 AM Nov 15, 2018
@karen_rob_road_2_freedom that’s awesome. As long as you’re “renting” somewhere I’m sure it’ll apply. I know it’s insane how different all the state laws are 🙄
We’ve found it can vary depending on the state it’s registered in, the insurance company, and whether it’s being used for vacations or actually residing in. Recently someone told us that State Farm let’s them insure the van as a van, then they added $15,000 of additional coverage for their “build”, then they insure their belongings (cameras, clothes, etc) under a renter’s policy tied to a family member’s house.
6:36 PM Nov 15, 2018
I am currently trying to figure this out. lol Perfect timing.
Never even focused on that part. We converted our van and typically stay 2-4 months a year in it. We did ours on the cheap so if the van was a total loss our insurance coverage would be adequate. Anyone going to be at this years RTR?!?!
3:39 AM Nov 16, 2018
@married2adventure so you didn’t tell your insurance company that it’s converted? They likely wouldn’t cover anything then.
4:29 AM Nov 16, 2018
12:14 PM Nov 16, 2018
Amazing view and van 😍⛰🚐
1:16 PM Nov 16, 2018
@_onthehorizon there is a really good thread on “cheap_rv_living” about this same topic. Keep on traveling!!!