Well, if it goes by VIN then it will definitely be classified as a regular van. Since everything I own is going to be in the van I'm definitely going to want some contents coverage, for theft or if things got damaged if I wan in an accident. I will have some higher ticket items inside (laptop, camera, frig, and the Jackery with solar setup is like $1600). And since the van is going to be new, I definitely will want vehicle comprehensive and collision.
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way2roll wrote:
Banks are required to have a physical address on file and as such have pretty good controls in place to know when an address is just for mail. Don't blame the banks however. Ever since the patriot act, the government requires financial institutions to screen customers and one of those things is the presence of a physical address. I know some folks on here have skirted that with various mail box drops, but that's the logic behind it. Can you use a family member or friend's address? I know you said you don't want to, but you may be shooting yourself in the foot if you don't. As far as insurance, does your carrier classify your van as an RV? I believe it goes by VIN. And what is the up side to insuring it as an RV? Would standard car insurance cover it or are there some higher value items (stove, tv etc) that would require additional insurance? In any case I think the insurance company is going to insure it based on the VIN classification. I think most people living in cars have bigger issues than whether their insurance company considers their car an RV. They don't BTW.
