^Interesting. But yes each state has its own insurance laws and how they enforce them.
For example Florida is far more stringent than WA, yet seemingly less expensive (comparing 1 vehicle whether to keep it licensed and insured here or there).
And then the price varies by location and risk.
But it would make little sense to license and register the OPs vehicle as a RV here (he lives here) as licensing fees are all reasonable, unless the insurance was cheaper.
Doubt he’s getting a stated value policy to cover the diy buildout, as that would be difficult and wouldn’t be worthwhile unless he did a very complete and professional buildout and had a lot of big $ components sunk into it.
Of course by law, shouldn’t be using a RV plated vehicle as a DD either. But up here, the fact that he’s insuring it which alludes to also titling and licensing it puts him ahead of 99% of the motorhomeless vehicle drivers and he’d never get hasseled for it. Not under the current state administration anyways…
