Why is Finding Skoolie Insurance such a Headache?

You’re not alone. A common question I see on skoolie forums from new and veteran skoolie owners is how to get insurance on your school bus conversion in a specific state, whether it’s still titled as a commercial vehicle or as a motorhome. So, I decided to do create a state-by-state Skoolie Insurance Directory of North America! 

Table of Contents

I spent 10+ hours scouring skoolie forums and websites for personal recommendations from the skoolie community and reaching out to insurance agents across North America. 

My goal is that the Skoolie Insurance Directory will be a growing and reliable resource that provides helpful information to the school bus conversion community. 

We have insured our skoolie twice; once when it was titled as a commercial passenger vehicle and again after re-titling the bus into a motorhome in Florida. We purchased our bus from a school board in Tennesee then transported it to back to Florida with a gap insurance policy.

Add an Agent to the Skoolie Insurance Directory

To add your favorite skoolie-friendly insurance providers to the list, use this form or email me at hello@destinationunknown.life with the details.

What is included in the Skoolie Insurance Directory?

The directory is an easy-to-access resource filled with independent and commercial insurance agents from independent insurance brokerages and the usual commercial agencies across North America. Additionally, this resource will still be helpful, whether your bus is still registered as a commercial passenger or you’ve successfully converted the title to a motorhome. Finally, the information provided is listed state-by-state so you can quickly locate the best insurance provider for your place of residence. 

The directory provides the: 

• State
• Agent name and contact information
• Insurance company
• Type of vehicle being insured (RV, commercial passenger vehicle / bus)

Skoolie Insurance FAQs

Where can I find a skoolie insurance policy?

If you’re having difficulty finding an insurance policy for your school bus conversion when calling the main line from big chains like Progressive and State Farm, then I highly recommend working with an independent agent, specifically one recommended in the Skoolie Insurance Directory or a local brokerage. 

Oftentimes, when you’re working with someone in your community, they have a desire to help a neighbor and (most importantly) can shop across multiple insurance providers rather than just one. That saves you a whole bunch of time. Read my experience obtaining insurance on our skoolie RV in Florida here, including an example of our policy.

Can I get insurance on my school bus if it’s titled as a commercial vehicle?

Yes. A retired school bus is originally a commercial passenger vehicle. During it’s time of operating, it had an insurance policy and it can still obtain one, even after the bus is retired. 

If you are in the process of retitling and/or rebuilding your school bus conversion, then work with your insurance provider to bind a commercial vehicle policy. 

Another option is to find a short-term policy (aka. “gap”) policy to carry during the time that you’re renovating your rig. A gap policy can also be helpful if you purchase the bus out-of-state from your home location and you will transport it across state lines. Consult with your insurance agent on the best policy for you.

Can I get insurance on my school bus if it’s titled as a motorhome?

Yes. A retired school bus that has been re-titled as a motorhome or RV can obtain insurance. Different states and insurance providers have different requirements for what it takes to bind a motorhome policy. Nonetheless, there are several options available to you. Read this blog on how we easily insured our school bus RV in Florida.

Should I tell the Insurance Company that I own a Skoolie?

Yes, tell the insurance company that you own a skoolie. Firstly, once you provide the make, model and title, it is immediately obvious that you own a current or former commercial vehicle. Your goal in getting insurance is to insure your tiny home on wheels as either a commercial vehicle (if not titled as a motorhome) or as a motorhome (if it has been retitled as such).

Instead, work with a recommended insurance agent who can search for policies across multiple insurance providers and will come to bat for you with the underwriters.

For a list of recommended state-by-state skoolie insurance providers, download the Skoolie Insurance Directory.

Conclusion to Skoolie Insurance Directory of North America

I hope that this directory of Skoolie Insurance Providers in North America gives you peace of mind as you transition to bus life or try and scout our new providers for a better rate. 

If you like this post, then you may be interested in these other related posts:

• 70+ Skoolie-Friendly Campgrounds in North America
• 40+ Skoolie Builders
• Skoolie vs. RV
• Easily Insure your Skoolie in Florida
• Re-title your Skoolie to an RV in Florida

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