I just got off the phone with Good Sams (GMAC), Progressive and RV America. No one will insure a DIY rig as an RV. It has nothing at all to do with how it's registered with the DMV. It makes perfect sense, really. Once an unlicensed person with no obligation what-so-ever to adhere to national RV safety codes goes in there and starts messing with things that produce flames and high voltages - all bets are off. I highly doubt such a policy has ever been issued - and if it was, it was probably a mistake. They'll all do basic liability - but no comp. I was told by a few to look into "stated value", but I doubt the cost of such a policy goes in the right direction - State Farm agent said it ads cost on top of existing policy.
Meanwhile I'm at State Farm - just got my 6 month statement - $230 - includes towing and roadside, 100% glass, 500/1k deductables, yada. It's fine. My best case would probably be in the neighborhood of $250 a year - a quote I heard from my agent to insure a 90's Roadtrek class B.
According to Good Sams, #1 claim is tire blowouts, #2 is refrigerator and propane fires...
Meanwhile I'm at State Farm - just got my 6 month statement - $230 - includes towing and roadside, 100% glass, 500/1k deductables, yada. It's fine. My best case would probably be in the neighborhood of $250 a year - a quote I heard from my agent to insure a 90's Roadtrek class B.
According to Good Sams, #1 claim is tire blowouts, #2 is refrigerator and propane fires...
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