Best Insurance for Van Conversions: An Honest 2026 Comparison

If you own a converted van — or you’re about to — you’ve probably already discovered that insuring it is harder than insuring a regular vehicle. Call your current auto carrier and you’ll usually get one of three answers: a confused agent, a flat “we don’t do those,” or a policy that quietly covers a fraction of what your build is actually worth.

The good news is that the market has changed a lot in the last three years. Roamly exists now. Progressive reversed course on DIY conversions in November 2023. Good Sam’s policies (underwritten by National General, now an Allstate subsidiary as of January 4, 2021) have gotten more flexible. State Farm is still a wildcard, but a useful one.

The bad news is that most of the “best insurance for van conversions” articles you’ll find online are two to four years old and push you toward whichever company is paying them the highest affiliate commission. This isn’t that. Below is an honest, up-to-date comparison of the four carriers that will actually cover a converted van in 2026, what each one costs, and how to pick the right one for your situation. Every specific claim in this article links to a primary source — carrier documentation, press releases, underwriting guides, or owner reports on named forums.

Why van conversion insurance is its own category

A standard auto policy covers the vehicle shell and drivetrain. That’s it. If you’ve spent $40,000 turning a Sprinter into a rolling apartment and your van gets totaled, a standard auto policy pays out the cargo van value — maybe $25,000 — and nothing for the build. The cabinetry, solar system, batteries, appliances, flooring, and interior buildout are invisible to the underwriter.

RV or motorhome insurance treats the vehicle as a combined asset: base vehicle plus conversion. When it’s done right, the policy covers the full replacement value of everything that’s been permanently installed. That’s the entire point of insuring a van conversion as an RV instead of as a van.

The catch is that most insurers won’t classify a van as an RV unless the conversion meets their requirements. Those requirements vary by carrier, but they tend to converge on the same checklist: permanently installed cooking facilities, refrigeration, sleeping quarters, self-contained heating or air conditioning, a drinkable water supply, and a 110–125-volt electrical system (including solar). Both Progressive and the National General Countrywide RV Underwriting Guide (which underwrites Good Sam) require every item on that list. Good Sam goes one step further and also requires a bathroom with indoor plumbing. Some carriers will accept less. The comparison below breaks it down carrier by carrier.

The honest comparison grid

Carrier	Covers DIY?	Covers Professional?	Full-Timer Available?	Rental Income (Outdoorsy/RVshare)?	States
Roamly	Yes (explicit)	Yes	Yes	Yes	All US except HI, DC
Progressive	Yes (since Nov 2023)	Yes	Yes	No	All US except HI, DC
Good Sam / National General	Yes (with photos + permanent systems)	Yes	Yes	No	All US except California (Class B)
State Farm	Case-by-case (agent-dependent)	Yes	Varies	No	All US

Every carrier in the table will insure your van conversion in some form. The differences show up in the details: who specializes in this, who’s easiest to work with, who’s cheapest, and who pays out the most when something goes wrong.

Roamly

Best for: Full-time van lifers, DIY builders, and anyone renting their van on Outdoorsy. For a deeper look at the product, see the full Roamly carrier review.

Roamly is the only carrier on this list that was built specifically for converted vans and RVs. Its parent company is Outdoorsy, the peer-to-peer RV rental platform, and its entire product exists to solve the insurance problem for people whose rigs don’t fit neatly into a traditional auto or RV category. Roamly is licensed as an agency in every state where it operates, and it places policies through a panel of underwriters — Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance Company, Foremost Insurance Company, National General Insurance, and Mobilitas Insurance Company, among others — which lets it match your situation to the carrier most likely to cover it at the best rate.

What’s covered

Roamly’s camper van policy includes the usual liability, comprehensive, and collision, plus several endorsements that matter for van conversions:

Personal effects / contents coverage. Roamly publishes full replacement cost coverage for personal belongings up to $3,000. This is the base figure on the published policy and can be increased as a scheduled add-on.
Emergency expense coverage. Pays up to $750 for hotel and travel costs if your campervan breaks down more than 50 miles from home. This is the same $750 / 50-mile structure Progressive and National General use — it’s the baseline across the Class B market, not a Roamly advantage.
Vacation liability. Covers injuries in or around the parked van while it’s being used as temporary lodging. Roamly describes this as optional add-on coverage but does not publish a dollar cap on the public learning-center pages; confirm limits at quote time.
Full-timer package for people who live in the van year-round.
Peer-to-peer rental coverage — if you rent the van out on Outdoorsy, Roamly’s personal policy does not cancel or exclude you for doing so, which is what makes this carrier worth paying attention to. Outdoorsy also layers its own platform protection on top — up to $1 million in liability and up to $300,000 in comprehensive and collision — during active rental periods, at no additional cost to the owner. Most other carriers explicitly exclude rental use and will cancel or non-renew a policy if they discover you’ve been renting.

Documentation Roamly asks for

For a DIY build, Roamly’s published documentation checklist is:

A complete spreadsheet of all materials and components with costs
Photos of major systems during installation (electrical, plumbing, etc.)
Photos of the completed interior and exterior
Receipts for major components (solar, batteries, appliances)
Vehicle registration and title

For builds over $30,000, Roamly recommends a certified campervan appraisal, which they note typically costs $300–$500.

What it costs

Roamly’s published annual range for a self-built campervan policy is $500 to $1,600 per year, with actual pricing depending on driving record, garaging state, coverage limits, build value, and whether you bundle with auto insurance. The carrier does not publish platform-specific (Transit vs. Sprinter vs. ProMaster) sub-ranges on its public materials, so treat any article that quotes platform-specific pricing with skepticism unless it names a primary source.

The catches

Roamly does not operate in Hawaii or Washington D.C. Their quote process is online-only, which is great for tech-comfortable buyers but frustrating if you want a human to walk you through coverages. And because Roamly is a managing general agency rather than a direct carrier, the underwriter on your actual policy may be one of six different companies, which can make claims a little more complicated than a single-carrier experience.

Progressive

Best for: People who want a name-brand carrier at a low entry price, and who don’t need Outdoorsy-specific rental coverage.

Here’s where the outdated articles get Progressive wrong. Until late 2023, Progressive was a no for DIY camper van conversions. They insured professionally built rigs but explicitly excluded owner-built ones. That changed in November 2023, when Progressive’s RV product manager Matt Jacobs announced the company would begin insuring DIY camper van conversions nationwide. Jacobs explained the reasoning directly in that announcement: “We’re seeing a trend of people buying a Sprinter van, for instance, and making changes like adding technology and their own style and fit … The younger generation is really jumping onboard with these DIY camper vans, with the typically lower price point.”

The rest of the internet hasn’t caught up. If you read a “best van insurance” article from 2022 or early 2023, it will tell you Progressive won’t cover DIY. That’s no longer true.

What’s covered

Progressive’s Class B camper van policy includes:

RV comprehensive and collision for theft, vandalism, fire, weather, and collision damage.
Motorhome liability starting as low as $125 per year, per Progressive’s published rate floor. That’s the cheapest end of the market — real-world policies with comprehensive and collision will cost significantly more.
Emergency expense of up to $750 for hotel and travel costs if the van breaks down more than 50 miles from home.
Vacation liability for when the van is parked and used as temporary lodging. Progressive expanded this endorsement in the November 2023 update to cover RVs left unattended at campgrounds.
Pest damage and roof protection coverage, both added in the November 2023 update.
Full-timer coverage for people who live in the van year-round.

Documentation Progressive asks for

For a DIY conversion, Progressive wants year, make, and model; a value for the completed build; a list of materials used for the conversion; intended usage; and photo documentation of upgrades and modifications. They classify the van as a Class B motorhome once it has permanently installed cooking, refrigeration, sleeping quarters, self-contained heating or air conditioning (wood stoves excluded), a drinkable water supply, and a 110–125-volt electrical system including solar.

What it costs

Progressive publishes motorhome liability starting “as low as $125 per year,” but that’s the floor for liability-only on the cheapest rigs. A full comprehensive and collision policy on a $60,000 Class B conversion will run closer to the $500 to $1,600 range that Roamly publishes for the same market segment. Owner reports on the Ram ProMaster Forum describe Progressive DIY conversion quotes as low as $305 per year with a stated value — though those numbers depend heavily on state, coverage limits, and driving record, and shouldn’t be treated as typical.

The catches

Progressive does not cover rental income — if you plan to list your van on Outdoorsy or RVshare, Progressive will not cover you during rental use, which can create claim problems if a renter damages the van. Like Roamly, they don’t cover Hawaii or D.C. And some owners report that Progressive’s DIY underwriting is stricter than Roamly’s for builds over $50,000, meaning you’ll need cleaner documentation to get the coverage classified correctly.

Good Sam Insurance (underwritten by National General)

Best for: Traditional RV owners who want a single bundled experience (insurance + roadside + membership + extended warranty) — and who don’t live in California. For the full eligibility and underwriting rules, see the Good Sam carrier review.

Good Sam is an insurance agency, not a carrier. The actual policies are underwritten by National General, which has been an Allstate subsidiary since January 4, 2021, when Allstate closed its $4 billion acquisition. When you buy a “Good Sam” policy, you’re buying a National General policy with Good Sam’s service wrapper around it. For most buyers this distinction doesn’t matter, but it’s worth knowing because it means your claims experience will be with National General’s adjusters, not with Good Sam’s.

The California caveat

Before anything else: if you live in California and you own a Class B van conversion, Good Sam (via National General) will not insure you. The National General Countrywide RV Underwriting Guide (revised February 2026) explicitly lists Class B vehicles as “Not eligible in California” in its eligibility section. This is a hard exclusion, not an agent-by-agent judgment call. California van conversion owners should skip Good Sam entirely and focus on Roamly, Progressive, or State Farm.

What’s covered (outside California)

Good Sam’s Class B policy includes the standard motorhome coverages — liability, comprehensive, collision, personal belongings, roadside assistance — plus several features worth knowing about:

Total Loss Replacement. If your van is totaled within the first five model years (current model year plus four prior), the policy will pay to replace it with a new, equivalent van rather than cutting a check for depreciated value. The underwriting guide sets the settlement value cap at $500,000. This is one of the more generous total-loss features in the market.
Agreed Value is available as an alternative to Total Loss Replacement for highly customized builds without a Blue Book comp — with a hard $300,000 cap per the underwriting guide.
Personal Effects coverage starts at $3,000 base, scales to 20% of the vehicle value or $5,000 minimum, with a maximum of $30,000.
Emergency Expense coverage at $500 base with a 50-mile-from-home trigger (waived under the Full-Timer endorsement), per the UW guide.
Vacation Liability — $10,000 is included free with comprehensive coverage, with up to $300,000 available as an upgrade.
Full-Timer package for people living in the van full-time.
Good Sam Member and Good Sam Affiliation discounts, plus multi-vehicle and safe-driver discounts.

Documentation Good Sam asks for

For Class B camper vans — including DIY conversions — National General requires photos upfront for underwriting review and proof of permanently installed systems: cooking facilities, refrigeration, sleeping quarters, a bathroom with indoor plumbing, self-contained HVAC, a drinking water supply, and a 110–125-volt or solar electrical system. Note the indoor-plumbing bathroom requirement — that’s stricter than Progressive or Roamly, and rules out a lot of budget DIY builds that rely on a portable cassette toilet without a dedicated wet bath. For settlement values of $50,000 or more on Class B conversions, the underwriting guide triggers a “Refer to Underwriting” review, meaning your policy goes to a human for manual approval.

What it costs

Good Sam does not publish a base rate the way Progressive does, and public marketing pages don’t break out Class B van conversion pricing specifically. Real-world pricing for a Class B conversion typically lands in the same $500 to $1,600 range as Roamly and Progressive, though the combination of Total Loss Replacement and Agreed Value endorsements can push a well-specified policy higher.

The catches

Good Sam doesn’t offer rental income coverage — the underwriting guide explicitly lists vehicles “leased or rented to others” as unacceptable risks, along with business use and any vehicle that is the only vehicle in the household. The Good Sam experience is heavily tied to the broader Good Sam ecosystem (club membership, roadside, extended warranty, campground discounts) — which is great if you want all of that and awkward if you don’t. And because the underwriter is National General, claim experiences vary depending on which regional adjusters handle your case.

State Farm

Best for: People who already have State Farm auto insurance and want the discount, and who are willing to shop for a cooperative local agent.

State Farm is the wildcard. On paper, State Farm does not have a specific DIY conversion product — they don’t advertise Class B camper van coverage, and their corporate materials don’t mention van conversions at all. In practice, plenty of converted van owners are insured through State Farm, sometimes at prices significantly lower than the specialty carriers.

Here’s how it actually works: State Farm is structured around local agents, and underwriting authority for non-standard vehicles often sits with the agent rather than corporate. One agent will tell you flat-out “we don’t insure those.” The agent in the next office will write the policy same-day after looking at photos. It’s not consistent across the country, and it’s not even consistent within the same state.

What owners are actually reporting

On the Ford Transit USA Forum, one owner reported that their State Farm agent had a specific form for exactly this situation — “Customization Report: Panel or Van Body Type Vehicles” — and used it to add $28,000 of additional coverage to their van policy. The owner submitted an Excel spreadsheet listing each item, vendor, price, purchase date, and category, along with receipts, and the rider was added without the van being retitled as an RV first. On the Ram ProMaster Forum, another owner described their State Farm coverage as “initially as a commercial van and then as RV when the conversion was done,” with the final RV rate landing at “about $500 ish” per year.

The pattern across the forums is consistent: when State Farm says yes, they can be cost-competitive with Progressive and Roamly, especially for owners who already have other State Farm policies. When State Farm says no, they simply decline, and there’s no corporate escalation path.

What to do if you want to try State Farm

Two things help. First, call a local agent directly rather than the corporate line — corporate will usually route you to an online quote form that rejects non-standard vehicles. Second, have your van retitled as a housecar, motorhome, or RV with your state DMV before you call. Agents have more underwriting flexibility when the registration already shows the vehicle as a motorhome. Multiple owners across forum threads have reported that an initial State Farm rejection became an approval after they retitled the van and called back.

The catches

State Farm does not publicly document any DIY van product, so what you get is whatever your agent writes. That means inconsistent terms, no guarantee of renewal, and no standard “build coverage” the way Roamly or Good Sam publish it. Full-timer coverage is hit or miss. And if you move or change agents, the new agent may not honor the original arrangement — which is the single biggest risk of going the State Farm route.

Who will not cover you

A few carriers that come up in searches are worth mentioning only so you can cross them off your list. The evidence here is owner-reported rather than corporate-documented — every major insurance company declines to publish formal DIY van conversion policies publicly, so the pattern has to be inferred from owner reports on named forums.

AAA in California will not insure DIY van conversions. Multiple reports on van forums describe AAA refusing coverage outright once the word “conversion” enters the conversation, with at least one AAA rep citing “weight” as the stated reason. Other states may vary, but California is a consistent hard no.
GEICO declined to cover a converted van on the Ram ProMaster Forum and the owner reported GEICO would have to drop them because neither their regular auto policy nor their RV product could provide coverage for the conversion. If you have GEICO and you’re converting a van, expect to shop elsewhere before the build is done.
Foremost, Safeco, Spinnaker, and Mobilitas write van conversion policies, but only through Roamly’s underwriter panel — you can’t buy them direct as a consumer.
USAA refers RV quotes to Progressive, which declines DIY conversions through that referral pipeline. Even if you’re eligible for USAA membership, van conversion coverage is not meaningfully available. See the USAA van conversion breakdown for details.
Allstate itself does not have a published DIY camper van product despite owning National General (the Good Sam underwriter). One ProMaster owner reported getting Allstate to write the van as an RV for $558 per year with full coverage, but this is agent-dependent and not a standardized Allstate offering. Treat Allstate the way you’d treat State Farm: local agent, photos ready, low odds.
Farmers, Liberty Mutual, and Nationwide do not have published DIY camper van products. Individual agents may write something, but there’s no standardized coverage to count on.

How to choose

Pick your carrier based on your situation, not on whichever article you read first:

You built it yourself and the build is under $50,000. Start with Progressive. It’s the cheapest of the name-brand carriers, their DIY product is now explicitly available, and their documentation requirements are reasonable. If they won’t classify your build as a Class B, move to Roamly.

You built it yourself and the build is over $50,000. Start with Roamly. Their underwriter-panel model is built for higher-value custom builds, and they’re more flexible than National General’s $50,000 “Refer to Underwriting” trigger. If you live in California, Roamly is the only specialty carrier that will still write you at that price point — Good Sam/National General is out of the picture in California regardless of build value.

You bought a professionally built van. Any of the four will cover you (except Good Sam in California), and the decision comes down to price and service. Get quotes from all four. Good Sam’s Total Loss Replacement is the best feature if your van is less than five model years old and you’re not in California. Progressive is usually cheapest. Roamly is the easiest online experience.

You’re full-time in the van. Roamly and Good Sam both offer real full-timer packages designed for this. Progressive offers full-timer coverage but with more restrictions. State Farm is inconsistent. Start with Roamly if you also want rental income coverage; start with Good Sam if you want the bundled roadside and club membership and you’re not in California.

You plan to rent the van on Outdoorsy. Roamly. This is the only carrier on the list that covers peer-to-peer rental use, and it’s the entire reason Roamly exists. Every other carrier will treat rental use as an uncovered commercial activity — Good Sam’s underwriting guide explicitly makes “leased or rented to others” an unacceptable risk.

You already have State Farm auto insurance and want the cheapest option possible. Call your local State Farm agent, ask if they’ll write a Class B camper van policy, and have your retitled registration and build photos ready. Ask specifically about the “Customization Report: Panel or Van Body Type Vehicles” form — it’s the mechanism agents can use to schedule build components onto the policy without full RV reclassification.

What to document regardless of who you pick

Every carrier in the comparison above will ask for some version of the same documentation package. Prepare it once and you can shop all four quotes in an afternoon:

A spreadsheet of build costs. Every major component, what you paid, where you bought it. Include labor if you hired anyone for any portion. This becomes the basis for the insured value. Roamly’s published checklist asks for exactly this, and State Farm’s customization report form uses the same structure.
Photos of the completed build. Interior from every angle, exterior, the kitchen area clearly showing the cooktop or stove, the sleeping area clearly showing a permanent bed or convertible dinette, any bathroom or toilet area. For Good Sam, you need to show a bathroom with indoor plumbing specifically.
Photos of major systems during installation if you have them. Electrical before the walls went on, plumbing before flooring, insulation and framing. These matter more for higher-value builds.
Receipts for major components. Solar panels, batteries, inverter, refrigerator, cooktop, water heater, any appliance over $500.
Current registration. If you’ve already retitled the van as a housecar, motorhome, or RV, bring that. Carriers classify builds faster when the DMV has already classified them.
A professional appraisal if your total build value is over $30,000. Roamly specifically recommends this and notes appraisals typically cost $300–$500. Good Sam and Progressive will sometimes require one for higher-value claims.

What to ask when you call

Five questions that separate a good quote from a bad one:

“Is this being written as a Class B motorhome policy or as an auto policy?” An auto policy won’t cover the build. Never accept an auto policy on a converted van.
“Does the coverage amount include the conversion value, or just the base vehicle?” The answer should include the conversion. If the quoted coverage is only the cargo van value, the policy will underpay a total loss by tens of thousands of dollars.
“Is this Agreed Value, Total Loss Replacement, or Actual Cash Value?” Actual Cash Value pays out depreciated value and is usually the worst option for a custom build. Agreed Value pays out the stated insured amount. Total Loss Replacement replaces the van outright if it’s within the eligibility window. Know which one you’re getting.
“Does the policy cover my build during the remaining construction?” If your van isn’t finished, ask explicitly about coverage during the rest of the build. Most RV policies won’t cover a van that isn’t yet legally classified as a motorhome.
“What happens to this policy if I rent the van out on Outdoorsy or RVshare?” The answer from Roamly is “still covered.” The answer from every other carrier is “coverage suspended or canceled.” Know which one you’re getting.

Bottom line

In 2026 there are four real choices for insuring a converted van in the United States: Roamly, Progressive, Good Sam, and State Farm (if you can find a willing agent). Roamly is the specialist and covers the edge cases, including Outdoorsy rentals and California Class B builds that Good Sam can’t touch. Progressive is the name-brand carrier that finally covers DIY. Good Sam is the bundled RV-ecosystem option with the best Total Loss Replacement feature, outside California. State Farm is the wildcard that can be either the cheapest option on the market or a flat no, depending entirely on which local agent picks up the phone.

Most van conversion owners will get the best result by quoting at least Roamly and Progressive side-by-side, adding Good Sam if they want the Total Loss Replacement feature and don’t live in California, and trying State Farm last if they already have a relationship with an agent who’s willing to write it. Skip the carriers that don’t have a documented DIY product — a policy that isn’t clearly written for your vehicle type is a policy that will fight you at claim time.

Insurance is the part of van ownership nobody thinks about until something goes wrong. Spend one afternoon getting quotes from all four, pick the one that fits your actual use case, and document everything. That’s the whole playbook.

Keep reading

Roamly carrier review — full breakdown of Roamly’s coverage, pricing, underwriter panel, and rental-income rules.
Good Sam / National General carrier review — Total Loss Replacement, Agreed Value caps, the California exclusion, and what to expect at claim time.
Progressive carrier review — DIY coverage since November 2023, pricing, full-timer’s coverage, and where Progressive falls short.
State Farm carrier review — how the agent-dependent model works, the Customization Report form, and what owners actually report.
How to Insure a DIY Van Conversion — step-by-step guide to getting your first Class B policy.
What Happens If Your Van Is Totaled — agreed value vs. ACV vs. replacement cost, and how to avoid a payout that doesn’t cover your build.
Van Conversion Insurance Cost — what drives the premium and how to reduce it.
Sprinter insurance guide — vehicle-specific notes for Mercedes Sprinter owners, including how build value affects Class B eligibility.
Will GEICO Insure a Converted Van? — why GEICO says no, and what happens if you disclose conversion intent.
Will AAA Insure a Converted Van? — AAA’s refusal and the roadside assistance exclusion.
USAA Van Conversion Insurance — what military families actually get (and where the Progressive referral pipeline breaks down).
Allstate Van Conversion Insurance — same National General underwriter as Good Sam, different front end.
Does RVIA Certification Affect Insurance? — what carriers actually require vs. the certification myth.
Insurance for Renting Your Van — what Outdoorsy and RVshare cover, what your personal policy doesn’t, and how to fill the gap.
Address & Domicile for Full-Timers — garaging addresses, mail forwarding services, and which domicile state is best for insurance.
Van insurance hub — index of every van conversion insurance guide on The Van Guide.
Registering your van as an RV — most carriers classify faster when your title already says housecar or motorhome. Start here before you call for quotes.

Sources and verification

Every factual claim in this article is sourced to a primary document or a named owner report. Where possible, the sentence itself links directly to the source; the list below is the full bibliography.

Progressive

Progressive Adds Coverage for DIY Camper Van Conversions — RVBusiness — the November 2023 announcement, including Matt Jacobs’ direct quotes, the list of new endorsements (vacation liability expansion, pest damage, roof protection), and the Hawaii/D.C. exclusions.
Insurance for a DIY Campervan — Progressive — current DIY product page covering Class B eligibility requirements, documentation checklist, $125/year liability floor, $750 / 50-mile emergency expense, and covered perils.

Roamly

About Roamly — parent company (Outdoorsy), underwriter panel (Spinnaker, Progressive, Safeco, Foremost, National General, Mobilitas), licensing footprint.
How to Insure a Self-Built Campervan — Roamly Learning Center — coverage list, $3,000 personal effects base, $750 / 50-mile emergency expense, documentation checklist, $30,000 appraisal recommendation threshold, $500–$1,600/year published price range, Hawaii/D.C. exclusions.
RV Insurance for Camper Vans — Roamly Learning Center — camper van product overview and coverage structure.
Insurance for Renting Out Your RV — Roamly Learning Center — peer-to-peer rental coverage structure, Outdoorsy’s $1M liability and $300K comp/coll platform protection.

Good Sam / National General

National General Countrywide RV Underwriting & Product Guide (PDF, rev. 02/04/2026) — the primary source for every Good Sam product claim in this article. Class B eligibility rules, California exclusion, required installed systems (including indoor-plumbing bathroom), $50,000 Refer-to-Underwriting threshold, Total Loss Replacement eligibility window and $500K cap, $300K Agreed Value cap, Personal Effects tiers, Emergency Expense baseline, Vacation Liability $10K included / $300K max, unacceptable risks (leased/rented, business use, sole household vehicle, salvage, box truck), discount structure.
Allstate Corporation Form 10-K for fiscal year ended December 31, 2021 — U.S. SEC EDGAR — Allstate’s own annual filing confirming “On January 4, 2021, Allstate completed the acquisition of National General.” Used here as the primary-source citation for the National General → Allstate ownership chain.

State Farm and other carriers (owner reports from named forums)

State Farm May Insure Partial Van Build-Outs — Ford Transit USA Forum — owner report describing the “Customization Report: Panel or Van Body Type Vehicles” form and a $28,000 scheduled-coverage rider added with Excel spreadsheet and receipts.
INSURANCE: conversion van, commercial, RV…? — Ram ProMaster Forum — multiple owner reports including State Farm RV coverage at “about $500” per year after conversion, Allstate RV coverage at $558/year, a GEICO non-renewal, and a Progressive DIY quote at $305/year.

Market landscape (for the “who will not cover you” section)

AAA California refusals for DIY conversions are owner-reported across multiple van forum threads. Readers who want to verify this themselves should search the Ford Transit USA Forum, Ram ProMaster Forum, and Sprinter-Source.com for “AAA California” threads.
USAA’s RV quote referral to Progressive is documented in the USAA van conversion breakdown, based on owner reports and the USAA quote flow.

Insurance products change. This comparison reflects the state of the market in April 2026. Every carrier page and underwriting document cited above can be re-checked by readers against current terms. Always verify directly with the carrier before buying.