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Old 04-13-2012, 11:51 AM   #1 (permalink)
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Insurance on Box Trucks?

I just bought a box truck to haul my Jeep, and eventually plan to add living quarters. Unfortunately my auto insurance company said the don't cover that category, so now I am on the hunt. I tried searching here, but didn't find much.

Anybody got any recommendations?
Larry
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Old 04-13-2012, 12:15 PM   #2 (permalink)
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Larry
may try the Escapee MDT/HDT forum :
http://www.rvnetwork.com/index.php?showforum=32
... and check out the "resources guide"

i`m not familiar with NJ requirements, but (if conversion is possible) hurry up on your living quarter installation/conversion and have the truck inspected & registered as an RV/moho. ... usually a moho status gets you the cheapest rates
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Old 04-13-2012, 01:01 PM   #3 (permalink)
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state farm had no problems insuring mine as a truck for personal use.

since I just found out that's what they were insuring as.

bonus is that after I told the agent it was legally titled as a motorhome he said that will drop the premium in half.
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Old 04-13-2012, 03:47 PM   #4 (permalink)
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thanks

Thanks guys-
That RV website looks like it has lots of good info - definitely going to be spending some time there. Unfortunately, the Resource Guiide is oriented to their Toters - RVs pulling Fifth Wheels. I called several of the insurance companies listed there, but they don't insure standalone trucks, only a truck pulling a trailer. When I heard that the first time, I thought the agent just had it wrong, but I got the same thing from a different company. That sure seems weird to me. A toter-home towing a fifth wheel is a better insurance risk than a straight truck? I don't get it.

The good news is that I got a call back from State Farm - the agent is pretty sure he can do it, just has to get the correct process. Thanks 'Manche! BTW - your thread was one of the things that got me into this - so it's all your fault! (I just hope mine can come out half as good....)
Larry

Last edited by fuzzy1; 04-13-2012 at 03:48 PM.
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Old 04-13-2012, 04:09 PM   #5 (permalink)
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i insure my truck through a company called Unitrin... via my AAA membership.

i don't have a box, but i don't think it matters. its a commercial policy and runs $800/year with 2 drivers and basic (for commercial size rig) coverage.
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Old 04-13-2012, 05:33 PM   #6 (permalink)
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Originally Posted by surveyboy View Post
i insure my truck through a company called Unitrin... via my AAA membership.

i don't have a box, but i don't think it matters. its a commercial policy and runs $800/year with 2 drivers and basic (for commercial size rig) coverage.
good lord.

even when state farm had mine insured as a box truck it was only 300 bucks a year.
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Old 04-13-2012, 09:02 PM   #7 (permalink)
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My KW registered as a motorhome with a 500 mile radius restriction was 800/yr.
But I had damn good "cargo" insurance! Not as much as you need for hauling "for hire", but much better than what Joe Shit the rag man gets for his pickup.
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