Legal Considerations

Contact your local DMV for specific requirements, which typically include: permanent installation of sleeping facilities, cooking appliances (stove/microwave), and a refrigeration system. Many states require a 110V electrical system and/or plumbing with fresh/gray water tanks. Provide dated photos documenting your conversion process, receipts for materials, and complete an RV certification inspection where required.

Camper van expenses aren't usually deductible for personal use, but self-employed individuals can claim business-related travel deductions if the van is used for work. Digital nomads might qualify for home office deductions with a dedicated workspace. Mortgage interest may be deductible if the van serves as a primary residence. Consult a tax professional.

Obtain RV certification through RVIA or a state inspection to qualify for RV insurance. Document your conversion with receipts, photos, and professional appraisals to establish value. Specialized insurers like Roamly and Good Sam offer policies specifically for conversions. Ensure coverage includes personal belongings and custom installations, not just the vehicle.

Legal requirements differ by location. Many cities ban overnight parking on public streets, and some laws prohibit sleeping in vehicles. National forests often allow 14-day dispersed camping, while BLM land usually permits 14-day stays. State parks require permits for designated areas. Permission is needed for private property. Research local laws to avoid fines.

For full-time camper van living, you'll typically need a valid driver's license, registered vehicle with insurance noting full-time coverage, America the Beautiful and relevant state park passes, a mail forwarding service for residency, and health insurance valid nationwide. Some areas require domicile establishment for taxes, and international travelers need appropriate visas and import permits.

Purchase specialized full-timer RV insurance from companies like Progressive, Good Sam, or National General. These policies include personal liability coverage, higher limits for personal belongings, and loss assessment coverage. Disclose that you're living in your van full-time (typically defined as 6+ months per year) to ensure proper coverage and avoid claim denials.

Document your build process thoroughly with receipts, photos, and videos. Obtain a professional appraisal to establish value. Seek specialized insurers like Roamly or National General that offer conversion-friendly policies. Consider separate policies for the vehicle (auto insurance) and contents (personal property). Some companies require professional certification or inspection before coverage.

Select a domicile state with favorable regulations, such as South Dakota, Florida, or Texas. Utilize mail forwarding services to establish a physical address. Visit your chosen state to get a driver's license and register to vote. Open accounts with national or online banks. Consider health insurance options aligned with your domicile state.

Prepare a detailed inventory with serial numbers and receipts for valuable items. Research and avoid restricted items, and declare food, alcohol, and medications. Be honest about your visit's purpose and duration. Keep items organized for inspections and download customs forms in advance. Use a customs broker for complex situations.

Annual premiums typically range from $600-$1,200 for part-time use and $1,000-$3,000 for full-time coverage. Costs vary based on van value, conversion quality, driving history, coverage limits, and location. DIY conversions often cost more to insure than factory-built models. Bundling with auto or home insurance can reduce rates by 5-15%.

File taxes based on your legal domicile state, ignoring travel locations, and track days spent in each state. Keep detailed records of van expenses for potential deductions, especially if self-employed. Use digital systems for tracking receipts. Understand tax obligations where your employer is based and consider consulting a tax professional familiar with nomadic lifestyles.