Toter Home Insurance

I have my 1994 Freightliner registered as an RV with no stove or water in it. I have insurance through State Farm on that as well as my trailer. They didn't seem to be worried about "RV Qualifications" as much as the personal vs commercial use. I think the only thing they wanted to confirm is there was no "fifth wheel" on it, which there isn't. They just asked me for a replacement cost, gave me my deductible options and away we went. I believe it is around $500 /yr which also includes any roadside emergency coverage.

 

Toterhome Insurance

Mike, I just bought a Freightliner Columbia Chassis toterhome back last October 2013. I had always used Good Sam Insurance for my previous RVs, regular diesel pusher motorhomes. When I bought the Freightliner Truck, the first question was; was it a fifth wheel or gooseneck? When I said no, they said good as that makes it commercial rates. My toterhome is considered an RV with my company because I have a bumper hitch trailer and no cut out for a gooseneck or fifth wheel on the rear. Anyway, Good Sam still did not want to insure it (they had never hear of a United Specialties Conversion) and their specialty company picked me up at about $1400.00 a year and I was glad to get coverage as I was in TX and need to drive to TN that night. This may not help much, but most of us have probably been real lucky until now with tighter underwriting by the insurance companies too! THANKS, Jim from TN
931-580-8804 or csmjimbkyle@bellsouth.net anytime

 

We have are semi through State farm. They insured it as a package with our trailer since the trailer has a lounge with a kitchen type area and bathroom and its used for our personal use. The only thing they told us do get in an accident hauling a different trailer as they will not cover it. Its a million dollar policy for under $800 a year. They also did my last two toters and one was gooseneck and one was fifth wheel.

 

Went round and round with progressive and a couple others. My State Farm guy I have now is awesome, no hassles except for when I maxed out the total number of vehicles I could have on one policy.

 

I have had my Peterbilt toter insured with Progressive for 7 years, with no problems at all. The policy covers the truck and trailer for $930/yr.
If you call and try to insure your toter as a truck, most insurance companies think it is a commercial vehicle. If your vehicle was registered as a commercial vehicle that a conversion was later done on, I believe it is still considered a commercial vehicle. My Pete was a toter since new and insurance was no problem.

 

They wouldn't accept it as an rv conversion unless it was done by an a approved company, even though I had converted the title to rv. Wouldn't insure it as a commercial vehicle unless I had a business... Hard to remember it all now, pretty frustrating. I actually drove it once when they told me it was all straightened out, then they called while I was going down the road and said they had changed their minds. To be fair, some of the problems were with a local agent with another company so who did what is a little blurred in my memory. I know the closest I ever came to getting a policy with either of them was about 5 times more than what State Farm charges.

 

banks

Had the same problems with banks also, most never heard of a toter dont know wether its commercial or rv, when you show them a picture they say oh yeah ive seen them on the interstate, but our underwriters think its a truck since has freightliner on title sorry.
Didnt have trouble with insurance except kinda of high, its with progressive, honestly i think its all in what person you get and what mood thier in
Don Nolan

 

Mike , check this thread out --

http://classicfunnycarboard.com/CFB/index.php/topic,25623.0.html

 

I'm not sure what states they do business in, but Farm Bureau, (Mountain West Farm Bureau in our area) was fantastic. I bought my toter 2 weeks before Hot Rod Reunion a couple years ago. I had Farmers at the time. He was having a hard time with the underwriters. The day before I left for CA, I called a guy (my neighbor) that was a MT West F B agent. Lest than 24 hours I had insurance on the toter, and everything else I owned transferred over to them. As long as the title says RV or Motorhome, It shouldn't be a problem. They never even asked about the hitch etc. Just looked at the registration and printed out a card. Never been happier with an insurance company. Good luck. Chuck

 

Farm bureau never asked any questions about mine either, took a few pictures and drove off.

 

Varies

Question differs largely based on your residence. All states have different laws regarding insurance. The best thing to do would be to go in and speak with individual agents about the break downs in their policy. In my experience State Farm is the best public insurance company to deal with and USAA if you have a connection to a former or active military member. Both companies are thorough and will typically give you the benefit of the doubt whereas Progressive and Geico I've seen really rake someone across the coals before they pay out anything.

Make sure you read the policy line by line as I've also seen a lot of misunderstanding in this arena.

Just a little advice from a guy that used to handle auto insurance claims.

 

what is elgible

As far as insurance companies go, many companies vary state by state.
My Experience with progressive is the toter homes and some combination RV are not eligible depending on how they hook up.
I know that in NY and I believe in all states they are eligible with Nationwide Insurances company they insure "toys" with, Allied. So look up a Nationwide agent and ask them to check.

 

I used progressive who asked the value, never asked about pictures and then sent over my policy online. Everything was done on the phone using the default contact number.

 

progressive

i bet they do not know what you they are insuring,
they are not eligible with them, at lest in NY.
you go on their rv site for a quote, toter home is not a choice only motor home when looking at description.
call them like you were a new customer, ask them if they will insure a toter home or a motor home with a fifth wheel
and see what they say. then let us know, it will be interesting.

 

If the toterhome is registered in you state as a motor home Progressive will insure it. My registration says rv on it. Peterbilt chassis with a 12' NRC conversion with 5th wheel hitch.It can not have a combination weight or other signs of a commercial vehicle. The title must also say motor home. I called Progressive to double check my policy and they said everything is ok. they also run the vin number to double check.

 

Titled as motor home so it is irrelevant.

 

Progressive RV insurance

Are you basing this knowledge on being an insurance agent for the company or working for the company?

What the DMV requires and say it is, is irrelevant to what is acceptable for an insurance company.

After reading this, if you have any questions feel free to ask.

NY DMV says you must have 4 of 6 items
Toilet with outside evacuation system
a/c and or heat
generator separate from the engine 110 V
potable water source water
refrigerator
cooking with an on board power source.

this information is available on my site, along with information on NOT being under DOT jurisdiction and how methanol is to be carried to be legal.
http://ppeddler.blogspot.com/2008/08/dot-info.html


This is a copy and print out of the Progressive underwriting Manual. Note that they require all of these items and the list is longer than the DMV

MOTOR HOMES (maximum va lue $500,000)
Motor Homes are motor vehicles designed to provide living quarters and
are permanently attached to a motor vehicle chassis or van.
Motor Home Requirements—ALL of the following must be permanently
installed facilities:
› cooking
› refrigeration
› sleeping
› bathroom facilities (built-in and plumbed)
› self-contained heating and/or air conditioning
› drinkable water supply system
› 110-125 volt electrical power system (including solar powered systems)

what configuration that is acceptable is done by photo's, it shows a school bus with the circle and line across it as not acceptable as an RV, it does show a toter home as acceptable, but does not show an option for a V pulling a trailer by fifth wheel, ball above the rear wheels, which tells me they would also not be acceptable, as it is not on the list of acceptable RV's.

When reading about Unacceptable RV, please note that toter homes and trailers are acceptable for hauling in a compartment, horses and ATV, which means HAULING A PULLING VEHICLE or RACE CAR IS UNACCEPTABLE!!!!! (OOPS FOR GOT THE RACE CAR)

Here is a list of what is not acceptable.

UNACCEPTABLE RVs
› School or transit buses (whether converted or not).
› Conversion vans (whether converted or not).
› RVs without the required “facilities.” See page 6 for details.
› RVs principally garaged/stored in Canada, District of Columbia, Hawaii, Mexico,
or Puerto Rico. Travel trailers garaged in Massachusetts. “Principally garaged” is
defined as at least six months in a given state or location.
Although we provide coverage for almost all risks, the following risks are not acceptable for our RV program (Motor Home and Travel Trailer):
DELETE? › Vehicles owned or leased by a partnership or corporation, unless always operated by
the named insured or a listed driver for pleasure; all drivers are listed on the policy;
no more than one such vehicle is owned or leased by the partnership or corporation;
and the partnership or corporation does not engage in a business of carrying persons
or property for compensation or a fee, or selling, renting, leasing, repairing, parking,
storing, servicing, delivering, or testing vehicles.
› Pickup trucks or other vehicles that carry campers or tow trailers.
› Stationary motor homes.
› Park models, mobile homes, and permanent stationary trailers. We will accept a tieddown
trailer as long as the insured is able to detach the tie-down without professional
assistance.
› Stationary trailers with any of the following conditions: not located in campgrounds
or RV park, have permanent utility hookups, have permanent structures attached, do
not have wheels, or have wheels that are deflated.
› Horse trailers or utility trailers are not acceptable. We will accept travel trailers,
fifth-wheels, and motor homes that contain a special compartment in the back to
transport horses or ATVs if the primary use of this unit is for recreational purposes
and it contains cooking and sleeping facilities.
› Motor homes and Heavy Duty Tow Vehicles that are the only vehicle in the household,
unless they have another vehicle registered for street use (this also applies for Full Timers).
› Any RV on consignment.
› RVs with more than two owners.
› RVs that are parked on commercial sites, including construction areas.

UNACCEPTABLE USAGE
› RVs used for any business or commercial purposes.
› RVs leased or rented to others by the insured.
› RVs used as a primary residence (EXCEPT when the Full Timer’s Package has been
purchased). See page 10 for more details.
› RVs taken to and from work or work locations (including touring entertainers, construction
workers, race car drivers, etc.).
› RVs used for racing/speed tests or in the direct support of racing activities.
› RV used for pickup or delivery of goods, limousine or taxi service, or emergency services.
› RVs used in the sport of ice fishing (except if garaging address is Minnesota,
Wisconsin, North Dakota, South Dakota or Michigan).