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