Insurance for pre-conversion

[rollinhome]

hello fellow conversionists, my insurance experience is with progressive. confirmed coverage and cost, providing vin when shopping, before i purchased a freightliner stepvan (22'), with cummins/allison. confirmed again and purchased coverage for said van only to receive a cancellation notice by the time i had transported it home. in fairness the agent sends the policy to underwriters for final confirmation. it does seem like the agent should know more than the two different agents i spoke to.
further inquiry determined that progressive wants to see pictures of the van with: additional heat system, toilet, running water, cooking with microwave and 110 electricity components. i did find expensive coverage (not yet purchased)with my personal carrier, state farm, though continue to search for a more reasonable premium. good sam and several others want similar confirmation pictures of a mostly converted rv.  i have a quote request in with another state farm agent to see if they can write it any cheaper. a previous writer here said they pay 112/yr with state farm. i have been quoted 478/6 mo. i would pay the higher rate to acquire coverage until conversion is complete though 478/6 mo seems like gouging.