O.K. How do guys do it, I am trying to buy a F650 it's just me !!!! I finally got the loan approved (I have good credit) but now I call my ins. guy (Country Company's) and they say no!!!!! I don't get it how are there so many of them pulling boats these days??? I am looking for some advise?????

Mine is with Progressive under their commercial insurance program even though it is registered as a personal passenger vehicle. Took a few conversations but they can do it. My other vehicles are with USAA and they said no. Because of the weight (class) you need a commercial carrier. Read the policy when you get it, I had to make changes to make sure everyone was clear what it was and how it was used.

Ours is through the company so we didn't have any problems, but I can see where a private guy might.

Save your money BZ. That's stupid money to pay for something that's going to sit 95% of the time. If u got $$ burning a hole in your pocket by a new dually with compriable equipment to my 250.

You're right the 650 isn't really good for running around town and getting coffee with haha

Can't even get around the city in his current dually. Lol.

Are we talking about trucks or boats?

Exactly Like this Boating thing is a Money maker!!

I looked at a 650 a while back as a pull truck. When it came time to look into insurance, broker made a comment that threw me for a bit - straight F650 as it comes from Ford with a enclosed box or flatbed - commercial insurance and possibly required A/D licence ( CVL) with air brake endorsment due to weight combo. Put a pick up box on a 650, like everyone is doing, it clould be insured as a private vehicle, same as the dually, if not used for business + the added air brake.

Same idea as those with 50' bus conversions as motorhomes - no CVL and some area don't require the airbrake endorsement as they are in a different classification.

That was a few years back and alot of things have changed I am sure - but it may be worth asking.

I insure mine with state farm,as well as the boat and all my other stuff. its cheap, 6 months $350 storage for 6 months $50 , listed as a personal vehicle. and I do take mine for ice cream and some cruse nights, as well as tow the boat.draws attention everywhere.