South Dakota is in style amongst full-time travelers as a result of it boasts no inheritance tax, no property tax and no vehicle inspections. We chose South Dakota as our domicile proper earlier than we hit the highway as beginner full-time RVers in 2007. However, most full-time RVers change their state of residence, or domicile, and there are valid causes for doing so, including tax, insurance and vehicle registration rates. When you trade your own home address to stay on the road in an RV, you have to decide tips on how to receive mail and what to call “home” on your tax returns.
The more danger you’re keen to accept, the much less insurance you need. If you’re living in your RV full-time and could be homeless without it, shedding your RV is a large threat, so you need enough coverage to replace it if one thing happens to it. If your RV is your house, you’ll have plenty of private objects in it. Things like your clothes, electronics, books, furniture, and more should all be coated. Usually, a householders coverage covers these types of private property, but if your RV is your full-time residence, you might not have householders insurance.
Find out why you should cut back your car insurance coverages as your vehicle ages. Quick solutions and simple-to-perceive auto insurance definitions written with you in thoughts. Both of these insurance insurance policies help protect several types of recreational autos.
These include, through Progressive’s associate Mexpro, Mexico liability insurance — an add-on that protects your vehicle when you travel south of the border. The backside line concerning health insurance for full-timers is that you must do the work to turn into educated on plans, coverages, and costs. And this is going to be tougher and much more essential within the next few years.
If you stay claimless, your deductible will go down and your premium will stay at that decrease rate. For every consecutive year you don’t file a claim, we’ll reduce the deductible on sure coverages by a whopping 25%. A deductible is what you pay out of pocket before coverage kicks in. If your RV is damaged to the point of being uninhabitable, this coverage could be a life-saver. It helps pay for temporary lodging whereas your RV is repaired or in the process of being changed. Mentioned above, medical funds coverage would help pay for an injured passenger’s hospital payments, no matter fault.
Unfortunately, the second we really need the insurance company is when we learn how good it truly is. Will the insurance coverage be adequate for alternative of all these things? Does the insurance offer full replacement value or truthful market value? Does the insurance provide living bills while accident repairs are being done or whereas obtaining and equipping a brand new full-time RV if it’s totaled?
Customers who full a defensive driving course or have a commercial driver’s license pay lower premiums. After asking more questions and voicing my frustrations I am advised that we don’t must put this off another week till I am back on the town and we can finish up by telephone. I learn that they’re attempting to find out if the damages I have sustained are a result of the earlier claim that was paid to the prior owner- ARE YOU KIDDING ME!!!
Our plan was to use our ACA coverage as a catastrophic plan solely. If we had any serious circumstances, we’d drive or fly again to Texas. For the subsequent two years, we had coverage through the ACA marketplace. Unfortunately, with the changes that accompanied Obamacare , this plan was dropped on the end of 2016.
One of the most typical topics of dialog across the campfire is insurance for full time RVers. We all hope that we received’t get sick on the street, but need to be ready if something surprising ought to happen. And frankly, navigating the world of full time RVers insurance could be pretty daunting, particularly if you’ve by no means needed to find insurance by yourself.
If you are a full-time RVer and live in your recreational vehicle, you want coverage much like Homeowners. Our research course of started by specializing in national providers which have a historical past of economic success. RV insurance generally supplies property coverage with some exclusions. For example, it will not cover losses or damages caused by animals, bugs, rodents, or birds if the vehicle is parked. In addition, most water damage is more than likely not coated.
The perfect state of affairs could be for you to buy an RV when you’re still living in your house. Take your RV on many trips, get a really feel for what it’s like to stay in a small house and to drive, park, and camp in an RV. Additionally, if you live at a set address, you’ve locations you sometimes store that you realize may have what you want at a price you possibly can afford. But when you’re touring, you need to shop in unfamiliar places and they often usually are not the most economical providers. State parks cost between $30 and $forty five and the amenities can differ.
This, in turn, will improve the price of your full-time RV insurance policy. The full-timer coverage is similar to a owners coverage and can protect you towards liabilities and losses if you’re parked for extended intervals of time. It may also cover the prices of medical bills or emergencies for these injured in or across the RV. The remainder of your coverages might be on par with a recreational RV insurance coverage.
There are a lot of companies that need your corporation so ensure you are getting the most effective deal potential. Most insurance companies offer a bundle low cost as properly so you can guarantee your RV, car, home, and so on. and get main discounts this fashion. Collision coverage insures us towards any accidents like that point I reversed into a pole to crashes with other automobiles. Comprehensive coverage insures in opposition to different events like theft.
Q: What Other Suggestions Would You Give To People When They Want To Discover A Coverage For Either A Full
It is necessary to check with your provider to seek out out if they provide private liability coverage and coverage in your contents. Additional living expenses (money to stay elsewhere while your trailer/motorhome is being repaired) is one other essential consideration if this is your primary home. Recently I had the chance to ask my insurance agent some questions on RV insurance, and in particular what might be needed for full-time RVers. Although our particular insurance company does not cover full-time RVers, he offered some sage recommendation and things to consider when on the lookout for an insurance policy. In truth, did you know that only a few RV Insurance companies actually offer full-time RV Insurance?
We are a neighborhood of families who travel full-time with our children. Membership helps you connect with different households, with our Rallies and online communities, and save over $500 in discounts. If you’re in search of something other than insurance or if you would like something to supplement your existing plan, there are different options out there. Below are two well-liked ways people get affordable healthcare whereas on the street. Fixed-profit insurance is a sort of plan that costs a fixed-rate for a preselected set of benefits.
It’s also one of the best methods to travel, vacation or retire. After shifting into my RV full time, I discovered that I cannot get personal property coverage through my current insurance service, State Farm. As an AARP member, you’re eligible for special car insurance discountsand savings for RV insurance from The Hartford. You can also lower your insurance cost with an auto and home bundle. You can even full safety courses for a reduction on insurance coverage.
What I discover scary now could be living inside a tin field whereas lightning crashes all around you. I’m nonetheless alive, and I’m still RVing, so it’s not a make-it-or-break-it occasion for me. No matter how much expertise you’ve driving a recreation vehicle, you should always keep vigilant. This vigilance can lead to mental and bodily fatigue after just some hours, and is why most full-timers only drive four-5 hours a day.
Best Rv Insurance For Full Timers
All of that’s ending as I simply bought a new home and will construct an RV storage for the Airstream and return to utilizing it as I originally deliberate. Other rvers are actually useful but if you’re not, repairs will take a big chunk out of your finances. When we retired we needed to determine whether to full time or halftime. 6 months in a 1 stage home in an space we beloved to vacation. We had already been spending the winters in FL for two years once we bought our home.
Before signing a new RV insurance coverage, learn how one can select and evaluate the best RV insurance company for your needs. Breaking Down RV Coverages There are four three primary types of coverage that apply to each RVs and different automobiles – Liability, Uninsured/Underinsured, Collision, & Comprehensive. Liability Coverage Liability Coverage protects you from legal liability for bodily harm and property damage you cause to others.
We tried to find a price for the lowest annual premiums but weren’t capable of get an correct illustration of what policyholders can anticipate paying. A lengthy list of discounts is one of Nationwide’s best perks. We picked this insurer as having the most effective reductions because it provides a longer list than many other insurers, including home and auto, security training, and claim-free reductions.
Having the best roadside help coverage is extremely essential, particularly should you’re far from home. Roadside assistance can help you cover the prices of mechanical or electrical breakdowns, battery failure, flat tires, or lock-outs, among many different things. This one works identical to it does on an everyday auto insurance policy.
With RV insurance from Good Sam, prospects have access to a variety of normal coverages, as well as unique premium protections. Many companies provide RV insurance coverage, together with main insurers and area of interest companies that focus solely on RVs. We checked out numerous the choices above that will help you discover one of the best RV insurers. Some of the most effective RV insurance policies come from national insurers who make it simple to bundle your coverage. To get probably the most bang in your buck, customize your coverage to cover only what you want. FMCA RV Insurance may help you get hold of a coverage created just for full-timers.
There isn’t any further cost to you and the earnings assist keep this web site working. Deciding which RV is right for you comes down to personal desire and what you want. A few things to ask your self could embody if you would like it to be self-propelled or towed. If you need to tow it, how much weight can your vehicle safely tow? Saving you cash, time, and worry wherever your RV takes you. GEICO has no control over their privacy practices and assumes no responsibility in connection along with your use of their web site.
We offered a list of what was stolen, some photos we occurred to have and no questions requested. You gained’t get that with commonplace RV insurance however we’ve received private liability and private possession coverage identical to a house owner would have. Another couple we’ve heard about had the same thing happen and if it wasn’t for some separate business insurance, they wouldn’t have been lined. Every RV insurance policy should have liability coverage while driving; you’ll want no less than the minimum liability coverage for the state where your RV is registered. Other coverage choices include complete for the RV itself, personal belongings coverage, and medical funds. RV insurance is designed to protect towards theft, loss, or accidents associated to your recreational vehicle.
So Jenni and I wholly imagine that other couples could stay a life on the highway as we do spending about $20,000 per yr. You’ll handle to search out the best mixture of fresh-meals storage and cooking strategies that work best for you, so don’t let this concern sway your determination to begin living full time in an RV. When you spend enough time at one RV park like I did when workamping, you’ll discover the parade of women and men who visit the campground loos. This segment just isn’t going to take care of the everyday points brought up in different full-time RV articles about personal space.
There are laws that have an effect on the place and for how long you’ll be able to park your RV in addition to how many people can stay in a certain quantity of house. Of course, there’s a distinction between taking your RV on the road all 12 months and living out of it vs. living in an RV on land owned by you or another person for the complete year. If you’ve decided to make your RV a full-time home, you doubtless need to go to as many locations as possible. We ranked all of the states for average temperature, variety of federal parks, and the variety of available RV insurance carriers.
The nice American road trip is so well-liked today it’s created renewed fervor for significantly extended travel and full-time RV living—and even sparked a movement generally known as #vanlife on social media. Before you set out by yourself adventure, ensure you get the right insurance for your own home on wheels. If you’ve financed your RV then the lender will generally require that you carry full coverage to ensure the loan company can recoup their mortgage if there’s a loss. If you might be renting a RV you might be coated through your auto insurance BUT you should confirm that with your carrier. Rest assured you’ll be requested by the rental company to buy insurance regardless.
This coverage can also protect you from coated hit-and-run accidents. Coverage is topic to coverage coverage provisions and limits. Ideally, your liability limits would be higher than or equal to your net worth. Personal liability traditionally will cover protection costs and damages for dog bites. Though some insurance policies exclude sure breeds and have a reduced limit for canine chew claims. This is another good cause to talk with your company to confirm what your coverage will cover.
Quite a number of companies provide “Full-time RV insurance” that includes liability coverage similar to what would usually come with a home insurance coverage. Coverage for personal belongings is a complete totally different story, however. The type of RV insurance you want is determined by how you intend to make use of your vehicle. Most RV insurance companies provide add-on coverages for extra protection. These plans are meant for use throughout times of transition and to fill gaps between plans.
And the marketed presents could also be subject to extra phrases and conditions of the advertiser. All info is presented with none warranty or guarantee to you. Update Information Click a minimum of 2-three companies to seek out the perfect rate. Not all policies cover all the above losses, so remember to understand what’s included in your specific Comprehensive coverage. Collision Coverage can pay for damage to your RV if you collide with one other vehicle or any non-living object like a fence, pole, wall, etc. It does not cover collision with an animal or any claim that isn’t the result of a collision.
In case one thing catastrophic occurs and your RV finally ends up destroyed, this kind of coverage will save you 1000’s of dollars by covering the price of a substitute RV. Under certain circumstances, some companies even provide a hundred% substitute coverage, which is nice, especially when your RV can be your main residence. For probably the most part, people who only use their RVs seasonally want campsite/vacation liability coverage, which will shield them towards liabilities while their RVs are parked. When the RV is a full-time residence, nonetheless, it wants extra comprehensive coverage. Ideally, RVs which are main residences ought to have insurance policies that combine the features of both home and auto insurance, even when the RV is stationary. Customer service is around each hour of the day, and the corporate has a number of fee choices.
There isn’t a easy canned reply or easy button you possibly can push for full time RVers. You need agents that have been there and perceive all the distinctive situations and can take the time to discover a plan that matches your wants. You’ll need a healthcare and insurance plan in place that doesn’t go away you unprotected and weak with unexpected loopholes or gotchas. We chose an ‘Agreed Value’ policy with an organization specializing in full-time RVers’ needs. Click To TweetIf my 27′ Arctic Fox fifth wheel is ever totaled, my insurance company will cover the RV amount that we “Agreed” on when the coverage was written.
We have received many Post Office General Delivery packages shipped by both UPS and FedEx with out being charged a penny by the Postal Service. However, we now have received simply as many packages the place we had been charged a fee of as much as $12, relying on the size of the bundle, once we went to the publish office window to select it up. The post workplace holds all General Delivery mail for 30 days, so there is loads of time to locate the post office and retrieve our box. The presence of mail forwarding companies additionally creates jobs in these states that wouldn’t in any other case exist.
Get “Visible” model cellular as Your cellular phone AND web provider. Visible charges $forty a month for UN-restricted information streaming ! That means You can reside watch infinite YouTube movies and so on… streaming 24/7/365 for only $forty bucks. Go to the TechnoMedia Youtube channel and watch a married couple who full time RV and who run an internet media company from distant in their BIG bus DP motorhome they offer great advice.
Been RVing almost my complete life, and boondocking for most of those RV adventures I have been on. For me it was some family heirlooms & for my husband his tools. We heard horror stories about storage items & knew you needed to have warmth & AC which is expensive. What really made me choose to buy a house with low maintenance was watching rv pals get ill & simply aging. I needed a sticks & bricks home to go to if & when we now have sicknesses but in addition mobility issues that include age.
In change for monthly dues, you are promised coverage for any unexpected medical expenses you might have. All members of the health share pay into a shared fund that members can draw from when they want it. Typically, you would wish to pay up front for any medical expenses. The thought is that the health share will reimburse you after the fact . They aren’t a alternative for a health insurance plan, however they’re a fantastic supplement when you have catastrophic coverage only and would pay out-of-pocket for an workplace visit. The RVer Insurance Exchange, in partnership with the Escapees RV Club, is a wonderful place to start out researching health insurance coverage available to you as a full time RVer.
Join an RV club.If you’re a frequent RVer, there are numerous club memberships out there that can assist save you tons of cash every year. Good Sam, Passport America and Escapees all have affordable yearly membership subscriptions. The golf equipment provide you with discounts of up to 50% on thousands of RV parks and campgrounds throughout the nation.
If you trigger an accident together with your RV and somebody is injured, this coverage might help pay their medical bills and lack of revenue. GoodSam has insurance policies where you’ll be able to “flip off” sure coverages while your RV is in storage. If I keep in mind accurately the period must be for a month or longer. They don’t need to be doing this for per week or two at a time.
So, as you’ll be able to see, you received’t get much in your stuff unless the whole RV and every little thing in it goes up in smoke, even when your policy says that $20,000 of private belongings is roofed. In the occasion that there’s a partial loss, like theft of just some gadgets, there are caps on what is roofed. With National General, if the theft happens inside your RV, then the cap is 25% of the total worth of all the Personal Effects coverage that you carry.
It’s usually cheaper than paying another company for this service. Our agent made sure we added within the Replacement Value safety possibility on our plan. Click To TweetThis choice ensures you obtain coverage of the complete substitute cost on your RV. For instance, if we had a complete loss of our trailer we’d get our full buy worth again to obtain another trailer.
The company provides quite a lot of coverages that transcend the fundamentals. However, where National General actually stands out is thru its help for its clients. Even although RV insurance for full-timers tends to be pricier than for part-timers, it acts as both home and auto insurance for you. This is why you need to have a enough RV insurance coverage.
For two folks living in an RV full-time, the common cost is about $2,275 per month. So I know each month what my insurance prices and payments are going to be a head of time. That really helps when on a hard and fast income, and a tight finances. Progressive and National General each had additional coverage for private property with higher quantities available for further cost. I don’t recall what the included amount was however we elevated it to $25,000. But refusing to cover private property in my RV has, ‘broken the camel’s again’.
Many RV insurance companies have an choice that allows you to put your coverage on pause if you aren’t actually on the street together with your RV. Since nearly all of individuals solely use their RV sporadically, this is usually a dramatic difference in cost versus simply paying for the insurance full time. three) Full-Time Coverage – If you will be utilizing the RV as your home, remember to let your insurance know.
If your policy is with Jewelers Mutual Insurance Group, log in or name . Access your policy online to pay a bill, make a change, or just get some info. With only a few clicks you possibly can look up the GEICO Insurance Agency companion your Professional Liability Policy is with to find coverage service choices and make contact with info. With just a few clicks you possibly can search for the GEICO Insurance Agency partner your General Liability Policy is with to seek out policy service choices and contact information.
If you’re choosing further coverage like roadside help, prices will go up. How much your RV insurance will cost is determined by elements such as the vehicle’s class, whether you live in it full-time or use it sometimes, prior claims, and your driving historical past. RV insurance could not cover the vehicle that tows a trailer, so you’ll have to have a separate auto insurance coverage. Plus, RV insurance isn’t essentially required by regulation for towable homes, whereas motorized vehicles will need to have insurance.
And since you’re bringing your own home on the street, you can stay right here for some time without worrying in regards to the sky-high cost of housing in the state. Summers can be sizzling in Virginia, but not almost as scorching as states farther to the south. And even though winter isn’t one of the best time to visit, you won’t suffer frostbite when you do. Temperatures are usually livable in an RV most of the 12 months here.
Bodily harm –Pays for the prices incurred when you harm someone whereas driving your RV. People usually spend between $1,000 and $1,500 a 12 months on their RV insurance. However, insurance rates differ according to several factors, including the worth of your vehicle and the place you reside.
Family Motor Coach Association members have precedence access to the trade’s leading RV insurance consultants. With FMCA RV Insurance, members can choose from the business’s top RV underwriters at the best rates. Trusted tools that save time and produce you peace of mind.
Bigger models with more features are more expensive to repair or substitute than smaller, less complicated RVs. There isn’t a “one-size-suits-all” possibility in relation to full-time RV insurance premiums, but there are a number of elements that can have an effect on how much you’ll pay. This sort of coverage is designed to cover your legal liability in case you’re at fault in an accident that harms one other person or causes damages to his or her property. This type of coverage will shield you irrespective of who’s at fault and can cover the costs of the damages brought on to your RV should you’re in an accident with one other vehicle.
What actually stands out about Nationwide, however, is the number of reductions out there to policyholders. The Full-time Protection Plan covers private liability losses, aside from in an auto accident. All insurance merchandise advertised onReviews.comare underwritten by insurance carriers that have partnered withHomeInsurance.com, LLC. HomeInsurance.com, LLC could receive compensation from an insurer or different intermediary in connection along with your engagement with the web site. All insurance products are governed by the phrases, circumstances, limitations and exclusions set forth in the relevant insurance coverage.
Just driving, pulling, maintaining, gassing, and parking a “big rig” could be stressful. There are many RV sorts to select from and there are pros and cons for every type. There are Class A, B, B+, and Class C motorhomes, fifth wheels, and travel trailers of varied sizes. You might have to tow your RV, or your RV could need to tow your car. But this transition from living at a set address to living in a transferring box that’s about 1/10 the size of your current home adjustments EVERYTHING.
- During this time we now have tracked our expenses extremely carefully so we all know precisely the place every dollar spent has gone in direction of.
- Make sure your RV is covered with the best RV insurance coverage throughout weekend street trips and long household vacations.
- I would rate them much decrease if it was attainable, if you at present have RV insurance with GEICO, my suggestion can be to chop your losses Immediately and FIND ANOTHER INSURANCE COMPANY!
- I’m ready to change insurance carriers, even when it costs a little extra.
We had National Interstate at first and had been very happy with their speedy payment in overlaying a very massive claim. However, their Personal Effects coverage just isn’t adequate, so we’ve National General at the moment and are still purchasing. All of those reimbursements may be subject to your total coverage deductible or may have a specially utilized Personal Effects deductible (for Nationwide it’s $250). On the other hand, the “outdoors the RV” coverage with Nationwide is more generous than National General at 25% of the whole Personal Effects coverage somewhat than 10%. The variations are all in the nice print, which no one likes to learn. These are notes from my very own recent calls to 7 totally different insurance agents representing a variety of providers.
Just note that vacation liability is included together with your full-timers RV coverage. Unfortunately her supervisor is now on vacation and he or she has “scheduled an appointment to review along with her supervisor in 2 weeks except she will be able to get to him sooner.” I turn into a pest. It gets reviewed and not as a result of I hear from GEICO, however as a result of I call and happen to get through I am informed that what I offered was exactly what they needed and my claim is accredited. She says I actually have coverage for alternate living and that it is MY RESPONSIBILITY to GET AN ASSESSMENT of the damage from an RV repair company and submit to them. I spend the next 2 weeks making an attempt to arrange an unbiased evaluation to no avail and at a median cost for an estimate of $399. I am offended, pissed off, really feel abandoned, and I have spent hundreds of dollars of additional money out of my pocket at this level.
We wouldn’t have any military or authorities advantages, either. Here, we will explore some options, and we are going to try to provide sources the place you can collect extra information. However, fortunately, we now have an expert in our RV-Dreams Family. Added to the mix is a bigger emphasis on prescription drugs. The potential for added medical wants similar to diabetes care or CPAP tools is larger too. This extra care must properly supplement Medicare provisions, whereas not breaking the bank of those who may be retired or on a set income.
So, you’ll most likely have to move to a few totally different places each month. This will permit you to experience modifications of surroundings during your RV travels, all the whereas allowing you adequate time to discover and chill out at each location. I was once with National through Farm & City but lately changed to Geico. Not a giant fan of the lizard, but that they had nice rates and I have $20K in private property coverage. Both are brokers who will discover one of the best fit/deal for you, and both are online. We have used Explorer RV since 2003 and have been quite joyful w/them.
The cost of RV insurance varies broadly depending on a variety of elements, but can cost as little as roughly $125 per year. If you’re contemplating insurance on your RV, a provider will doubtless think about factors like the kind of RV in addition to its age and situation. How you intend to use your RV will also impression the price of insurance—full-time RVers should pay greater than weekend warriors. Finally, your premium will rely largely on the categories and limits of coverage you want. States don’t require RVs to be insured if they’re being towed behind a car or truck; models with their own engine, nevertheless, require insurance similar to a car. Even if it isn’t required by regulation, RV insurance coverage can provide liability safety in case someone else is injured whereas visiting your RV.
If you’ve an older model with many miles, you’ll in all probability end up paying extra for your coverage. Additionally, some companies offer pet injury coverage, which can cover your pets in case one thing occurs to them on the street or while you’re parked. Other insurers additionally supply emergency expenses coverage, which pays for lodging or travel if your RV is broken or destroyed by a covered loss greater than 50 miles away from your home.
Or you’ll be able to set your personal reimbursement rate which might information insurance adjusters after you filed a claim. The company additionally, as a regular feature, consists of protection for any merchandise that attaches to your RV, including satellite tv for pc dishes and TV antennas. Nationwide presents a broad range of premium reductions on RV insurance.
Just stay in places for longer and travel shorter distances! If you could have a diesel RV, you can save cash on gasoline by getting a TSD Logistics card. You can even get a Good Sam Club membership to save a few pennies per gallon on each gas and diesel.
Your homeowners or renters insurance may cover your private property, even when it’s saved in a storage facility away from home, so examine along with your insurance agent. Most states require that you carry liability coverage whereas driving your RV. Full coverage could also be optional, however when you skip it and are concerned in a collision, your bank account might take a major hit. Before turning down full coverage, contemplate whether you would truly afford to pay for any damages, as well as different individuals’s medical bills, when you’re at fault.
I am going to talk about these two points as a result of they get such little attention, yet are normal and pure wants. Whether it’s from embarrassment or ought to go into the “an excessive amount of data” category, I get these questions in a whisper from many curious full-time RV wannabes, so I am going to handle them. Depending on how well a company manages its campground will determine the possibility of such occasions taking place to you. While studying campground reviews can help weed out the unhealthy locations, typically you can’t keep away from less-than-stellar campgrounds.
Most of these are belongings you’d have to think about no matter the place you lived, however the first level beneath is particular to these needing nomad health insurance and should not be taken flippantly. These coverages are supplied as primary insurance for both pleasure and full-time RVers. This coverage pays earlier than any other policy to restrict the need to file a owners insurance claim. This RV coverage helps shield you in opposition to drivers who don’t have liability insurance or lack the cash to pay for accidents and damages they cause to you, your passengers or your RV.
What I will point out is that back then we wanted the recommendation of a neighborhood insurance skilled to assist make sure we had been considering correctly. The one additional factor he really helpful was a plan with a Health Savings Account function. For more information on HSAs, click on thisHealth Savings Account Link. Given our information of COBRA, we understood that there was an excellent probability that we could get pretty good rates on our personal contemplating our age and good health.