Specialized coverage for van lifers, RV travelers and mobile home dwellers across all 50 states. Protect your home on wheels with policies tailored to the nomadic lifestyle.
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Standard auto insurance doesn't cover your van as a home
Personal belongings have little to no coverage
Modifications and conversions often excluded
Coverage gaps when crossing state lines
Policies that cover both vehicle and residential use
Personal belongings coverage like homeowners insurance
Special coverage for modifications and conversions
Nationwide coverage across all 50 states
Our policies are designed specifically for the unique needs of full-time van and RV dwellers
Full-time Van Lifer
"After struggling to find coverage that understood my nomadic lifestyle, VanLifeInsurance.com provided perfect protection for both my van and all my belongings. When I had an accident in Utah, their roadside assistance got me to a qualified repair shop 150 miles away."
RV Travelers
"We've been through 3 insurance companies in 2 years before finding VanLifeInsurance.com. Finally, a policy that covers our solar setup, water system, and all our gear no matter which state we're in. Their claims process was surprisingly easy when we needed it."
Full-time van lifers, RV dwellers, and mobile home travelers typically need several specialized insurance coverages:- Full-Time RV/Van Insurance (not standard auto insurance)- Personal Belongings Coverage- Medical Payments Coverage- Emergency Expense Coverage- Liability Insurance- Comprehensive and Collision Coverage- Uninsured/Underinsured Motorist Protection- Roadside Assistance
At VanLifeInsurance.com, we understand the nomadic lifestyle and provide comprehensive insurance packages that protect both your home on wheels and your belongings across all 50 states, ensuring you're never without coverage no matter where your journey takes you.
Standard auto insurance isn't designed for vehicles that serve as primary residences. Van life insurance differs in several critical ways:- Covers personal belongings inside your van/RV (similar to homeowners insurance)- Provides higher liability limits appropriate for a combined home/vehicle- Includes emergency expense coverage for temporary accommodations if your van is damaged- Offers specialized coverage for built-in components (solar systems, water tanks, etc.)- Can include coverage for modifications and conversions- Designed with full-time occupancy in mind
VanLifeInsurance.com specializes in policies specifically structured for people who live in their vehicles full-time, addressing both the automotive and residential aspects of van life.
Yes! One of the key benefits of VanLifeInsurance.com policies is nationwide coverage across all 50 states. Unlike many insurance providers who limit coverage to certain regions or require policy updates when crossing state lines, our policies are specifically designed for travelers who:- Frequently cross state lines- May stay in different states for extended periods- Follow seasonal migration patterns- Explore remote areas and national parks- Travel without a predetermined itinerary
Our nationwide coverage ensures you're protected no matter where your journey takes you, from the beaches of California to the forests of Maine, without worrying about coverage gaps or policy adjustments as you travel.
While most insurance companies require a permanent physical address, VanLifeInsurance.com understands the unique needs of the nomadic community. We offer several solutions:- Use of mail forwarding services designed for full-time travelers- Domicile state solutions (popular in South Dakota, Florida, or Texas)- Family address options with proper documentation- Virtual mailbox services in your state of domicile
Our agents are experienced in working with full-time travelers and can guide you through establishing a proper domicile that satisfies insurance requirements while maintaining your mobile lifestyle.
The cost of van life insurance varies based on several factors:- Type and value of your vehicle (converted van, class B RV, skoolie, etc.)- Value of personal belongings being covered- Your driving history and experience- State of domicile/registration- Coverage limits selected- Security features installed- Age and condition of the vehicle- Custom modifications and their value
At VanLifeInsurance.com, policies typically range from $1,000-$2,500 annually for converted vans and $1,500-$3,500 for larger RVs with full-time coverage. We work with multiple carriers specializing in nomadic lifestyles to find the most competitive rates for your specific setup.
Yes, VanLifeInsurance.com offers specialized coverage for van conversions and modifications, which many standard insurers exclude. Our policies can cover:- Custom cabinetry and built-ins- Solar power systems- Water tanks and plumbing- Electrical systems- Roof racks and accessories- Permanent fixtures and appliances- Upgraded components- Custom beds and furniture
To ensure proper coverage, we recommend documenting all modifications with photos, receipts, and valuations. Our agents will help you determine appropriate coverage limits for your specific conversion.
VanLifeInsurance.com policies include personal belongings coverage specifically designed for the van life community. This coverage protects items such as:- Clothing and personal effects- Electronics (laptops, cameras, phones)- Cooking equipment- Outdoor gear (bikes, surfboards, climbing equipment)- Furniture not permanently attached- Tools and equipment- Musical instruments- Other personal possessions
Unlike standard auto insurance, which typically offers minimal to no coverage for personal items, our policies treat your van as both a vehicle and a home, providing appropriate protection for your possessions.
If you occasionally rent your van through sharing platforms like Outdoorsy or RVshare, your insurance needs become more complex. VanLifeInsurance.com offers:- Policies that allow for limited commercial use- Gap coverage options when platform insurance is insufficient- Clear guidance on when your personal policy applies vs. platform coverage- Options for hybrid personal/commercial coverage
Be aware that most standard policies exclude commercial use entirely. Always disclose rental activities to your VanLifeInsurance.com agent to ensure appropriate coverage is in place.
Yes! VanLifeInsurance.com policies cover your van or RV regardless of where you're parked or camping, including:- BLM (Bureau of Land Management) land- National Forests- Dispersed camping areas- Walmart parking lots and other overnight parking options- Campgrounds and RV parks- Urban and street parking (where legal)- Remote and off-grid locations
Our coverage doesn't restrict where you can travel or stay, giving you the freedom to explore without worrying about insurance limitations.
Our policies include enhanced roadside assistance and emergency expense coverage specifically designed for van lifers who often travel in remote areas:- Towing to the nearest qualified repair facility, with extended mileage allowances- Emergency accommodation reimbursement while your vehicle is being repaired- Winching and extraction services for off-road situations- On-site mechanical assistance- Fuel delivery and battery jump-start services- Lockout assistance- Tire change and repair
VanLifeInsurance.com understands that van lifers often travel well beyond the reach of standard roadside assistance, and our coverage reflects that reality.
VanLifeInsurance.com offers options for international travel coverage:- Standard coverage includes Canada- Mexico coverage available as an endorsement or separate policy- Specific coverage limitations and requirements for each country- Emergency assistance services that work internationally
Be sure to request international coverage before crossing borders, as requirements and limitations vary. Our agents can help you understand exactly what's covered in each country and what additional documentation you might need.
VanLifeInsurance.com policies offer flexible driver options:- Named insured and resident relatives typically covered- Options for adding occasional drivers temporarily- Coverage for permissive use by friends or family- Clear guidelines on who can drive and under what circumstances
Unlike some policies that strictly limit drivers, we understand that van life sometimes involves shared driving responsibilities, especially on long journeys.
VanLifeInsurance.com offers multiple ways to file claims, designed with remote travelers in mind:- 24/7 mobile claims reporting through our app (works with limited connectivity)- Offline claim form submission when back in service range- Phone claims reporting via satellite phone if available- Flexible documentation requirements considering limited resources- Claims adjusters who understand van life circumstances
We understand that accidents don't always happen near service centers, and our claims process is designed to accommodate the realities of remote travel.
Yes, VanLifeInsurance.com understands that many van lifers work remotely. Our policies cover:- Remote work equipment like computers and mobile offices- Business equipment up to specified limits- Personal liability while working from your van
However, if you conduct business that involves clients visiting your van or use your van specifically for commercial purposes (beyond remote work), additional commercial coverage may be required. Our agents can help determine if your work situation requires additional protection.
VanLifeInsurance.com offers several advantages over standard insurance providers:1. Specialized understanding of the nomadic lifestyle and unique van life needs2. Nationwide coverage without geographical restrictions across all 50 states3. Relationships with insurance carriers who specifically accept full-time vehicle dwellers4. Knowledge of domicile solutions and address requirements for nomads5. Coverage for conversions and modifications that standard insurers often exclude6. Community focus with agents who often live or have lived the van life themselves7. Flexible policies that accommodate the unpredictable nature of mobile living
Our specialized focus means we can often secure better coverage at more competitive rates than general agencies who may not understand or even be willing to insure the van life lifestyle.
This is a common concern for long-term travelers. VanLifeInsurance.com specializes in solutions for clients with:- Multiple state driver's licenses in their history- Gaps in continuous insurance coverage due to international travel- Recently established domicile in a new state- Limited prior insurance history due to previously not owning a vehicle
Our agents understand these unique situations and work with carriers who are flexible regarding nomadic lifestyles rather than requiring the same stability expected of traditional homeowners.
To get a quote from VanLifeInsurance.com, prepare the following information:- Vehicle details (year, make, model, VIN)- Photos of your van/RV and any conversions- Approximate value of the vehicle and conversions- Estimated value of personal belongings- Your domicile address- Driving history- Typical travel patterns and states you frequent- Security features installed- Details of built-in systems (electrical, plumbing, propane, etc.)
The more information you provide, the more accurate your quote will be. Our agents understand the unique nature of converted vans and can help you determine appropriate values and coverage levels.
Our specialists understand van life and will help you get the right coverage at the best price.
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Agents who understand van life