motor home super store

Bankston Motor Homes - Your Motor Home Super-store! Bankston Motor Homes - Your Tiffin, Monaco, Travel Supreme, Mandalay motor home super store (and much, much more) !! Bankston Motor Homes has provided Sales, Service and Satisfaction for RV owners and enthusiasts just like you for over 35 years. Stop by and see our huge selection of Class A Motor homes, Class B Motor homes, Class C Motor homes, Travel Trailers and 5th Wheels. We've slashed prices on tons of RVs Check out these Huge Savings! Click Here for New RVs Click Here for Pre-Owned RVs New or Used All Used New Consignments Type All Types Class A Class B Class C 5th Wheel Travel Trailer Conversion Van Bi-Fold Trailer Folding Camper Scooter Price Range Any Price $0 - $25,000 $25,000 - $50,000 $50,000 - $100,000 $100,000 - $150,000 $150,000 - $200,000 $200,000 - $250,000 $250,000 - $300,000 $300,000+ Manufacturer All Manufacturers Air Stream Alfa Leisure Award Beaver Carriage Century Coachhouse Coachmen Coachhouse Coachmen Cobra Coleman Country Coach Chinook Cruiser RV Damon Doubletree Dutchmen El Dorado Executive Fleetwood Forest River Four Winds Georgie Boy Glendale Gulf Stream HI-LO Hitch Hiker Heritage Holiday Rambler Host Hy-Line Enterprises Itasca Jayco Journey Keystone King of the Road Mallard True North Marathon Monaco Coach National RV Newmar Nu-Wa Odessa Overland Peterson Pleasure-Way R-Vision Revcon Rexhall Rockwood Safari Shasta Skyline Sportscoach Sprinter Starcraft Suncrest Sunnybrook Teton Homes Thor Tidwell Tiffin TravelMaster Travel Supreme Triple E Trail Manor Trail-Lite Van America Western RV Winnebago Location All Locations Huntsville Nashville Florence Tampa Jonesboro Montgomery In remembrance of Symphony Gordan... Nationwide delivery! Huge Inventory of RVs! Thank you for visiting Bankston Motor Homes! From luxurious motor homes to 5th Wheels, from travel trailers to folding campers. We carry something for everyone. We feature products from Tiffin, Fleetwood, Forest River, MB Cruiser, Trail Manor, Monaco, Holiday Rambler, Travel Supreme, Trail Bay, Winnebago and more! And we always do what we can to get you the absolute best deal we can! Check out our inventory online or come by and see us. You'll be glad you did! Take a Photo Tour of our Lot! -- Links: Search Our Inventory | Accessories | Service Department | View Our Specials | About Us | Contact Us | Locations | Upcoming Events © 2005 Bankston Motor Homes, Inc. All Rights Reserved Bankston Motor Homes has been providing motor home and RV sales and service to RV buyers just like you for over 35 years. Website monitoring by Killersites.com We are dedicated to helping you find the RV of your dreams. Visit us today and discover the Bankston Motor Homes difference!

RV Parts & More

McFadden's RV Parts & More - Recreational Vehicle Parts & Accessories - Emory, Texas - The RV and everything else! McFadden's RV Parts & More The RV and everything else! Click here to view our catalog To enhance your gas mileage and performance...Check out our friends at Performance Diesel in Emory, Texas. McFadden's RV Parts & More is a full-service RV store offering sales, repair, parts, and accessories in Emory, Texas, and the surrounding area. You'll find one of the largest selections of parts for RVs, trailers, and campers of all types when you visit. If we don't have it, we'll be glad to order it. As an RV owner, you already know it's not easy to locate parts when you need them. Now you don't have to look any further! We have one of the largest inventories in Texas. You are now able to order parts online without leaving the comfort of your home. We will give you a 10% rebate on the cost of parts ordered online. You will simply mail a copy of your online receipt with a self-addressed envelope to: McFadden's R.V., Attention: Online Rebate, 299 S Texas Street, Emory, Texas 75440 (allow up to 4 weeks for processing). If you need any assistance in finding the right part, just e-mail us, and someone will contact you, either by a return e-mail or telephone call, if you prefer. Repair service is also available. Don't let just anyone work on your valuable RV—trust yours to the experienced professionals on our team. We can also help you sell your RV on consignment at our location. With more than 70 combined years of experience, we've become well known for our wide variety of parts and expert repair services. Our courteous staff offers fast and friendly service and will go the extra mile to achieve your complete satisfaction. Contact us today for more information! Hours of Operation: Tuesday- Saturday 8:30 a.m. - 5:30 p.m. McFadden's RV Parts & More 299 S Texas Street Emory, TX 75440-3205 Phone: (903) 474-9448 Fax: (903) 474-9588 Email: mcfaddensrv@msn.com

Mobile home insurance developed

American Association of Insurance Services This article appeared in the Summer 2004 Vol. 29, No. 1 issue of Viewpoint. BACK TO VIEWPOINT ARTICLES Manufactured Housing A new term does not eliminate old distinctions Precise use of language is essential in insurance underwriting. Unfortunately, people in other fields can sometimes adopt terminology that can be misleading for property/casualty professionals. Residential property insurers have long understood the distinction between site-built (or stick-built) homes constructed at permanent locations, and mobile (or trailer) homes constructed in factories and hauled to a site. That distinction in how homes are constructed leads to different property loss experience for site-built and mobile homes, and provides the basis for the separate Homeowners and Mobile-Homeowners insurance programs offered by AAIS. Beyond the loss experience, however, standardized homeowners and mobile-homeowners programs are very similar. AAIS uses largely identical forms in both. Confusion can arise, however, when the term manufactured housing is used to identify mobile homes, as the mobile home industry has done in recent years. That term was adopted by mobile home trade groups to improve the image of mobile homes and reflect the enhanced size and features offered in today's mobile homes. Manufactured housing, however, also refers to modular housing, residences constructed from modules that are assembled in manufacturing facilities, shipped to permanent locations, and permanently affixed to a foundation and adjoining modules. Modules can arrive at a site completely pre-assembled, with plumbing and wiring included. Manufactured housing, therefore, encompasses structures ranging from million-dollar estate homes to traditional trailers. Beyond that, virtually all new residential construction has some manufactured elements. What is happening is that all new dwellings have some degree of pre-assembly, says Tom Underwood, president and COO of Utility Body Works, Elkhart, Ind., a mobile home manufacturer. Even stick-built structures have trusses that are pre-assembled. It used to be that everything was either stick-built or a mobile home. Now there's more of a continuum. While that may be true for residential construction techniques, the old distinction between site-built and mobile homes still appears to be valid for property insurance purposes. The challenge is to make sure that residences are properly classified. Mobile homes stand apart Mobile homes have long been defined as a unique subset of owner-occupied residences, and that is still the case. For example, American Modern Insurance Group, a carrier that specializes in insuring manufactured housing, defines a mobile home to be a factory-built structure at least eight feet in length that is constructed on its own chassis. According to Jerry Wachter, vice president for manufactured housing, the requirement that the structure be built on its own chassis ensures that a mobile home policy cannot be written to cover other types of manufactured housing. The American Modern definition of a mobile home explicitly includes expansions and additions to mobile homes, as well as fixtures. The purpose, says Wachter, is to allow for the full range of possibilities in modern mobile homes, without applying mobile home coverage to structures that have different loss characteristics. A fire safety study conducted by Foremost Insurance, Grand Rapids, Mich., indicated that the fire rate for mobile homes was less than that for site-built homes. The better fire rate is attributed in part to implementation of a national building code by the U.S. Dept. of Housing and Urban Development (HUD) in the 1970s. Mobile homes are more susceptible to windstorm loss, however. As the American Modern definition suggests, there are three characteristics that can be used to define a mobile home: Off-site construction in a factory setting; Construction on its own chassis; and Construction to HUD building standards, as opposed to local building codes. Does method matter? As for establishing other categories of manufactured housing for insurance purposes, there is little evidence of statistically significant distinctions in loss experience between modular and completely site-built homes. Modular homes are treated the same as site-built homes in terms of financing and insurance, says Bruce Savage, spokesman for the Manufactured Housing Institute. I'm not aware of any statistics showing they perform (in loss situations) differently than site-built homes. Also, modular housing must generally be built to standards in local building codes, even if the modules are constructed out of state. The growth in modular construction would not be possible without widespread use of standardized building codes. Thus, when a carrier receives an application for a manufactured home, the first order of business is to determine if it meets the characteristics of a mobile home. Many manufactured homes would be better classified with site-built homes. The construction of the residence--frame, masonry, etc.--will, of course, be a key factor in determining the premium, but there is no indication to date that the method of construction, in itself, alters the risk. (As a practical matter, most manufactured homes that are not mobile homes will be frame construction.) Enduring distinction Property/casualty professionals accustomed to using identical forms to write homeowners and mobile-homeowners coverage may be surprised to learn how differently the two lines started out. Mobile home insurance developed from the identity of mobile homes as chattel property rather than real property, says Wachter of American Modern. Early trailer homes had axles with wheels and could be literally hauled away at a moment's notice. Given the character of early mobile homes, the insurance policy [covering a mobile home] was really a takeoff on auto physical damage coverage, Wachter says. That steadily changed as mobile homes came to be permanently affixed at locations and developed risk characteristics similar to those of site-built homes. For decades now, the basic, broad, special, and limited perils forms, as well as the personal liability sections, have been largely identical in the AAIS Homeowners and Mobile-Homeowners Programs. The persistence of distinct homeowners and mobile-homeowners programs lies in two related factors: rating and valuation of structures. Perhaps the last vestige of the original auto character of mobile homes is the fact that their structures depreciate faster than they accumulate real estate value, if they accumulate any real value at all. With mobile homes, the depreciation is greater than the growth in replacement cost, says Werner Kruck, executive vice president of American Superior Ins. Co., Plantation, Fla., a company that specializes in residential property insurance. With traditional site-built homes, replacement cost usually grows faster than the depreciation of the home. Replacement cost Every student of insurance learns that the market value of a home should not be confused with replacement cost, but it frequently is because mortgage lenders often insist that residential property insurance be written to cover the balance on a mortgage loan. Also, the appreciation in market value has often been considered a factor in calculating replacement cost, the assumption being that the cost of living drives the cost of construction. Whatever the reason, depreciation is rarely a major consideration in home owners insurance, except for older homes in areas with relatively low real estate values. For that reason, replacement cost loss settlement, with a coinsurance requirement, is a standard feature of most homeowners policies written in the U.S. Standard homeowners forms explicitly state, however, that replacement cost terms do not apply to mobile homes, whether or not on a permanent foundation, but without otherwise defining the term mobile home. Actual cash value loss settlement automatically applies to mobile homes; replacement cost settlement, if desired, must be added by endorsement. 'Gap' coverage In practice, the underwriting of a replacement cost endorsement on a mobile home policy is analogous to the underwriting of gap coverage on a personal auto, says Jeffrey Holaway, AAIS manager of personal lines pricing. According to Holaway, car owners frequently buy coverage that will pay what it costs to replace a vehicle that has been effectively destroyed, even if the amount of insurance exceeds the book value of the vehicle being insured. Replacement cost coverage for a mobile home is written on a stated value basis in some states, says Kruck. This raises the possibility that an owner can collect an insurance payment for a total loss, replace the damaged home with a used one at less cost, and pocket the rest of the money. Apart from the settlement terms, the distinction between homeowners and mobile-homeowners insurance lies in the distinction between loss costs for the two lines, and subsequently the information used to rate policies. Insurers should be cautious about applying loss costs derived from mobile home experience to manufactured housing that may be more appropriately classified with site-built housing. Joseph Harrington Editor Christi DeBrock Design Reprinting Viewpoint Articles Articles generally may be reproduced, provided the appropriate credit is given and a copy is sent to the Editor. For details, please call or write. Viewpoint welcomes your comments. Write us at: American Association of Insurance Services 1745 S. Naperville Road | Wheaton, IL 60187-8132 630-681-8347 | 800-564-AAIS | Fax 630-681-8356 Phone: 630-681-8347 | Fax: 630-681-8356 e-mail: info@aaisonline.com Top

Mobile Home

Manufactured Housing Report Options Home | Contact TDHCA | About TDHCA | Events | Press Room | Employment Manufactured Housing Home Manufactured Housing Report Options View Ownership Records Download Ownership Records Download Selling Retailer Records Download Tax Lien Records View Active License Records Download License Records View Installation Records Ownership Records by County Report Viewing & Report Options Home Ownership Records View home ownership records Use this option to display details about a manufactured home. You will be asked to enter at least one of the following: label number, serial number, owner name, or certificate number. Download home ownership records Here you can generate a list of manufactured homes and download it to your computer. You will be asked to enter at least one of the following: certificate date range, county where home is installed, number of sections in the home, or wind zone. Download selling retailer records Here you can generate a list of selling retailer manufactured homes records and download it to your computer. You will be asked to enter at least one of the following: certificate date range, county where home is installed or number of sections in the home. Download home tax lien records Download home tax lien records. You will be asked to enter the tax year and/or the county of the tax office. Active License Holders View active license holder records This option displays details about an active license holder. To search for an active license holder you will be asked to enter their license number or their name. Download active license holder records With this option you can generate a list of active license holders and download it to your computer. You will be asked to select a county, or select all counties; and select a license type. Installation & Inspections View home installation & inspection records Use this option to view home installation and inspection information. To search for installation and inspection information you will be asked to enter the home's label/seal number, serial number, owner's name or license number. Reports Count of Ownership Records by County This is a list of counties in Texas and the total number of current ownership records in each county. Home | Contact Us | About TDHCA | Events | Press Room | Employment Web privacy statement | Web accessibility policy | Link Policy

Luxury RV

MapQuest Maps: Settings Help Mobile Maps Directions Printer-Friendly Link to this Search Sponsored Links Rv's that Drive like SUVs Roadtrek: comforts of larger RVs with ease of driving an SUV. www.roadtrek.com Search for RVs Use our search tool to find the RV you are looking for. www.RV-Finder.com Motorhomes Bargain Prices. You want it, we got it! BizRate.com All the RVs All the RV, All the Big Savings! Smart RV Shoppers Start Here. RV.RVs.AlltheBrands.com Maps - Enter as much as you know Place Name (optional) e.g., Restaurants or Schools Look up Category or Airport Address or Intersection City State ZIP Code U.S. & Canada Outside U.S. & Canada Map by Lat/Long See What's in Your Neighborhood World Atlas Home: (Add) Work: (Add) Results for RVs Next » Sponsored Links Rv's that Drive like SUVs Roadtrek: comforts of larger RVs with ease of driving an SUV. www.roadtrek.com Search for RVs Use our search tool to find the RV you are looking for. www.RV-Finder.com Refine Your Search Cities All Cities (63) Mineral Wells, WV (1) Morehead City, NC (1) Mountain View, CA (1) Norman, OK (1) Oakland, CA (1) Ocala, FL (1) Okemos, MI (1) More Cities... Categories All Categories (63) Rv Dealers (23) Campers & Pick-Up Coaches-Dealers (4) Recreational Vehicles-Renting & Leasing (4) Auto Dealers-Used (3) Rv Repair & Service (3) Trailers-Camping & Travel (2) Real Estate Agents (2) More Categories... Please Select One: 63 results for RVs Sort by Relevance Sort by Alpha RVS Art & Frames 222 Putnam St, Marietta, OH 45750 (0.00 miles away) Map Directions To Directions From Places Nearby Category: Picture Frames-Dealers , Art Galleries & Dealers RVS Grocery Store 927 N Efren Ramirez Ave, Roma, TX 78584 (0.00 miles away) Map Directions To Directions From Places Nearby Category: Grocery Stores Camelot RVS 1000 Camelot Dr, Harlingen, TX 78550 (0.00 miles away) Map Directions To Directions From Places Nearby Category: Hair Salons Classic Vans-Rvs 25700 Mission Blvd, Hayward, CA 94544 (0.00 miles away) Map Directions To Directions From Places Nearby Website Category: (All) Auto Dealers , Exporters , Rv Dealers , Van & Truck Conversions/Accessories Kozy Kabins & Rvs 111 E Broadway Ave, Conconully, WA 98819 (0.00 miles away) D J's RVS & Auto 1449 E Mt Gilead Rd, Bolivar, MO 65613 (0.00 miles away) Map Directions To Directions From Places Nearby Category: Auto Dealers-Used , Rv Dealers J & V Autos & RVS Inc 511 N 21st Ave, Yakima, WA 98902 (0.00 miles away) Map Directions To Directions From Places Nearby Category: Auto Dealers-Used North Park Homes & Rvs 753 Chestnut Ln, Dickinson, ND 58601 (0.00 miles away) Map Directions To Directions From Places Nearby Category: Mobile Homes-Park Developers , Mobile Homes-Parks & Communities , Campgrounds RVS Fine Art 20 Jobs Ln, Southampton, NY 11968 (0.00 miles away) Map Directions To Directions From Places Nearby Category: Artists-Fine Arts RVS 12856 Dupont Blvd, Ellendale, DE 19941 (0.00 miles away) Map Directions To Directions From Places Nearby Category: Rental Agencies 1-10 of 63 Page: 1 2 3 4 5 6 7 Next » Company Advertise Business Solutions Link to MapQuest Toolbar Privacy Legal ©2006 MapQuest, Inc. All rights reserved.