RV Insurance in Florida from Leslie Kay's Inc.

Motorcycling and RVing with a Toy Hauler and Kids

RV Insurance in Florida from Leslie Kay's Inc. Taking the road trip of a lifetime and having all the comforts of home.  Many of our summers are spent on the road with the entire family. Welcome to the world of owning a Toy Hauler. Most 5 year olds have been to Disney World and a number of local amusement parks many times. They can quote all the princesses and cartoon characters you can imagine. Our 5 year olds have been to Laconia 4 times, and can tell you most of the major bike rallies across the country. They can name off the states between here and New Hampshire in order, and the state bird, and flower of many of those same states. The summer they were 4 years old, we traversed 17 states with them and Grandma in our truck pulling our home on wheels with our pair of 2003 Ultra Classics. We stayed in campgrounds, visiting family and friends along the way. David and I rode our bikes in countless places, and the kids spent an amazing summer with us, their Grandmother, and met family members from all over. We were able to work on the road from an internet connection, maintain our business, and have an experience that is simply irreplaceable. The life experience for the kids will stay with them forever. Whether it is an epic summer like this, or weekend getaways as a couple or family a toy hauler can be an amazing addition to your recreational adventures.

The comforts of home are sorely missed when you are away for a long period of time. There is a cost of ownership but this can be easily justified when you are no longer hauling all of your stuff in and out of overpriced Hotel rooms every night. A process that takes up time that could be spent covering additional miles not to mention the price tag, bed bugs and who knows what else. We have small children as well, and leaving them home is just not an option. So either we wait until they are older, or we improvise.  We prefer to improvise whenever we get the chance. Campgrounds have playgrounds, swimming pools, and weekend activities. We have been on hayrides, played lots of games, gone swimming, had cookouts, and made friends in many places. We get up in the morning have a hot breakfast, map our day, and hit the road. The GPS has found countless roadside attractions that personify the American Spirit. We have seen many memorials to our veterans, and visited lots of small unique businesses and seen many Historical places.

If you are looking for a Toy Hauler there are some things to consider:

  • Size of the trailer you will purchase.
  • Do you have any experience towing a trailer?
  • How far will you travel, and how much time will you spend in your trailer as living quarters?
  • What is the maximum towing capacity of your current vehicle? While our truck was sufficient for the job we did add Air Bags to the suspension and a larger fuel tank.
  • Will you need a larger vehicle to accommodate your dream trailer?
  • Will the trailer accommodate your Motorcycle or Motorcycles? We use Condor brand wheel chalks to assist securing our bikes due to the ease of removal. Our garage becomes the extra bedroom when we are camped. 
  • How will you get around campgrounds? You may need to consider room for a bicycle or bicycles based on how many of you will be traveling.
  • Where will you store the unit while home? This may affect your overall budget if you must pay for storage.
  • Boondock camping (no fancy water or electrical hookups available) also known as dry camping will require ample water Storage Tanks, Blackwater & Grey Waste Water Tanks, as well as a Generator for power. Unless you don’t mind using an outhouse, a public shower, and a gas stove.  This will mean you skip air conditioning.  Heat is typically Propane.   Some conveniences are optional.
  • Storage is a big factor. Based on how long you will be on the road you may want to take along extra food and gear.  Gear is heavy, and needs to be considered in the overall weight you will be towing.

Be sure your RV insurance policy is a policy suited for your specific vehicle. Putting an RV onto your automobile insurance policy will not provide you proper coverage. Your contents need to be covered just like the contents of your brick and mortar home. You will need specialized roadside assistance, and you will want to have proper liability. Your RV will become your vacation home. If you entertain friends and they are injured you will need to have liability coverage.  Should you decide to become a full timer, and live in your RV as a primary residence you will need a specialized policy. Progressive offers a Full Timer’s Package that will cover the contents of your storage shed, Full Timer’s Personal Liability, Medical Payments Coverage, and Loss Assessment Coverage. Should you plan to conduct business from your RV be sure you inform your insurance agent or company. You do not want to find out that your policy does not cover you for business use after a loss.

Happy Trails … If you have an interesting RV story to share email it to Leslie@lesilekays.com, you could find your story on our blog at www.lesliekays-staging.ubaqfpb6-liquidwebsites.com

What to store in a home safe in Boynton Beach, FL

Owning a Home Safe & What to Store in It

What to store in a home safe in Boynton Beach, FLIf you don’t own a home safe, it might be time to make the purchase. Not only can they help with theft of valuables or family heirlooms, but they can also protect special documents. A home safe is priceless when the unexpected occurs. Documents and valuables can be kept out of harm should you ever experience a home fire or burglary. These reasons alone should be a good motive to invest in a home safe.

Where to place your home safe

When shopping for a home safe, make sure it’s heavy enough so a burglar couldn’t walk away with it. If you can, bolt it to the floor or install it into a wall. An additional thought is to store it in a unique place in your home unless you’re using it daily such as in an office. You don’t want to simply not use it because it isn’t convenient. Some additional things to consider is the size of the safe. Safes that are heavy and require a hand truck to move should be placed on the ground floor. Safes that can be moved with a couple of people are okay to have on the second floor. If your main concern is fire, you should try to place your safe on a cement slab.

Twelve items to store in your home safe

  • Passports, original birth certificates, marriage/divorce papers, social security cards
  • Cash
  • Wills or other important legal documents
  • Valuable watches or jewelry
  • SD cards, important computer back up discs or other electronics that are important, but you may not use on a weekly basis
  • Annual tax returns
  • Small firearms
  • Spare car keys and titles to all vehicles
  • Important papers regarding bank accounts, retirement or other investments

Investing in a safe today could prevent an unfortunate headache in the future. While owning a safe is important, having the right home insurance policy is just as valuable. For all insurance questions, call the insurance agents at Leslie Kay’s Insurance. We have years of experience and will help you find the best coverage for your needs.

Preventing Mail theft in Florida

Preventing Mail Theft

Preventing Mail theft in FloridaMail theft is an unfortunate reality in most of the country. Thieves drive around during the mid-day and night time looking for mail that has not yet been picked up. What are they looking for? Gift cards, credit card applications, and utility bills – pretty much anything that would allow them to steal your identity.

Take these steps to avoid being the victim of mail theft:

  1. Get a locking mailbox

This is one of the easiest steps you can take and also the most effective. While the cost of a locking mailbox varies (usually starting around $80) it can be enough of a deterrent to stop theft. If you live in a community with other neighbors, consider getting together with other neighbors and purchasing a community box. If a neighbor is handy, they can easily install the mailbox. One quick tip, be sure to check for postal service approved mailboxes. It usually requires some minor paperwork.

  1. Pick up mail frequently

Make it a habit to routinely pick up the mail as close to delivery time as possible. Most of us work throughout the day, so grab it on the way in from work. Do your best to not leave mail in the box until the next day.

  1. Avoid using the red flag

 If there is one “red flag” (pun) for thieves, it is using your outgoing mailbox’s red flag. Simply waiting until the time the mailman is coming or even better, bringing your outgoing mail to work (with your postage paid already of course). This will ensure a secured delivery.

  1. Have a neighbor help you out from time-to-time

Do you know you have something valuable coming in the mail? Perhaps it is your birthday or around the holidays. Ask a neighbor to pick up your mail for you. Since the USPS is now delivering for Amazon on Sundays, if you have a small package coming, be sure to check your mailbox on Sundays for special deliveries.

Do you have other ideas about how mail theft could be avoided? Feel free to share your thoughts on our Facebook page!

Leslie Kay’s Insurance has been providing customers in the 48 contiguous states the best service and coverage for all their insurance needs since 2000. We work hard to find you the right insurance company for your specific needs. Because we are an independent insurance agent we can shop for a great rate on motorcycleautohome or RV through multiple carriers. Checkout our insurance website 24/7 or request a quote and an agent will call you back!