What Kind of Insurance is Best for Van Life?

After investing countless hours into converting your van into a liveable space, your next step is to insure your van life in Laguna Beach. Finding insurance is unarguably the most unpleasant and complicated part of van life, but it’s absolutely necessary to pursue a successful van life. In the following guide, we go over the best insurance options for van life, as well as some tips on how to find the best insurance possible.

Best Insurance Options for Van Life

Aside from auto-insurance to insure the Sprinter van itself, there are many other components of your van that you’ll want to insure. Here are the primary insurance options for vanlife you should consider looking in to:

RV / Camper Van Insurance

A full-time, comprehensive recreational vehicle (RV) insurance plan usually covers the contents inside your van, accidents, theft, weather-related incidents, vandalism, and more. Make sure you find a plan that acknowledges your full-time residency.

Personal Property Insurance

In the case that anything were to happen to your van in San Juan Capistrano, like a fire, lightning strike, or burglary, it’s important to seek out personal property insurance. Personal property insurance covers all your belongings inside your van, including electronics (plug-in only), clothing, and any valuable items. Built-in appliances, like stoves, showers, may or may not be covered, and all depends on your type of insurance policy. 

Liability Insurance

Having liability insurance is crucial in the instance that you are at fault for an accident with your van. A liability insurance plan will cover any personal injuries, property damage, and medical expenses. A full-time RV insurance plan may also come with additional liability protection.

Tips on How to Get the Best Insurance

• Do your research. When looking for a company to insure your van in San Clemente, be sure to read the fine print of their coverage options. There are a lot of insurance companies that specialize in van life/van conversions. Always be sure to compare insurance plans by their costs, coverage, and reviews.

• Hold on to conversion records/receipts. Make sure you keep any receipts or records you have of conversions made by a professional upfitter. Insurance companies will often request an itemized list of what you’ve invested into your van.

1. Retitle your van as a camper van or RV. Retitling your van lets the state recognize your van as a RV/Camper van instead of a strict passenger vehicle. Doing this makes it easier to get an RV insurance or custom van policy.

Learn More About Van Life Insurance With Sprinter of Laguna Niguel

Finding the best insurance for your van life can be a stressful process to navigate. That’s why you can always confide in the finance and insurance experts at Sprinter of Laguna Niguel. Our team is here to answer any and all of your questions related to insuring your home on wheels. Contact us or call us at 949-693-4369 today.