Skycrath wrote:
Do you know if you can you get contents coverage if it doesn't meet the definition of an RV? Which insurance company do you use? I'm planning on adding a bed, but not any wiring or formal toilet with holdings tanks. My power source is going to be a Jackery with solar (or another comparable brand), toilet the bucket method, and showers at a gym. I'd rather dedicate the limited interior van space to a living area and storage. I actually lived in a tent full-time for a year, so I know I can easily do without a formal shower and kitchen area. But since everything I own is going to be in the van I'm definitely going to want some contents coverage, for theft and if things got damaged if I wan in an accident. And since the van is going to be new, I definitely will want vehicle comprehensive and collision. I don't think I'd be comfortable going without insurance.
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PastorCharlie wrote:
My coach is insured as a vehicle for the chassis and body and like a house for the contents, by the same insurance co. I once converted a van to a RV and DMV did the registration change. A RV requires a place to sleep, place to cook, and a toilet serviced by holding tanks.
Lot of Nomads use their cars, trucks and vans without the RV destination and probably have little or no insurance.
The insurance problem becomes real when there is an accident where someone is injured due to the fault of the vehicle owner.
I estimated my interior content cost for added living accessories and they insured for a dollar amount. My awning is also insured separately.
I have Farm Bureau Mutual Insurance. Check with your insurance agent and their underwriters may be able to write a policy to cover all your needs.
I think a porta potty is considered as a toilet due to it having a holding tank included which can be removed and dumped. I think a sink and food prep area is needed to qualify for a RV. I think a sink can be drained into a 5 gal. bucket. Different states will have different requirements I am sure.
The three things that are needed are a sleeping area, a toilet area and a food prep area.
