In the event that there is a partial loss, like theft of just a few items, there are caps on what is covered. With National General, if the theft occurs inside your RV, then the cap is 25% of the total value of all the Personal Effects coverage that you carry. For example, if you have a $20,000 Personal Effects policy, then this means there is a cap of $5,000 per claim. If the theft occurs outside the RV but on your campsite, then the coverage is 10% of the total value of all the Personal Effects coverage that you carry. Again, for $20,000 total coverage, this means a cap of $2,000 per claim. There is no coverage if the theft occurs away from the RV (i.e, your bike is stolen from the bike rack at the coffee shop in town).
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You are probably working at a job right now and paying for an apartment or house. The first thing you do is decide what type of vehicle you want to live in and purchase it. Then you have a garage sale and sell as much of your excess stuff as you can, and give the rest away. Then you move into your vehicle. Now this is very important, you open a savings account and the money you used to pay to your landLORD for your apartment or house payment (including the utilities) you start paying to yourself instead by putting the payments into the savings account instead. Now you alone are the LORD of your life! The hardest part is that it will soon turn into a lot of money and you will be tempted to spend it. Don’t do it! Leave it there unless it is a total emergency. If you are currently paying $600 a month for rent and utilities, then at the end of the year you will have saved $7,200. Now you can travel for the next 7-14 months without working. Or if you work intermittently, you can extend that even further.
I really liked the couple I bought it from; they were only the second owners and had owned it for 5 years. They took it out a couple times a year. They smogged it (California) and put new front brakes on it before turning it over to me. I knew it needed new tires (the tread was good, but they were old an cracked) and they told me the truck A/C needed to be recharged. They were asking $9,000, I paid $8,000.
No, I don't. However, I've been RVing for more than 50 years and know which parks likely will have availability. When I'm not sure, I reserve..but I rarely do this. Availability is becoming a problem due to the huge increase in the numbers or RVers in recent years. If you're not sure, reserve, but bear in mind that if you have to cancel, they'll keep at least the first night's costs or charge a fee.
Eventually they got permits to put the trailer on the property and that summer my father dug a basement with a backhoe and my mother and him poured a foundation by hand and laid cement blocks while my sister and I 4 and 8 years old, did our best to help. It took a couple of years before we could finally move out of the trailer, but even then we were only able to live in 1/2 the house! I think all told my sister and I had to share a room for 2-3 years in the trailer and 2 more years in the house until we had bed rooms that were built for us! Our original room was the laundry room and the room my parents have now as a dining room used to be their master bedroom!
Throw caution to the wind and just DO it. I have had plenty of financial misadventures/disasters, but if you’re not tied down to a job, the RV lifestyle is CHEAPER if you do it right! Start with a TT membership and enjoy $20/week camping for a while, learn how to use other discount clubs on your “out” weeks or even dry camp, learn how to pick up work… The point is: You’ll figure it out and be living your dream life.
The various RVs were scattered about a sheet of ice. It was treacherous walking. Our neighbors were predominately construction workers with pick up trucks in abundance. We all had problems getting in and out with those, and sometimes had to park at the office for fear of not getting back out from the sites the next day. So moving the RV was not an option.
For income, the pair relies on occasional real estate investments, though they are currently out of the real estate game and filling in as campground hosts in Florida in exchange for free rent. Their job entails greeting and assisting fellow RVers, keeping an eye on the campground and driving a tram that runs to the beach. They still look at potential real estate opportunities as they travel, but they’re not too eager to invest.
From our experience, what ever you spend now (food, entertainment, shopping habits…) is probably what you will spend on the road. While our expenses are a little less on the road than when we had a sedentary life, it’s not drastically different, so don’t expect to save a ton of money unless you are going to be making some serious spending habit changes while traveling. We live a comfortable life on the road and we like it this way!
As for the privacy inside the RV – anyone with young kids knows no matter where you are kids have a way of always finding you. But when we were at the house I could go hide upstairs and take a bath and they didn’t know I was there . . . not so much anymore. It has been an adjustment – but again it has been worth it and luckily we all love each other so much and enjoy being close to each other!
My husband and I are currently living in Panama but have sold our home and will be moving back to travel the U.S. full-time in a motorhome early next year. More than one time you have said you wish you had gone with a smaller coach. We will want to boondock, camp in (or somewhere close to)all of the national parks, and in BLM land on occasion, etc.. But we are not opposed to staying in RV parks when needed. My question to you is: Do you think we can do that kind of traveling in a 43′ motorhome? We have done tons of research on the manufacturer and make we want to buy. Their 38′ and 40′ models just don’t have a layout that I think will work for us, especially since the 43′ seems to have everything we want in the right place.
Heated Water Hose – You can make your own with heat tape and pipe insulation and this works pretty well, although on occasion we have seen people in the bathrooms warming up their frozen hoses during extreme cold snaps. I’d recommend just purchasing a good heated water hose. Camco has one on the market but it looks kinda cheap, from the heated hoses I’ve seen in person I’d recommend the Pirit Heated Hose as the construction and the warranty seem top notch.
In addition, we get to utilize the mortgage interest off our RV payment as a tax deduction (it’s a second mortgage if you have a bathroom—see IRS laws). Besides the memories we make starting from the moment we drive out of our driveway, we are making our money go further. That means more money for more vacations! In addition you will save even more money making your own meals on your travels. Can you say “Ca-ching!”
We use St. Brendan’s Isle in Florida for our mail forwarding, and use their Mail Scan Pro service. Their address also serves as our legal address of domicile for driver’s licenses, voting, vehicle registration, business registration, taxes, etc. They collect our mail, scan the front of the envelop and notify us via e-mail that we have new mail. We can then view our envelops online and decide what to do with them – scan, send or shred. We can request a shipment to whatever address we’re at. They’re super cool and we couldn’t be happier with the service we have received from them.
A million Americans live full-time in RVs, according to the RV Industry Association. Some have to do it because they can’t afford other options, but many do it by choice. Last year was a record for RV sales, according to the data firm Statistical Surveys. More than 10.5 million households own at least one RV, a jump from 2005 when 7.5 million households had RVs, according to RVIA.