Skoolie coverage

Skoolie coverage is a specialized form of RV insurance that protects converted school buses used as motorhomes. Insurers like Progressive and National General offer Skoolie policies that cover liability, collision, and comprehensive damages, as stated by Your Insurance Info.

Most providers require proof of professional or documented DIY conversion before issuing Skoolie coverage. Policies typically exclude commercial use, so using your Skoolie for business voids protection.

Average annual premiums for Skoolie insurance range from $1,000 to $2,500 depending on value and usage (2023 data: Progressive). Coverage limits often mirror standard RV insurance with options up to $500,000 in liability per incident.

Common exclusions include wear-and-tear, intentional damage, and unapproved modifications such as uncertified wood stoves or solar systems. Claims processes usually require detailed photos of the conversion and receipts for upgrades to validate replacement costs.