Van build insurance regulations explained

What insurers mean by a converted van

Insurers look for permanence and safety when they classify a van build. A conversion that includes a fixed bed, a secured galley or cooking area, built in storage, and onboard water can qualify as a motorhome under many state definitions. Once you cross that threshold, you may need to reclassify the title or registration to a motorhome to unlock RV style coverage. Without reclassification, carriers can treat the vehicle as an unlisted modification on a standard auto policy, which risks coverage gaps. Always confirm the features your state requires for motorhome status before you apply for a policy.

Typical features that trigger reclassification

• Fixed sleeping area that does not need daily setup
• Permanently mounted cooking appliance or galley and a safe fuel source
• Freshwater and grey water capacity with secure tanks or containers
• Built in storage and living space intended for camping or travel

Paperwork you will likely need

• Clear photos of interior and exterior showing permanent installations
• A build sheet listing materials, appliances, and component models
• Receipts or invoices to establish insurable value of the upfit
• Title and registration that match the requested vehicle class

Safety and compliance that influence insurability

Underwriters care about risk. Electrical systems should be fused correctly with appropriate wire gauge, distribution panels, and overcurrent protection. Use GFCI protected outlets near water and shore power. For propane, secure cylinders in a vented compartment, include a shutoff, use approved regulators, and perform a leak test. Install smoke and carbon monoxide detectors and a rated fire extinguisher within reach of the cook area. If you add passenger seating, use tested seat bases with seat belts that tie into structural anchor points. These items are not just smart for the road, they help your policy get approved.

Codes and best practices to know

• NEC and RV specific guidance for branch circuits and shore power
• NFPA references for LP gas systems used in recreational vehicles
• Manufacturer installation manuals for heaters, inverters, and chargers
• State inspection standards for reconstructed or altered vehicles

When an inspection is required

Some states or carriers request a photo inspection or a physical review when a van changes class. Expect verification of VIN, safety equipment, and key systems. Inspections help underwriters confirm that the build matches the declared features and that the value aligns with receipts. If your gross vehicle weight rating has not changed, the inspection focuses on occupant safety and equipment rather than emissions or drivetrain.

Choosing coverage that fits a custom build

Once your van qualifies, you will likely compare RV policies with agreed value or stated value coverage. With agreed value, you and the carrier set a payout number up front based on documentation. Stated value lets you declare an amount, but the payout can be the lower of cost or market at claim time. Ask about aftermarket equipment endorsements, personal effects coverage, roadside support for taller vehicles, and full time use endorsements if you live in the van year round. Be honest about how and where the van is stored, and list every major accessory so it is protected.

Steps to bind coverage smoothly

• Confirm state reclassification requirements before you build
• Keep a running folder of invoices, serial numbers, and photos
• Get a professional appraisal if your build is complex or rare
• Ask carriers to prequalify features like heaters or roof modifications

Common reasons for denials or delays

• No proof of permanent fixtures or missing receipts
• Uncertified seating or seat belt retrofits without structural anchorage
• Propane systems without proper ventilation or shutoffs
• Electrical without proper fusing, labeling, or shore power safety

How OZK Customs reduces insurance friction

The simplest way to pass underwriting is to build to clear standards and document everything. Our team in Fayetteville Arkansas designs cabins and systems for safe travel and straightforward insurability. We specify tested components, label circuits, and provide photo documentation that underwriters appreciate. If you are weighing policy options, carriers respond well to organized build sheets and clear proof of permanent installations, which we provide at handoff.

• Explore our Recreational vans to see how we integrate sleeping, galley, power, and water in a way insurers recognize as motorhome ready.
• Considering a one of one layout built for your work and travel routine Start with our Custom van builds.
• Looking for a platform that tends to finance and insure more easily Review our Mainstream vans.

Practical checklist before you call a carrier

• Confirm whether your state requires motorhome designation on title
• Photograph every permanent feature including mounts and brackets
• Label your electrical distribution and include a diagram in your folder
• Add detectors, extinguisher, and a visible propane shutoff
• Store receipts and a summary cost sheet for the upfit

Insurance should not be the hardest part of your van journey. OZK Customs builds insurable vans with clean documentation, compliant systems, and thoughtful safety details that make underwriting easier. Tell us how you travel and we will design a build that protects your people and your budget.