Well, one sense you could have come at it from a nutritional aspect, some people would say in terms of more what raises your energy and is in alignment with the truth, I mean there's different angles. Some people that are more concerned with health of the body would see it maybe more from a nutritional standpoint of taking care of your vehicle and keeping it clean and clear and flowing and open and vibrationally others may see it that way. There's more that food is still just like a backdrop to opening your mind to this inner guidance and so it's like the mystics and the saints reach a point where fear or lack or limitation is released from their mind. So you might say it becomes a moot point, it's like they don't really need to eat but still they're guided and flowing along maybe as a teaching device. Jesus is a good example, you know, he would make references that he had the disciples, the apostles were concerned about him not eating enough while he was doing all these teachings with the masses and he said, I have manna from above. In other words, I live on light, it's I don't live on fish and bread, I live on light, but yet he still seemed to eat the fish and the bread. He seemed to eat with the apostles. It made him a better teaching example. It would be hard to relate to Jesus if he came to earth, he seemed to walk on water, he never put anything in his mouth, he never defecated, he never took a leak anywhere. I mean it would be like alien, look at the alien over there and you can't relate very well from a human being to an alien, but if you see someone, it still comes down in the same context of follow your inner guidance and that could be, you know, to eat vegetables or to eat fruits. It could be in the ultimate sense I think for me it went to join with your brothers and sisters wherever you seem to be, whatever country, whatever culture and part of the joining is not throwing up any limits or barriers, so I was told early on, eat whatever served and which is a discipline of mind when the ego has preferences of what it likes, what it doesn't like, what it believes is healthy, what it believes is unhealthy, it can throw up all kinds of blocks and roadblocks and this was a way of saying no, don't make food an issue at all, join without having food be a block. Whether you get into food or sexuality or a lot of different areas which seem very important in human experience, the answer is always going to be follow your guidance because the mind that believes it's in this world has set up blocks to truth or love and now it's up to the spirit to join and remove those blocks and in that sense it's highly individualized because even though there's only one ego, the way that that ego plays out in terms of human beings is it plays out in terms of enormous variation so for someone who may be guided to eat a piece of meat as part of their loosening from certain restrictions and limits that they've placed on their mind, someone else may be guided to eat vegetables and fruits as part of that loosening of those rules and rigid restrictions so that's why we can't really make broad sweeping generalizations about never eat a piece of meat or never have sex or never do, you know, those kind of generalizations would not be helpful because only the spirit knows what's best for someone at a given point. Like for example there was in the early years of The Course in Miracles in the 1980s there were two pioneers, a man and a woman named Barbara and Robert Varley and they had done rebirthing for years, they had had the Course for years, they began working on a daily basis getting up at four or five in the morning reading the Course and the Lambsa Bible and all these spiritual texts, very devotional life, they had been vegetarians for years, they actually got into microbiotics, macrobiotics and it was a very disciplined eating routine and they were told in their macrobiotics books do not attempt to drop this diet and start eating meat immediately from this diet, that there will be enormous consequences to your body if you attempt to drop this diet immediately and they were praying with the Holy Spirit and asking about this and they received guidance that they were to stop eating a macrobiotic diet. The next day they received an invitation in the mail that invited them, they lived in Texas, to a Texas style barbecue, pork and beef and chicken, these kind of barbecues, they bought barbecue many different kinds of meat and it's all meat, meat, meat, meat and they prayed on it and they were guided by the Holy Spirit to go to the barbecue and to eat the meat. So they did and there were no ill effects. So it's again, it was a powerful experience, much like the Ram Dass story of the guru taking the whole handful of powerful LSD pills and showing no signs or reactions for the Varlies who were working with the Course, that was a powerful experience going to that Texas style barbecue right after having months and months of a very rigid macrobiotic diet. There's nothing special about meat, nothing special about macrobiotics or vegetarianism or whatever but these are all just symbols that the Spirit uses to show you of your invulnerability of the power of your mind. So it's good news. It takes away a lot of neurosis and guilt about, oh the belief I've eaten the wrong thing and I was actually in South America in a mountain town, it was in a valley and I was at this town in a spiritual community and some of the teachers had come there and had told them that people were eating meat and that they were at bed karma and they were bringing all these ill kind of things upon themselves and the teacher actually accused these people in this town of Medellin and said that they smelled like dead meat, told the students and the students had some guilt over this. So when I got there they had many questions about karma, about eating animals, and so forth and we had to take it way back into the mind from the actions you do or don't do in form but it's the belief structure where the guilt comes in and then when you free yourself of those beliefs then you experience your innocence and that's when you have health. Health is a state of mind. It's inner peace. It's not doing the right things in form.  Symptoms are just chosen by the mind and symptoms are made to reflect guilt or project the guilt from the mind onto the body. So if you seem to have a sore body or an ill body or a painful body then those are projections and when you have contact with your divine innocence then the body is neutralized you might say and it's kind of subtle because you could say well then that means if I work with the course then I should feel really good. My body should feel real good and that could be taken to I should have lots of pleasure and no pain and when you read a course workbook lesson like 136 you know basically Jesus is teaching in there you can tell you've practiced well in the mind training by this the body should not feel at all. Oh well it should not feel at all. That's a lot different than feeling well. So it shouldn't feel well or ill. It becomes more like meditation when you sink deeper and deeper into meditation and you go deeper into those states and you literally lose awareness of the body. That's a more accurate approximation of where this is heading than to think that I'll have nothing but pleasurable experiences because pleasure and pain both physically and psychologically are both part of the ego's continuum and when you wash your mind free of the ego you're basically coming to a state of joy or intimate love that's divine and that's where this is heading. So we're painting a more accurate picture here not thinking I'll just use the course and have all the pleasure maximized and eliminate the pain. It's a much deeper than that and that's very important because Jesus says in this world you're so confused that you can't tell the difference between joy and pain and when he puts that line in there then it just shows you how deep the mesmerism is. For most human beings they would say well I sure can tell the difference between joy and pain but it just shows you how deep the mesmerism is and how much clearing you have to do to come to this state of non-attachment or bliss that's based totally in the present moment which is causeless in the sense that it's a natural experience but there's nothing in the world of form you might say that there's no person, place or thing that can bring you that joy it's just what you are and when you've removed all the attachments to the person's places and things then you simply naturally are what you are and it's a very wonderful experience. It's typical in interpersonal relationships when you find somebody and oh no one's loved me this way and nobody's done that to me and nobody's made me feel this way well the flip side is when that person says goodbye there's some sense of loss or sadness or deprivation and that shows right away that the ego motives were involved whereby if you're in your function if you're simply radiating and shining your light and your love to everyone that you come across everyone you meet when they say goodbye you just do your namaste and send them off their way with their blessings and there's no problem so you can always tell the egos involved when the flip side comes in when you start feeling a sense of lack or deprivation. Yes but to me it fits in with the same topic we talked about of food that it all comes down to guidance the spirit knows what's best for you at any given point of the awakening and once you start to see that everything in your world is symbolic that everything in your world is a reflection of your mind and even when you're just beginning to see glimpses of that you still will receive guidance of what to say what to do where to go what to eat and in terms of who you spend your time with whether it's to be with a group of people or with a person as a partner or by yourself off meditating maybe at a retreat or off at a hermitage or whatever so it still comes back to that intuitive following that's so important and you might say that what seems to be a partnership is still a teaching learning opportunity in which you clear your mind and beyond that in other words we could just use Jesus as an example of a mind that that clearly is unified by the statements that made I and the father are one before Abraham was I am this is a mind that's not in time and space even it's speaking it's like eternity speaking you know seemingly through a man and yet 12 apostles why 12 why not 11 why not 13 why male you know the times historically you know had something to do with that in terms of being received and being respected there were women in the your answer book it talks woman core there were many supportive women that were part of Jesus's ministry that they really didn't make it through the Bible and everything but they were very involved but but in terms of the apostles you know is 12 men they this is part of a specific prearranged plan in which the symbols are being used by the spirit as part of a teaching device so in my case I've certainly traveled around there have been times I've been partnered up with people I've been partnered up with singer songwriters that has been very helpful in terms of sharing this with the music I've been partnered up with translators I've been partnered up with those that have traveled with me and at times I've traveled solo the form has has varied but but you might think of each particular form as as an opportunity to let the symbols be used for example recently I have been partnered with Kirsten and when I traveled to South America the questions that came from the audience were relationship-based weren't so much tell us about mysticism or tell us about meditation or contemplation or you know it was ah give us the inner workings of how you and Kirsten live on a daily basis tell us of your experiences and a lot of people that were boyfriend girlfriend or husband and wife came to the gathering because the symbol of a man and a woman side-by-side was something they could relate to and they were more likely to come to those gatherings and ask those questions because of that symbol so for me I've just tried to stay wide open and let the spirit use the symbols in whatever way they seem to be helpful and over time that has seemed to change and so right now I'm I'm here and in Denmark and I'm on a tour my wife Kirsten's on a tour doing in for Danza and the United States and I'm here with Anna my friend from Sweden and you're here and we having these gatherings and this is how it looks right now seemingly it's just the spirit use of the symbols yeah I think it's I see it purely in terms of a state of mind that that my function is to be happy my function is to be joyful to be peaceful I don't really think of my function in in physical terms anymore and so I'm just as much in my function when I'm the body seems to be speaking is when it's not speaking or when it's traveling about or it's you know pushed up somewhere in a tree or in a meditating by a river or on a couch somewhere it's a state of mind function for me and it's been freed of all concepts and ideas that really involve form it certainly wasn't that way I mean I felt early on that I was the construct of David was very shy and so I certainly you know David would never have chosen a speaking function but that's part of the way that played out where the spirit wanted to so to speak use the puppet and speak you know through David in many places and many cultures and so forth so that's the way that it seemed to play out but there came a point where it was like oh my functions just to be happy and I could say internally happy based on my following of the spirit not based on getting outcomes that I want had nothing to do with with travel or partnership or friends it had nothing to do with money or resources or beautiful places or you know any of the things that the world might associate I'll be happy when I get the picture to come out a certain way it had nothing to do with any of that it's just I call it happy with for no earthly reason that's the best I mean that's the only happiness is happy for no earthly reason because you're happy because who you are you know how your source created you that's that's where perfect happiness resides because it can't be touched God's not changing God's mind and God gives only perfect happiness so that's that is the perfect flow and the perfect extension of being happy all the time so that's your state all the time yeah yeah happiness I stay happy in fact I think that's one of the reasons why people even invite me is they go hmm he seems happy and and people want to be around yes authentic happiness you know I mean certainly all of us tried to be happy through we could say ungodly means or perceptual means where we've tried to get the right things the right combination of things in our life or to accumulate or possess or to control and that never resulted in lasting happiness but but being in the present moment you know is a natural high and natural happiness and so the invitations come and they still are coming but also I just follow the prompts if I'm guided to just go off and and into seeming obscurity and just be in joy and bliss in that state of mind it will be of benefit to the universe because it's just a state of mind and so that's why I was talking with Anna today and I was saying yeah I have no I have no interest in the future I've absolutely no interest a complete disinterest in the future you might want to go to a psychic and kind of get a little snapshot of aren't you a little curious and say no it's I'm not I don't my mind doesn't work that way anymore I'm not looking ahead to anything I'm very content with right now and so when people say you know how will it all end you know in one sense the ego ends once you've released it and forgiven it and then you just radiate God's love and the past and the future are not part of that equation anymore it's just present joy yeah you you could say that it's the spirit works with the mind with whatever it believes and you could say that those are still concepts and in one sense we could say a golden age of humanity would be a better illusion then yeah and yet just the idea of a better illusion you know implies that I guess you could say in the helpful way that it would be a peaceful experience with perception and what I'm saying is it's possible to train your mind to have that experience now in fact it's inevitable that you can only have it now so when you try to put it on the timeline and then you get into things how many years before I'm and sinlessness and innocence and then just radiating that so it those kind of ideas just don't it's like they don't register I don't have I have nothing in my mind to hold the idea of a future golden age and yet from a place of blessing I can see that that is for many people that's a goal that they use as an incentive to do their practices you know because they they believe in time and that's something that can be used as an incentive a concept that's an incentive for them to to do their work to do their practices yeah or lots of different rituals or techniques or something that you're supposed to practice diligently you know repeat over and over and over and over whereas this is talking about starting to discipline your mind and getting closer to that point where you can start to let go of the rituals and become so intuitive that you flow and there's a part in the teacher's manual of the course of miracles where Jesus is asked you know you know how does the how does the teacher of God spend his day and Jesus answers you know to the advanced teacher of God this question is superfluous in other words it's not even something that is a question it's so spontaneous to the advanced teacher of God life becomes so spontaneous how do you spend your day is something that never gets asked because you're in the moment and that's how you spend your day moment by moment would be the answer but you see in terms of things like with chakras that's the symbol of opening you know chakras ready representing different aspects of your experience and the base chakras and then the higher chakras and so forth those are symbols that that are very much when you go into Indian philosophy and teachings and so forth they're very basic very well-known when you get into something like Christianity or something you know that are not universal but that they're just symbols that of opening of clearing away just like working with energy you know raising the energy coming to higher energies now the ego can use any of them for its own purposes as well in terms of comparison you know your higher higher energy someone is higher energy than another person that's a comparison or a more purified aura oh this color is better than that color or this color you have a more perfect or more pure it's still judgment it's still comparisons and it's still personal and so you can see that even when you start to get into psychic states and more psychic phenomenon or phenomenon that seem to be more other otherworldly or more beyond the everyday perception the ego still is right there wanting to use those psychic abilities or those phenomenon to reinforce its specialness you know a special or a special mantra a special state of mind and I remember early on when I was reading a lot of non-dualistic books early on I popped open a very thin book by it was talks with Sri Ramana Maharshi and I opened this book up and there were all these people asking Ramana Maharshi about the yogis you know some could change colors and I believe in that book that I read there was something about a yogi that would would turn himself green and fly and of course I was extremely impressed I was like oh my god for that kind of state of mind it was saying you know don't get caught up in the phenomena whatever they are you know realize that there is a grand surprise and that grand surprise is self-realization it's the the awareness of who you are as as you were created by your source so along the way don't get caught up in any temptations with the psychic phenomenon and I've really taken that to heart so that when I've had kind of supernatural experiences or phenomenon it was very ordinary it was almost to be expected like miracles are natural these phenomena oh yeah okay could come they go no big deal nothing to go on and on about and and other mystics like peace pilgrim who said the same thing you know she had experiences with feeling total absolute connectedness and oneness and like flecks of gold coming down from the sky and and the plants all vibrating around her as if coming to life with colors and she said that they're relatively unimportant the the experience of the oneness however and the connection that's what's important the you realize that that's the focal point and you will make everything much simpler because particular systems have many different symbols and can seem to be quite complex and then when the ego starts to do this comparing and contrasting it even gets more complex that's just telling you know it's not it's not the way when you can come back to how you feel experientially and let that be your guide that's I call that being very intuitive and that intuitive experience is your guide not what some guru said or not what some master said all the words are they can seem to be very inspiring they can be point you in the right direction they can reassure you they can comfort you but in the end it comes down to your experience your authentic experience which I would say is being present once you can be present and feel that love then can you know that that's you've done well in your spiritual journey yeah yeah certain states of mind it can seem to come and go sometimes people will have a mystical experience and then when it seems to be covered over or it seems to fade away then the tendency can be to start you know to try to get it back and yet they had no experience no essence of what they did to even bring it on much less get it come back and again that's still seeing it on the timeline so when people say well I had a revelatory experience ten years ago but I haven't had one sense then it's just plucked from the now which is what it is and put on the timeline as if it's just pigeon-holed into some little place ten years ago or whatever and that's that's not it at all oh just just to be really gentle with yourself be very intuitive authentic and and have fun I mean I'm teaching and sharing that the present moment is fun it's playful it's spontaneous it's it's not so serious a lot of times when people work with the course and other metaphysical systems it's become so so serious almost like like okay I can't be playing and playful and joyful and that's really how you know that you're in it and I always tell people if your practice becomes too serious or your pathway becomes too serious and you should really contemplate being open to another another that the ego is taken over your spiritual path and you need to come back to authenticity and and give the ego a little gentle nudge and say enough of this well not for everyone I mean it certainly I say against it it comes down to inner guidance and people work with the book in different ways it was helpful for me so I just have used the symbols but now when I join with people you know we just join in the flow of the spirit and whatever comes whatever comes and it looks how it looks so I'm not affiliated with the course of miracles or or any particular pathway or tradition or country or anything now and it feels very expansive and universal and very natural thank you blessings blessings I can finally let go I am free I can let my true self show I am free isn't all this time it's been here I can finally


Hi again, I am Varad from the onboarding team and thanks for joining me for this edition of the daily SEO fix. In the previous videos we got to see that how we can add additional modules to the custom reports even though we're using like a specific template but did you know that those modules can be personalized as well and for that what we have to do is we have to go to the design report stage in the report creation and in this report now we can see that there are all of these modules we are going to scroll down to take an example of the keyword modules. Now there are two keyword modules here as you can see track keywords overview this particular module is telling you about the track keywords that have increased in the rankings and then this module the second one is telling you about the track keywords that have decreased that are dropped in the rankings. Now you can use this edit option just besides the title of any particular module to explain about what this module is about. Now we have two modules for the track keywords and this one we are going to do let's say drop rankings and the other one what we can do is for this one we can do increase rankings. Now once we have this inserted here we can also use this option to add a note as well. Now what we have to do is we need to simply just click on this icon and track this note module to anywhere in the report that we want this note to be and once we have added it here we can insert specific details about the particular module like above this we have the key track keywords module that explains as the keywords that have increased in the rankings we can add specific information in the module as well and that will help you in making this report transparent to the stakeholders and it will be helpful for them to understand what this data is about and how is it important. You can also use the markdown option at the bottom of the notes module or you can also choose to add even a few colored borders as well in case you want to make this note stand out. Now these tips and tricks are available with the custom reports but it depends on the subscription level that you're on just keep this in mind that once you're on a medium plan you can have all the report templates but don't worry the custom reports are fairly customizable even if you choose to start from scratch you can do everything from scratch and the report will be fantastic. Thanks again for joining me for this edition of the Daily SEO Fix. Have a great day.


We're all feeling this one. Here's a large heart. Let's get it. Alright guys, here we go We got some native blue open here. We're gonna do some galaxy colors classic Johnny Q Galaxy colors, and yes, I coined it Johnny Q galaxy Cuz that's where it is. Oh, baby. Oh, baby. We got some purple baby. Oh, baby. Let's get some black baby Well, them squirts lot of squirts parts more I need more bottles baby All right guys, here we go. Let's get it. Boom. Oh, baby. Oh, baby Ready results look like that. I love that


You asked for it and now it's here I'm going to give you all the information you need to purchase the right RV insurance policy for you Hey everybody, it's Robin with creativity RV and welcome to episode 23 of be a nomad change your life My Sunday series where I try and give you every tip and trick you need to hit the road full-time and The link to the entire playlist is below if you need to catch up on the past 22 videos But today, I'm going to be doing a total video on RV insurance You guys may have seen a little video I did a couple of months ago where I got into a fender bender in a safe way parking lot in my RV And I was surprised down in the comments that a lot of you had questions about RV insurance now I'll tell you here when I said that I escaped corporate America to go live in my RV and be a writer Which was my dream my whole life I worked in insurance before then and so this girl knows a lot about insurance But there was a lot of things that I did not know that I did research on for this video So let's get right into it So in a second here I'm going to tell you how to choose the right place for your coverage And if you can be covered full-time and what happens if you get into a wreck and you can't live in your RV All of that stuff is going to be covered in just a second But first of all, I'm going to be giving you guys a really quick one-on-one on your insurance So go ahead and pause me And go get your insurance policy because I am going to go ahead and walk you through the basic coverages It's very important that you understand what these coverages do for you Here's something I want people to know I am sure that I'm going to get a lot of comments below about how insurance companies are trying to rip you off And what a terrible experience people have had and I know that people feel that way And that is true sometimes But what I want you to know going into this discussion is that you have total control Over what your coverages are you just have to understand them and just know this right from the beginning When you have an insurance policy It's a contract between you and the company and they cannot vary from what that coverage is So if something is covered there, they have to cover it But the flip side there is that just because you had a terrible accident and you're in dire straits And you're a really nice person that doesn't mean that they can give you more coverage than what's in the policy so the coverage is what it is and There are a lot of people out there selling insurance now that don't even understand the coverages themselves So I recommend that you ask some tough questions and then get a copy of your actual policy And I know like I hardly ever open that envelope like most of you open that envelope And if you don't have the coverages call your company and ask for something called a declarations packet or just That you want a copy of your coverages and actually look at it and read it. They're not that long They're not that hard to understand. I think it's kind of important So let's get into the coverages coverages for your motor home or your van or B plus or whatever are going to vary by State, but there are some basics. So the first thing that you're going to see when you look at your insurance packet is something that says B. I PD and that is bodily injury liability property damage Without fail in every state. I've ever seen that is the first thing listed. So Let me explain what this actually means You might see something on your auto policy or your insurance policy that has a slash in it like let's say 100,000 slash 300,000 or 255 hundred if you have a car in some states, you can have as low as 25,000 slash 50,000 this bodily injury coverage pays for the other person's injury in some states or pain and suffering or Death if you kill them and we drive some heavy vehicles out there, but here's what it really does it protects your assets So when you're thinking about what you need Don't necessarily say I want the state minimum. I don't want to pay anymore. It's a ripoff necessarily you want to look at what your assets are and You also want to look at what your retirement savings are because they can also look at that. So let's say that You have a hundred thousand dollars in assets and please I don't know if you have less or if you have more I'm just throwing that number out Let's say that you have a hundred thousand dollars in assets and you have twenty five thousand dollars in coverage What will happen is the person that you hit could get twenty five thousand from the insurance company And they can go after you for the other seventy five thousand So it doesn't cost very much more to bump up your coverage to the level that actually covers your assets So I recommend that you do that and look you can call the insurance agent or the 800 number whatever you go through and say I've got this coverage right now How much more would it be every month or every six months or every year if I bumped it up to the next level? Another thing to consider is what that slash mark means. So like I said, it might say 100 300 what that means is if you hit and hurt one person You've got a hundred thousand dollars max in coverage And if you hit and hurt more than one person up to many people you have 300,000 so that's what you want to think about if you have a company that does something called a combined single limit or it will say CSL then you're going to see something like 500 CSL and that probably means 500,000. So just remember Bodily injury covers the other guy's pain and suffering, but it's actually covering you so you don't get sued later The next coverage you're going to see there is property damage Same thing goes here that covers the other guy's car if you hit them that amount does not come out of bodily injury It's totally separate and just comes out of property damage or PD. So same thing here Let's say you have $25,000 in coverage and you hit a $50,000 car They can come after you and in my experience you can like triple the property damage coverage for like $3 a year So ask because this is not an expensive coverage to bump up I just noticed there's a big old shadow behind me So if you guys wonder where I am You may have seen a video come out already that I am stuck in a house for four days and I explained that in the video But sorry about the shadow after you look at your policy for bodily injury and property damage I'm going to skip past everything else now and go right down to the bottom you're going to see something that says uninsured underinsured motorist coverage and You're going to see a number there or you're going to see that it's waved Now listen to me people This is the most important coverage to me hands down that you need to have On your motorhome policy or your car policy and please get the word out to people You can in a lot of states reject this and in most states if you do you have to sign something saying you understand You're rejecting it. So let me explain what this does for you You know how the bodily injury we just talked about Covers the pain and suffering and possibly medical bills and death of the person that you hit Well, if you get hit by somebody and they don't have insurance or they don't have enough to cover you It's this uninsured underinsured motors that covers you not the other guy So don't wave this coverage in my opinion do what you like But in my opinion you should not wave this coverage because it's the only thing that will cover you If you get hit by an uninsured person, and I don't know I think in the last state I looked at 34% of people on the road are uninsured or they're going to be that jack wagon that has you know 25,000 in bodily injury and you have a brain injury from an accident or something Without uninsured underinsured motorist coverage you cannot get paid on that and again this one is not an expensive coverage It might be 10 bucks a month 15 20. It's going to vary by state Okay, now let's make it a sandwich So we've got the bodily injury property damage up here, and we've got the uninsured underinsured motorist down here Let's talk about all the stuff that you can get in the middle A lot of this is going to be similar to an auto policy and some of it's going to be different So let's go to what people call full coverage Which I actually hated when I worked in insurance because I think it's a really silly way to describe Collision and comprehensive coverage because when people here I have full coverage They think they're going to be covered for absolutely everything and like I said insurance is a contract and they're going to list out everything That's covered and not covered item by item. So there is no such thing as active God Or everything's covered because I have full coverage in most places Full coverage means that you have two things added onto your policy. You have collision and Comprehensive If you're looking at your policy collision is going to be under DD and Comprehensive is going to be under HH for the dorks in the room So here's what you want to think about when you think about collision collision covers your own car if you're in an at fault Accident if somebody else hits you that has insurance You're going to get paid through their property damage coverage that we talked about a minute ago If you're at fault then you're going to pay your deductible Let's say five hundred a thousand dollars and the rest of it is going to be covered under collision Unless that person doesn't have insurance in some states that will be covered under Collision and in other states it's going to be covered under something called uninsured motorist property damage You're just going to have to look at your own state The other important coverage under full coverage is comprehensive and this is pretty important for people in an RV because without this and The collision you can't get a bunch of other coverage as you need if you're full-time in your RV So I'll get to that, but when you think about comprehensive think about everything that can happen physically to your RV Outside of a collision so in fact in some states comprehensive is called other than collision so think about this Flood Like the water comes up through the engine and floods you out That's covered under comprehensive if you're parked and squirrels eat out the wires in your engine That's covered under comprehensive if you get struck by lightning and your electronics are knocked out That's covered under comprehensive or if somebody vandalizes the outside of your RV So you can see comprehensive is super important So collision and comprehensive are the two sides of full coverage and when you have those Then you have the ability to get a bunch of other coverage Here's a good rule of thumb with collision and comprehensive if you don't know if it's worth it The rule of thumb is that collision and comprehensive Coverage usually get less expensive as the RV gets older Until it hits about 10 years old and then it gets more expensive Because it's more likely that they're not going to be able to find a part that you need and they're going to total out The car if something happens So a lot of people get to a certain point and they think that their rig is not worth collision and comprehensive But without it you can't get some other cool coverages that you need inside of your RV So now let's get into some nomad specific coverage questions The first question probably for you if you're a full-time nomad is going to be how do I choose? my state and how do I choose my residence address and Can I even find a company that's going to cover me a lot of you wrote me and said That your insurance company said they did not cover full-time RVers a lot of companies do not so you're gonna have to search Personally I go through progressive their rates are good for me in my state and They do cover full-timers and they offer some good coverages. So you just have to search If you don't want to search go to progressive because in most states they're going to cover you now for the state of residence As a full-time nomad you get to choose that that's pretty cool, right? So just know this when you're looking at Your RV insurance and where you want to have your policy rated think about Where you think coverage is going to be more expensive? So for example You might want to go to a state that is less populated that has more insured drivers And you may want to go to a zip code in that state that let's say is more rural Because the rates are going to be better than say in a city Think about that while you're choosing your state of residence and also your residence address And I'll say here really quick because I'll do a video on this at some point But if you need a residence address you can do that even if you're a full-time nomad for me personally What I did is I went to mailboxes, etc. And rented a permanent box by year Because they don't have a PO box in front of their number So it reads like a street address and so you can use that for your registration your driver's license number and your insurance when you're full time in your RV and The insurance company is trying to decide what state to put you in they're going to ask you something like where do you spend? 50% or more of your time or Where is your RV stored? Most of the time when you're not in it So look You choose your state of residence you decide how long you're going to be there You just have to choose and you have to tell them remember that the people that you're talking to are trying to hit certain Boxes so that they can give you the rate if you go well You know I spend 20% here and I may go to Moab and I'm thinking about Pismo Beach And who knows I might hit Alaska that does not help your cause. So just Choose your place tell them the place get the rate if you want to shop around and you want to see what the different rates Are by state and in different zip codes in that state you can do something called a what-if It was called a what-if when I was in insurance. Maybe it's not still but here is what it means You call the company and you say hey, I want to get a price on a policy in South Dakota, and I'm not sure What my permanent address is going to be yet? We're looking at a couple of different zip codes Can you run them both for me and tell me the price and then you can say something like You know we're thinking about moving to this other state. Can you give me the rate there? They may have to transfer you to somebody else But that way you can do your own little spreadsheet of where you're going to get the best rates By the way, everybody. I know I'm talking fast People say in the comments sometimes I talk too fast I do that because a lot of people that watch these videos are on the road and they have limited data So I'm trying to cram it into 10 minutes if I go too fast. I apologize Please rewind and try and hear what I'm saying again. I know it's irritating for some people But I'm just trying to get it out there So let's get into some RV specific coverages that you wanted to know about in your RV insurance First, let's talk about contents. A lot of you said that you were having trouble getting your contents covered under an RV policy Just know this you have to find a carrier that wants the RV business and you can go full-time or part-time Those contents inside of your RV like your stuff like your clothes Your computer that kind of stuff is usually going to be under a coverage called personal effects Again, this can vary by state But this is usually what it's called in RV insurance and you cannot be covered for this Unless you have collision and comprehensive So do look to get some collision and comprehensive coverage if you can afford it You get about $10,000 in personal effects coverage Automatically and a lot of companies you can raise it up to about 99,000 But that adds on a little bit of premium again Ask them what it is because it's not that much and think about what a financial hardship It would be if you got into an accident and rolled over and had to go out and buy everything again It really does add up fast So you might need you know a good amount of coverage for what's inside of your RV or you might not It's up to you another important thing when you're thinking about your contents coverage or your personal effects coverage is that There's a maximum coverage on some types of contents So let's say that you've got $10,000 in personal effects coverage But you have a big loss in electronics This is one reason that you want to actually get the declarations packet for your policy or ask these questions because let's say you're a photographer or a Musician and you have a lot of a certain type of item There's probably a cap on how much they'll pay for that item. So for example on my progressive policy There's a $500 cap for electronic items like Tablets computers cameras that kind of thing. There is no way on my policy to raise that up even if I paid an additional premium It's a $500 cap and then they'll usually put a cap on for a Category so let's say I had all my electronics stolen. I could get $500 per item with a $3,000 cap for a whole bunch of items I cannot go up to that 10,000 for my whole RV That is one area where they have a lot of losses and so they cap it But if you're not in a category where you're capped like you might be for let's say cash jewelry electronics Musical equipment something like that It would just fall under the big $10,000 umbrella or whatever your coverage is with some companies You can get a writer to cover electronics or like musical equipment for more My policy doesn't have that with progressive I have not found one that does but you might be able to find one remember every state is different now Let's talk about coverage for towing. It may be called J coverage on your policy A lot of you might get something like a triple a towing policy Just know that you might not need that if you have towing on your policy and also remember this towing coverage doesn't only cover towing it usually and it depends on the policy But it usually covers any roadside Disablement so think like you lock your keys out of your car The good thing about this is it usually doesn't have a deductible and it doesn't count against you as a loss So your rates won't go up So if your battery dies if you get a flat tire If you lock your keys in your car or if you need a tow that could all be covered under towing coverage But you do need a good amount if you're in an RV So you might want to get 250 bucks 400 bucks 500 bucks up to a thousand It just depends on the company and finally let's talk about something called loss of use If you have owned a home or you had a renters policy in the past You may have seen a coverage like this on that policy and basically in a homeowner's policy It's like if your house catches on fire and you need to live in a hotel for six months While your house is being repaired loss of use Covers that total expense it covers any increased expense Over what you would normally spend for housing because of that fire on your RV policy if you ask You're going to find that there might be a coverage called emergency expense, which is like loss of use most policies have it baked into the base rate and Some of them you can buy more coverage. Here's how that coverage reads if you are displaced from your RV because of a covered loss Then they will pay up to a certain amount For transportation and for you to be put up. Let's say at a hotel on my policy is 750 bucks honestly when I was researching this I thought I might want to knock that up a little bit because That's not going to cover a lot of hotel expense If I'm in an accident and my RV is being repaired or I have to find a new RV But just remember it has to be from a covered loss So if your RV breaks down, this is not going to cover you It has to be from something like a collision or a flood or something like that So if it's covered under collision comprehensive Something like that and your RV is inoperable due to that covered loss Then you're going to have so much coverage for emergency expense And finally I'm going to tell you guys what you should do if you get into an accident I have taken to almost all the time having a dash cam on my dashboard I use a GoPro to do that just in case something happens but if you are in a fender bender take lots of pictures and I'm talking take a picture of everybody that was in that other car and Take a picture of all the damage take a picture of the weather take a picture of the road All of that can come into play I have seen some claims out there where one person was in the accident and four people claim they were injured you prove that by taking pictures of everybody that was at the scene and They may say that something was at a certain angle or the road was a certain way Take pictures just to cover yourself if somebody else hits you Go directly through their insurance company. It's just a hassle. Honestly if you go through your own insurance company They're probably gonna say you got to go through the other company or you go through your company That's a process They pay you and then they have to go back to the other person's company to get the money back And you don't get your deductible back until that's settled So if you're not at fault to go through the other person if you are at fault look, don't worry about it Use your insurance. That's what it's there for I wouldn't recommend that you put in tiny claims because it's just not worth it but Understand your coverage read your documents make sure that you know your policy doesn't lapse and you should be fine on the road Remember a lot of us don't have Homes and apartments and separate cars. We're not paying for all of those policies The only policy you're paying for is the one policy that you have on your RV If you're like me or the one that you have on your van now if you're in a van and not in an RV You cannot get motorhome insurance. So this is where it can get a little bit tricky You want to get the right coverage for the van itself But just remember your contents are not going to be covered the same way as they would be in a motorhome policy You're not going to have the emergency expense coverage or the coverage for the contents So you're going to have to get coverage for your contents another way You might want to have a separate renters policy and that might mean that I don't know You have a room in a friend's house and you have a box there and you store that stuff there And you get the renters policy there I don't know it's going to depend on what you feel comfortable with and your friends and family and what state You're in for loss of use. I don't know of a way to get that covered when you're in a van So you guys that's it if you have questions about Insurance on an RV or you want to share some story with me, please do so in the comments below Do share this because I have not seen this information anywhere else And I know a lot of us have questions and it's important that everybody gets covered right so they feel comfortable on their journey and Please do smash that thumbs up button because again When you give this video a thumbs up it helps other people discover this video in this channel So I appreciate it if you haven't subscribed already, please consider doing so I appreciate you all very much have happy travels out there and be free