Tom& Posted February 18, 2015 Report Share Posted February 18, 2015 This may have been discussed, but I can't find it. I have been trying to get a lower quote on insurance and most companies won't insure my vnl730 as a MH because I don't have a plumbed perminate toilet. My HDT is registered and titled in my state as a MH. The only quote I have gotten is to insure it commercially, my question is if I go with commercial insurance will I have problems down the line like crossing international borders or if stopped for any reason by a LEO, I do not have a CDL, and don't want one. Link to comment Share on other sites More sharing options...
SuiteSuccess Posted February 18, 2015 Report Share Posted February 18, 2015 Try Blue Sky Insurance. However, not available in all states. Link to comment Share on other sites More sharing options...
CrazyCooter Posted February 18, 2015 Report Share Posted February 18, 2015 http://www.hhrvresource.com/node/56 Link to comment Share on other sites More sharing options...
Tom& Posted February 18, 2015 Author Report Share Posted February 18, 2015 I should have noted that I live in Alaska, no Blue Sky here and some others, have contacted most of the companies on resource page and no go or commercial only. Link to comment Share on other sites More sharing options...
SuiteSuccess Posted February 18, 2015 Report Share Posted February 18, 2015 Maybe Big5er will chime in because he is more of an expert on what LEOs might think. In my mind would think your truck being registered as a Motorhome carries more weight than the type of insurance. Just my opinion only. Link to comment Share on other sites More sharing options...
jtr Posted February 18, 2015 Report Share Posted February 18, 2015 I'm interested too. My truck is registered as private truck but my policy is commercial and about $1000 per year. It was the only way the local agent could write it for such a heavy rig. Link to comment Share on other sites More sharing options...
Big5er Posted February 19, 2015 Report Share Posted February 19, 2015 My only question is did they really "ask" if you had a toilet? I know it can be hard to find insurance, but I would keep calling around. I had several "agents" that said it couldn't be done, only to find other agents with the same company that could get it done. Your truck is legally registered as a motorhome. "What kind" of toilet it has seems to me to be irrelevant. I know an insurance underwriter has the upper hand but I would continue to say that it is a "motorhome" and tell them the type of amenities aren't an issue. Try a different agent, different company, etc. Â As far as what "type" of policy you have, most LEO's look at the vehicle covered and the expiration date on the card. I don't know about Alaska, but down here the cards aren't stamped "COMMERCIAL" in big red letters. Â I'm paying $1000 for truck (agreed value), full-timers insurance on my trailer. Link to comment Share on other sites More sharing options...
Tom& Posted February 19, 2015 Author Report Share Posted February 19, 2015 Thanks everyone for the response, yes 5er I had 3 ask that question about the toilet and running water plumbed in. I will keep on trying of course, guess I was hopeing someone might convince me that commercial insurance was ok. Link to comment Share on other sites More sharing options...
Raquel Posted February 19, 2015 Report Share Posted February 19, 2015 I got insurance from our Allstate agent before I even had the registration all taken care of here in California. At one time when California forced us to register "commercial", our agent still kept us insured as an MH. We have no running water and have a Porta-Potty. Link to comment Share on other sites More sharing options...
dvision Posted February 21, 2015 Report Share Posted February 21, 2015 I would take the approach when you are calling around that you are looking for insurance for everything you own, not just MH. Commercial insurance is expensive and not required. They might have insurance for a vehicle that does not qualify as MH like a converted school bus. Link to comment Share on other sites More sharing options...
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