What do RV fires, wrecks and natural disasters all have in common? Each of these RV catastrophes will force you to find a new home – fast!
If you’re a full-timer and lost your RV suddenly, are you prepared? These three ways to prepare for RV catastrophes can help you survive the unthinkable.
Get a “Go-Bag” Ready
Full-timers and RVers from North Dakota to Louisiana know what flood disasters can do to RV parks. When water is rising so fast you can’t get your rig out in time, the only thing that matters is surviving. Keep a “Go-Bag” stuffed with vital essentials including:
- Prescriptions and toiletries
- Energy bars and powdered beverages
- Extra glasses, hearing aids or other physical aids you rely on
- Pet food, medications, vaccination records and a leash if you have animals
- Cash and copies of important records (passport, drivers license, insurance documents).
- And….what your mom always recommended: a change of underwear.
Know Your RV Insurance Coverage
Does your RV insurance cover emergency living expenses if you lose your RV home? I thought mine did. Then I called my insurance company and was surprised to learn that my current coverage only includes $750 of emergency living expenses. That won’t go far if I’m in a RV catastrophe and get stuck in a big, expensive city. For example, one month’s RV park rent in the San Francisco Bay Area costs an average of $850. My RV insurance plan now allows me to choose emergency living expense coverage for $750, $2,000 and $7,500. Does yours?
Build Emergency Savings
Financial experts say everyone should have six to twelve months of living expenses in case the unthinkable happens. RV catastrophes are easier to deal with when you have an emergency savings account. Even a few thousand dollars stashed away can help bridge the gap between your insurance coverage and real-life costs of living.
Unfortunately, credit cards offer a false sense of security to most people. Eventually those debts require payment. Coping with credit card debt and piecing your life back together is stressful. Emergency savings helps lessen the blow of an already bad situation.
Nobody’s Safe from RV Catastrophes
As you start your life on the full-timing road, you’ll see that no area in this country is safe from RV catastrophes. From RV park fires to floods in the Carolinas, the whims of Mother Nature or careless campers can hit when we least expect it. Prepare your family and your finances from the terrible effects of RV catastrophes and you’ll stay one step ahead of disaster.
Rene Agredano and her husband, Jim Nelson, became full-time RVers in 2007 and have been touring the country ever since. In her blog, Rene chronicles the ins and outs of the full-timing life and brings readers along to meet the fascinating people and amazing places they visit on the road. Her road trip adventures are chronicled in her blog at LiveWorkDream.com.