insurance for a converted bus

[belfert]

I had no problems insuring my bus conversion with my regular policy through Secura.  The agent knows it is a bus conversion, but I'm not sure how it is noted on my policy.  I gave him the manufacturer, year, model, and VIN and it showed up on my policy.  I pay around $700 a year for liability, comp, and collision.  My insurance is expensive even with no accidents or tickets because I have maxed out all limits on my insurance and have umbrella liability.

[luvrbus]

every state must have different rules I started with John Miller before he passed away and I had to have photos and a appraisal.The underwriter stopped writing policy so I got a new carrier Progressive. changed agents went to AON same deal over again and I was placed with Progressive.a friend of mine a AAA agent told me he could save me some money and he did about 400.00 per year so i get another appraisal and the photos.get my new policy back Progressive again.               this 140.00 appraisal fee is getting old to get the same carrier each time

[HighTechRedneck]

every state must have different rules I started with John Miller before he passed away and I had to have photos and a appraisal.The underwriter stopped writing policy so I got a new carrier Progressive. changed agents went to AON same deal over again and I was placed with Progressive.a friend of mine a AAA agent told me he could save me some money and he did about 400.00 per year so i get another appraisal and the photos.get my new policy back Progressive again.               this 140.00 appraisal fee is getting old to get the same carrier each time

That would get old. But as long as you save more than $140 per iteration, I guess it is worth it.  But it seems like one appraisal good enough for the one, should be good enough for the next as long as no major damage or wear has been done in between.  Go figure.  The friend is probably cutting you a deal out of his margin.

[HB of CJ]

Yeah, Progressive.  $Expensive$, but doable.  They binded my empty shell with no problems with the understanding that I was doing all the work on the bus conversion.

[Danny]

I was only able to get libility until I get my bus finished.  At that point I will be able to go with full coverage.  The company is Farm Bureau.  I have other policies with them already, so that might have helped.

Danny

[gus]

redneck,

I suppose one could conjure up all kinds of potential problems but since I've been with this company over 50 yrs I'll not lose a lot of sleep over all those problems.

It wasn't too difficult for them to figure out by the year and model that it is a bus.

What I was trying to say all along, maybe not clearly, is that when you call the insurance company don't start out by saying you want to insure a bus.

[tekebird]

LOL thats what all the people on the gulf coast said right before the adjuster said here is 500.00 thanks for our business and by the way, we are no longer insuring you

[gus]

Doug,

They must have had State Farm or Allstate. Luckily I have neither.

Either one or both have been thrown out of MS for not paying claims and have lost some huge court cases.