Toter Home & Race Hauler Insurance
Specialty coverage for the truck you live in
A toter home isn't a standard RV, and it isn't a standard commercial truck either.
We write combined auto and dwelling programs built specifically for toter home owners and race team haulers, nationwide.
Toter Home Insurance — SPECIALTY COVERAGE SINCE 2005
Licensed in all 50 states, writing combined auto and dwelling programs for toter home owners and race team haulers.
Toter Home Coverage Lines
A toter home is both a Class 8 truck and a place you live — we build the program to fit both halves.
Toter Home Liability
Bodily injury and property damage liability while you drive and while you're parked. A+ rated carriers, limits from $300K to $5M.
Learn More →Physical Damage Coverage
Agreed-value comprehensive and collision on the coach itself, including the custom living-quarters build-out most auto policies won't touch.
Learn More →Roadside & Towing
Emergency roadside assistance, towing, and coverage for the trailer or race car you're hauling behind the toter.
Learn More →Full-Timer's Liability
Premises-style liability coverage for owners who live in their toter home full time, the same protection a homeowners policy provides a house.
Learn More →Contents & Personal Effects
Coverage for the personal property inside the coach — clothing, electronics, tools, and gear — on the road and at the track.
Learn More →What a Toter Home Actually Is
A toter home is a custom motorcoach built on a semi-truck chassis — Peterbilt, Kenworth, Freightliner — used by NASCAR and race teams, touring musicians, and long-haul luxury travelers who tow a race trailer or fifth wheel behind it.
Standard auto insurers see a Class 8 truck and stop there. Standard RV or homeowners insurers exclude a vehicle that drives on public roads. We've specialized in non-standard vehicle and specialty dwelling programs since 2005, and toter homes are exactly the kind of coverage gap we close.
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Hear from our Customers
Owners and race teams who needed coverage that actually fits a toter home
Nobody else understood that my toter is both a Class 8 truck and my home on race weekends. These guys got it in one call.
— Race Team Hauler Owner, NC
Standard RV insurers kept declining because of the truck chassis. Finally found a program built for exactly this.
— Touring Crew Owner
Agreed-value coverage on the coach conversion was the whole reason I switched. My old policy would have paid me nothing close to replacement cost.
— Toter Home Owner, TX
Quick, straightforward, and they actually knew what a living quarters rider was without me having to explain it.
— Motorcoach Owner
Got the race trailer and the toter covered under one program instead of juggling two carriers.
— NASCAR Hauler Crew Chief
Ready to Cover Your Toter Home?
Get a customized quote in about 15 minutes. Our team knows the difference between a toter home and a standard RV.