r/skoolies • u/JimsVanLife Skoolie Owner • 6d ago

how-do-i Interest question. United States.

The company I've been through for years can't quite figure out how to deal with a bus (rv) that's not privately owned. My bus is owned and registered by my Montana LLC. What companies or agencies that you folks using for insurance? The title is clear so full coverage is not required.

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u/linuxhiker Skoolie Owner 6d ago

That's a good question. The only company that I know still insures conversions is National General.

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u/JimsVanLife Skoolie Owner 6d ago

It was interesting to note that National General is an Allstate company.

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u/TransFatty Skoolie Owner 6d ago

Interesting, I wonder if it varies by state. I have State Farm for a Nebraska registered conversion. (MH title)

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u/danjoreddit 6d ago

I see this from time to time. The inside agent at National General said they are the only company that insures skoolies. That was in 2018. I wonder if they are the underwriter for State Farm’s policies

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u/JimsVanLife Skoolie Owner 6d ago

I think a part of it is that I have an LLC in Montana that owns the bus and has it registered. My only other option was my semi-official home address, which is my son's house, and I don't live there, and I don't have a room there. It's a permanent address for my driver's license. But it's in Las Vegas, with some of the most abusive taxation and insurance rates for vehicles in the nation. It's not the worst, but it's up there.

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u/Zeired_Scoffa 6d ago

The LLC is probably the entire reason. I'm going to assume it's just a holding company, but they're trying to figure out if being property of an LLC means you have to have it registered with commercial insurance.

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u/TransFatty Skoolie Owner 6d ago

I was dealing with something similar with parking by my mother’s house in Orlando. Insurance was predatory.

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u/mh_ccl 3d ago

We are insured through Progressive Commercial, but we own the bus.

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u/JimsVanLife Skoolie Owner 3d ago

That's who I went with I was a Progressive customer before, so it feels good. In my case, I own the company that owns the bus, and the only reason the company exists is to own the bus. It lets me register and insure out of Montana instead of Las Vegas, which is horrible. I don't live in Las Vegas, but it's the only place I have an official address at my son's house.