SteveB
Hi! I just bought myself a 2007 Ford E250 cargo van and am in the process of making it livable. The problem I've run into is that several auto insurance companies, upon finding out that I will be living in it, will not insure it. I explain to them that it's not an RV because I will not have plumbing, but they still don't want to cover it.

One option I've been told is to simply not tell them I will be living in it and instead just add it as a personal vehicle. I'm nervous, though, that if I were to get into an accident they would then not cover it upon finding out what it is.

Any suggestions?

Thanks!
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jasonodom
I would never claim to "live" in a vehicle to anyone unless absolutely necessary. Read the DISCRETION chapter of Vanabode again. We don't LIVE in houses, vehicles, or condos. We LIVE in our bodies but the rest of the world does not understand that. Meantime your Van is a passenger vehicle and nothing more. That is one of the many reasons why everything in our van can be removed in an hour if we needed it to. Call them back and get normal insurance on your vehicle.
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SteveB
Thanks for the response - that seems to be what most people are doing (just not telling the insurance company that they will be living in the van). I'm ok with that, but I'm still nervous about one thing. When adding the van to my policy, I mentioned that the van does not have any body modifications. However, I will be adding a roof vent as well as mounting the batteries below the vehicle (which means cutting into the floor of the cargo area). I'd hate to need my insurance but they don't end up covering me due to these modifications.

Does anyone have any experience with this? Thanks!
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