Mobile Home Insurance
Farmers Insurance in Sandpoint Idaho - Stephen Smith Agency MOBILE HOME Special Form Mobile Homeowners Package Policy: Enjoy Carefree Mobile Home Living Property Covered Your mobile home and separate structures are covered for almost any type of damage, except for a few common sense exclusions such as wear and tear, earth movement, flood and nuclear hazard. YOUR SEPARATE STRUCTURES on your residence premises, other than for business purposes, such as a detached garage or tool shed, are covered up to 10% of the amount of coverage on your mobile home. Optional higher limits are available. Personal Property Covers personal property owned or used by a qualified family member anywhere in the world. ON PREMISES pays up to 50% of the amount of coverage on your mobile home anywhere else in the world. If your personal property is located at a secondary residence, such as a cabin or vacation home, pays up to $1,000 or 10% of the On Premises coverage, whichever is greater. While your mobile home is covered for most types of damages, your Personal Property is covered only for damages resulting from the following: Fire or Lightning Windstorm or Hail Explosion Riot or Civil Commotion Falling Objects or Aircraft Vehicles Smoke Damage Vandalism and Malicious Mischief Theft Weight of Ice, Snow or Sleet Water or Steam accidentally discharged from plumbing system or appliances Damage resulting from bulging, cracking, rupture and burning of steam or hot water heating systems and water heaters Electrical Damage to appliances and fixtures (but not tubes or transistors) Freezing of plumbing, heating, air conditioning system, appliances This is not a policy contract but a general description. The policy itself should be read for the overages and exclusions. Additional Coverage TREES, SHRUBS, PLANTS AND LAWNS pays up to an additional 5% of the amount of coverage on your mobile home and no more than $500 per items for a loss by Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a family member, Vandalism or Malicious Mischief and Theft. LOSS OR USE if you cant live in your mobile home after a covered loss, we cover the additional cost of living in hotels, meals, etc. Pays up to 20% of the amount of insurance on your mobile home as an additional coverage with no deductible. Family Liability Protection Pays for bodily injuries to other people, or damage to their property, if you are liable, resulting from: The acts of your pets. The personal acts of you and qualified family members, including activities such as sports, hunting or fishing. The Medical Payments for other people injured on your premises, regardless or liability. Additional Liability Coverage EXPENSES pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees. Also pays expenses you incur at Farmers request, including up to $60 a day for actual loss of wages. Pays the premium on appeal bonds, bonds to release attachments, and the cost of bail bonds. EMERGENCY FIRST AID pays expenses you incur for necessary medical and surgical aid to other people at the time of an accident youre involved in. DAMAGE TO PROPERTY OF OTHERS pays up to $500 for damage to property of others caused by a qualified family member where you are not legally liable OPTIONAL COVERAGE Personal Articles Floater: Extends protection for your personal articles when their value is higher than the limits stated in the policy. Pays up to the limit of the appraised value of the article. Earthquake: Extends protection for damages caused by an earthquake up to the policy limit. Home Owners | Rentals | Auto | Life | Health | Business | Mobile Home Home Email 112 N. 4th Avenue Sandpoint, Idaho 83864 (208) 265-4562 Fax: (208) 263-7866 Site Designed By Sandpoint.com RV Travel So PopularWhy is RV Travel So Popular with Baby Boomers? You are here: About > People & Relationships > Senior Living People & Relationships Senior Living Essentials Social Security Benefits FAQ Medicare Benefits FAQ Ask Sharon: Personal Advice for Seniors Books for Seniors and Baby Boomers Senior Housing: Glossary of Terms Topics Aging Well Baby Boomers Money Management Retirement Work & Volunteering Health & Nutrition Exercise & Fitness Disability Management Senior Housing For Grandparents Marriage & Divorce Dating, Sex & Romance Travel Smart Entertainment & Recreation Law & Government Forums Help FREE Newsletter Sign Up Now for the Senior Living newsletter! See Online Courses Search Senior Living Why is RV Travel So Popular with Baby Boomers? 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Diesel Motor HomePetroleum Equipment Forum - Refueling a diesel motorhome Petroleum Equipment Forum Home | Profile | Register | Active Topics | Active Polls | Members | Search | FAQ Username: Password: Save Password Forgot your Password? All Forums Safety Safe Refueling Refueling a diesel motorhome New Topic Reply to Topic Printer Friendly Author Topic Dick Campagna Rookie USA 3 Posts Posted - 08/12/2003 : 20:46:03 We're RVers who owns a diesel pusher (rear-diesel engine) motorhome. Since motorhome dashboard A/C units are ineffective, compared to the family car, many of us travel with our diesel fuel powered generators while we're traveling, so we can use our rooftop or basement A/C units. The question is: is there a danger in leaving our diesel engine generators running while refueling? After all, there's no ignition components. We do shut down our diesel engines. Dick Campagna GasJock Rookie Canada 1 Posts Posted - 05/27/2004 : 23:16:40 In our world, British Columbia, the Fire Code states that a diesel engine must be off when refueling if you are not 18 feet from a Class 1 fuel dispenser [and grade of gasoline]. Thanks for your INPUT GasJock PEI Staff Administrator USA 56 Posts Posted - 05/29/2004 : 09:16:24 These regulations are up to the fire marshall of the local jurisdiction. Petroleum Equipment Institute www.pei.org Sign up for our electronic newsletter for news on the association and petroleum marketing equipment industry. www.pei.org/newsletter whittingtonm Novice USA 42 Posts Posted - 06/01/2004 : 07:07:56 Dick, Depending on where you are refueling, the vehicle next to you may be pumping gasoline. Why take a chance on igniting those vapors? Mike Dick Campagna Rookie USA 3 Posts Posted - 06/01/2004 : 07:45:31 Thanks for the comments, everyone. We do shut off our main diesel engine and diesel engine genset while refueling, as well as the ignition systems for refrigerator and water heater. Although a diesel engine is a non-spark ignition engine, the main engine drives an alternator and the genset engine drives a generator ... and surely, sparks could be produced from secondary sources. Therefore, since I don't want to take a chance, I shut down everything. It's just that other RVers often ask the question on the 'net and I wanted others' opinions. Thanks again. Dick Campagna Topic New Topic Reply to Topic Printer Friendly Jump To: Select Forum Petroleum Equipment Forum Forum Feedback Young Executives Opinion Polls General Business, Service & Construction General Business Service Construction Supply Sources Help Wanted/Help Available Safety Safe Refueling Job-Site Safety -------------------- Home Active Topics Frequently Asked Questions Member Information Search Page Petroleum Equipment Forum © 2006 PEI Register Now! Snitz Forums 2000 RV CampgroundScary Camping Stories, Campfire Tall Tales, and RV Resources at American Folklore Tall Tales Myths & Legends Ghost Stories States & Regions Famous Characters Campfire Stories Animal Stories Native American & Ethnic Folklore Children's Stories Canadian Folklore Weather Lore | Lesson Plans | Railroad Stories | ESL Reading | Tongue Twisters | RV/Camping --- RV and Camping Resources Scary ghost stories and campfire tall tales make camping fun! Read your favorite scary camping stories below, or browse the handy RV and camping resources to help make your trips easy and memorable. Scary Camping Stories Campfire Tall Tales RV Resources RV Lotto Spooky New England ( The Bridge ) Spooky South ( Tailypo ) Spooky Southwest ( Pecos Bill ) Spooky New York ( The Hessian ) Spooky California ( The Serpent ) Scary Camping Stories Ghost Stories & Spooky Tales The Army of the Dead The ghosts of the Confederate Army still march through Charleston, South Carolina. Bear Lake Monster Be careful swimming in Bear Lake! (Utah) The Black Dog of Hanging Hills A black dog haunts Meriden, CT . A version of this story is retold by S.E. Schlosser in Spooky New England . Black Bartelmy's Ghost Black Bartelmy was an evil, surly buccaneer who murdered his wife and children and went to sea with a band of pirates as nasty as he. (Nova Scotia) The Bloodstain A murdered man haunts the house where he was killed. The Bloody Knife Many and many a year ago, two Micmac warriors from rival villages got into a terrible argument. Harsh words were exchanged and then knives were pulled. (Nova Scotia) The Cursing of Colonel Buck A witch's curse haunts the colonel long after death. The Cut-Off A Louisiana riverboat captain is trapped forever in a cut-off. A new version of this story is retold by S.E. Schlosser in Spooky South . The Dance A girl learns the hard way that you should never dance with the devil. (Texas) The Death Coach The Death Coach comes for a dying man. The Devil On Washington Rock The Devil appears in a dream...and other places. The Devil's Hole A strange horse is sent to a priest to aid him in the building of a new church. (Quebec) The Doctor and the Ghost A ghost helps a doctor save his patient. (Utah) Eavesdropper A Maryland man learns a hard lesson about eavesdropping. The Fifty-cent Piece A couple spend a night at a haunted house. (New York) The Flying Canoe A group of lonely lumberjacks pay a bitter price when they go home for New Years. (Quebec) The Ghost on the Tracks Engineers, beware! There is a flirtatious female ghost aboard the the Atchison, Topeka & Santa Fe. Ghost Handprints Ghosts rescue a car stuck on the railroad tracks. Ghost Train A Ghost Train appears on the tracks three miles outside of Medicine Hat, Alberta. The Grave A woman haunts her burial ground. The Headless Horseman A headless Hessian gallops forth from the Sleepy Hollow Cemetery, scaring the locals. Henry Hudson and the Catskill Gnomes Every wondered who Rip Van Winkle played nine-pins with? It was Henry Hudson and his crew! Invisible hands A couple of Comstock miners meet a couple of tommy knockers (bucca) working the late shift. Joaquin Murietta, The Bandit of the Goldfields A young man turns outlaw after a gang of jealous gold miners kills his wife and his brother. La Mala Hora A woman meets a horrible ghoul on her way to a friend's house. The Lady in Lace A beautiful ghost walks the shores near Pebble Beach, California. Milk bottles Day after day, a woman comes to the store for milk and leaves without paying. Never Mind Them Watermelons Sam Gibb accepts a dare to stay in a haunted house, never expecting to meet a ghost. The Phantom Drummer The sound of a phantom drummer seals the doom of a Revolutionary War soldier trying to desert the British army. Piece-by-Piece A man decides to visit a haunted house against the advice of his friend. Presumed Drowned The souls of five drowned men rejoin their ship from the Ice. The Hook An insane killer, known as the Hook Man, escapes from a local prison and stalks a young couple. The Shadow Train A ghost train stops to rescue a dying man. Wait Until Emmet Comes Three black cats haunt a house in the South. The White Lady A ghost rises out of Durand Lake to hunt down her daughter's killer. (New York) Campfire Tall Tales Arkansas Traveler A lost traveler tries to find a place to spend the night. The Crystal Mountain There is an invisible mountain in Wyoming made of crystal. Davy Crockett and the Frozen Dawn Davy Crockett must unfreeze the dawn. (Tennessee) Frozen Flames What do you do when the lanterns freeze? Call Paul Bunyan. (Michigan) Hoop Snakes Pennsylvania has a particularly mean variety of hoop snakes rolling about. Jack and the Corn Stalk Kansas corn grows mighty fast. The Log Jam Paul Bunyan and Babe clear a log jam in Wisconsin. Mississippi Mosquitoes And you thought your mosquitoes were bad! Pecos Bill and Slue-foot Sue Pecos Bill gets married. Pecos Bill Rides a Tornado Pecos Bill tries to tame a tornado. Sasquatch A couple of hikers encounter Bigfoot while out on the trails. The Twist-Mouth Family Find out what a college education is good for. TOP RV resources General resources RV Advice RV Basics RV-Clubs.us Align-Quick Hitching Guides Lot Swapping RVers, LLC My New RV RV Education 101, RV University RV Minute Radio Program Lightweight RV News Beginning RVers Woodalls: Find places to camp and more Campgrounds Go Campin' & RV Bears Northshore RV Resort & Marina eCampSite Bearadise Cabins & RV Park, LLC Fulltiming America, All Campgrounds Recreation USA Coast2CoastRV.com" Keystone RV Camping Group RV Lifestyle Campground Cooking RV Fun and Games (VWB Marketing) Boyd Productions - RV Park Music RVers Computer Help Your RV Lifestyle RV Adventure Videos RV Living Cottage Publications RVer's Corner Equipment & Supplies Mary Moppins RV Care Tanksetter Propane Tank Safety Stand National RV Siding Ltd. More RVs Alpaca Carriers Mountain Moms (Canine Companion) Carter RV (Rearview Camera) The Masked Merchant RV Upgrades Used Motorhomes Outdoor Stores Drainmaster Pit 2 Go Blue Ox Sisken Sales All Merchant Services Neff Brothers RV TL Sprague The Motor Portal Bonita Productions - Real Travel Adventures Freedom RX RV Marine Mickey Ivey NetRVs4u Wiper Buddy Turning Wheel RV Center About the Author | Awards | Sources | Spooky Books | Stories A to Z | What's New Comments? Email us at webmaster@americanfolklore.net © S.E. Schlosser 1997 - 2005. This site is best viewed while eating marshmallows around a campfire under a starry sky. |
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