Mobile Home Insurance A

Liberty Mutual - Home Insurance Glossary Home > Home Insurance Glossary Printer Friendly Home Products Get a Home/Renters Quote Policyholder Benefits Understand Coverages Claims Saving Money Flood Insurance Home Safety Fire Safety Credit Information and Insurance Home Insurance Glossary The following are some general terms that may be helpful to you in reading and understanding your Homeowner, Condominium, or Renters insurance policy with Liberty Mutual. Because insurance laws vary throughout the United States and Canada or coverages may not be available in some jurisdictions, the information below may not apply in all situations. The terms and definitions in your actual policy will govern any claims or questions of interpretation.  Please take this opportunity to read these terms and if you have any questions, please  Contact Us  or call your nearest Liberty Mutual Sales Office. A-C | D-G | H-K | L-N | O-R | S-Z Act of God An unpreventable accident or event that is the result of natural causes; for example, floods, earthquakes, or lightning. Actual Cash Value An amount equal to the replacement cost of lost or damaged property at the time of loss, less depreciation. Additional Insurance Insurance that supplements an already existing policy. It is uncommon that the company or its duly authorized agent allows additional insurance. Additional Living Expense Any necessary increase in living expenses incurred by the insured, so the household can maintain its normal standard of living. Applicant A person who fills out and signs a written application for insurance. Application A written statement by a prospective policyholder that gives the information the company relies upon when evaluating the applicant and issuing the policy. Appraisal A survey by a Liberty Mutual Claims Representative or Claims Appraiser estimating the amount of damage to property and the cost to repair or the determination of a complete loss. Basic Limits The lowest coverage amount, as prescribed by law or the company, for which an insurance policy can be written. Basic Limits primarily prescribe limits of liability. Cancellation Termination of an insurance contract before its expiration date by either the insurance company or the policyholder. Catastrophe A sudden, severe disaster that causes a large loss. Claim A demand for payment under an insurance contract for the estimated or actual amount of loss. Conditions Provisions that set forth the rights, duties, and responsibilities of the parties to an insurance contract. Conditions may be found anywhere in the contract. Coinsurance Clause A clause requiring the insured maintains insurance on the property at least equal to a stipulated percentage of its value in order to collect partial losses in full. Return to beginning of Home Glossary . Damages A sum of money that a party is legally obligated to pay to another as compensation for injury. Declarations The part of the policy that provides detailed information about the insured, the insurer, and the coverages. Deductible The amount of a claim that the policyholder has agreed to pay. This amount is deducted from a claims payment. Depreciation A decrease in the value of any type of tangible property over time. Effective Date The date the coverage begins on an insurance contract (policy). Endorsement An amendment to your policy written especially to cover unique items just for you. An endorsement is also a change to your policy that is made during the policy's term. An endorsement is attached to your policy to modify the terms of the insurance contract. Exclusion Part of an insurance contract that excludes coverage of certain perils, persons, property, or locations. Expiration Date The ending date of an insurance contract (policy). Extended Coverage A clause in an insurance policy or in an endorsement that provides additional coverage for other hazards or risks than those provided under the basic policy provisions. Fire Insurance Contract prescribed by each state insuring against direct loss by fire, lightning, and other defined causes. Flood Insurance Coverage against damage caused by the rising or overflowing of bodies of water. This is available through a national insurance program and must be bought separately. Return to the beginning of Home Glossary . Hazard Situation or condition that increases the possibility or extent of a loss. Homeowner's Policy A form of package policy including fire and other perils, theft insurance, and comprehensive personal liability. The premium is stated as one amount. Insurance Department A state's department that has responsibility for the enforcement of the state's insurance code. It is charged with the supervision and licensing of insurance companies and agents and the general administration of insurance laws of the state. Insurance to Value The amount of insurance written on property is approximately equal to its value. An insured most always wants to insure all property to value. Insuring Agreements Part of an insurance policy that states the coverage of the contract. Insured The person who is protected by the insurance policy. Insurer The company that issues a policy to a policyholder; the party in the insurance contract that promises to pay losses and render services. Return to the beginning of Home Glossary . Liability Insurance Liability insurance pays on behalf of the insured for certain types of injury to others. Limit of Liability The maximum amount that an insurer agrees to pay in the case of loss under policy contract. Loss A value reduction in an insured's property caused by an insured peril, the amount sought in a claim, or the amount paid on behalf of an insured under an insurance contract. Loss Payable Clause A policy condition that enables an insured to direct the company to pay any loss that may be due to a third party. Loss of Use Insurance Compensation for loss caused because the policyholder has lost the use of his property. Mobile Home Insurance A special policy designed to meet the needs of mobile home owners or occupants, covering physical damage to the home, contents, and personal liability while the home is used as a permanent residence. Mortgage Clause A clause in an insurance policy that makes a claim jointly payable to the policyholder and the party that holds a mortgage on the property. Mutual Insurance Company A company with no capital stock that is owned and controlled by policyholders. Named Insured The individual or organization with whom an insurance contract is made and who is specifically named as a Named Insured in the policy declarations. Additional individuals or organizations can also be added as named insureds. Natural and Probable Consequences Consequences of a given act that a reasonable person could foresee. Non-Renewal A policy that the insurer does not continue after its expiration date. Return to the beginning of Home Glossary . Occurrence An accident or loss, including continuous or repeated exposure to substantially the same general harmful conditions, that result in bodily injury or property damage. Partial Loss A loss that does not completely destroy the insured property that is covered by an insurance policy. Payroll Deduction The policyholder authorizes his or her employer to deduct amounts from the employee's earnings to cover the premium. Peril The cause of a possible accident, loss, or claim. Personal Inland Marine Insurance (Personal Articles Floater) Worldwide coverage on an all risk basis for scheduled valuable personal property. Policy A formal written contract of insurance. Policyholder The party to whom a policy is issued who agrees to pay a premium to an insurer in consideration of the latter's promise to provide insurance protection. Premium The amount that a policyholder agrees to pay to the insurance company for an insurance policy. Policy Anniversary Date on which an insurance policy must be reinstated to remain in force. Protection Coverage afforded by an insurance contract. Premises The building insured or containing the insured property. Depending on policy conditions, it may also include an adjacent area. Property Damage Means physical injury to, destruction of, or loss of use of tangible property. Property Insurance First party insurance of real and personal property against physical loss or damage. Rate The cost of insurance per unit; used as a base for the determination of premiums. Real Property The earth and all attached land and buildings, also known as real estate. Reinstatement Returning a lapsed policy to its full value after its termination as if it was never terminated. Renewal A policy issued to replace one that has expired. Replacement Cost Coverage for replacing property with new material; depreciation is not taken into consideration. Residence Employee An employee of an insured whose duties are related to the maintenance or use of the insured residence premises. Residence Premises Principal residence of the named insured. Return to the beginning of Home Glossary . Scheduled Property Listing specific personal property for a stated insured value. This is usually considered for valuable items that are subject to limited coverage. Tenants Policy A form of homeowner policy sold to person(s) who rent their living quarters. Total Loss Loss to the insured of the entire value of goods or other property insured, or a loss entailing the payment of the full face amount of an insurance contract. Underwriting A process that evaluates an applicant and their property against pre-established criteria for insurability to determine whether the applicant will be rejected or accepted for coverage and whether at standard or modified rates. Return to beginning of Home Glossary .

RV Motor Home

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Rent RV

Alaska - USA, Alaska Motorhome Rental, Alaska RV Rental, Alaska Campervan Rental, Alaska Motorhome Hire, Alaska RV Hire, Alaska Campervan Hire, Alaska Camper Rental, Alaska Camper Hire, 4WD Rental - Motorhomes Worldwide Quotes | Bookings | Profile | Signin ALASKA: RV RENTAL - MOTORHOME - CAMPERVAN - CAMPER - 4WD - RENTAL / HIRE Travel throughout Alaska and The Alps on your Self Drive Holiday with Motorhomes Worldwide. Choose from the following locations to start your Campervan RV Motorhome Rental Vacation: Anchorage and USA For flexibility, freedom and value for money it is really hard to beat Motorhome, RV, Campervan or Motorcaravan hire or rental. Our friendly and experienced team are here to assist and provide valuable free advice, plus the most competitive quotes. We offer the widest selection and we have a best value and best price guarantee. If you book and Pay in Full by 31st January 2006 you will be entitled to a 5% Discount on the daily rental rate on all products *Terms & Conditions Apply Click here for Cruise America Motorhomes Other countries we offer campervan hire in Campervan Hire Countries Campervan Hire Africa Campervan Hire Alaska Campervan Hire Argentina Campervan Hire Australia Campervan Hire Austria Campervan Hire Bulgaria Campervan Hire Canada Campervan Hire Chile Campervan Hire Corsica Campervan Hire Cuba Campervan Hire Denmark Campervan Hire England Campervan Hire Finland Campervan Hire France Campervan Hire Germany Campervan Hire Great Britain Campervan Hire Holland Campervan Hire Hungary Campervan Hire Iceland Campervan Hire Ireland Campervan Hire Italy Campervan Hire Namibia Campervan Hire New Zealand Campervan Hire Norway Campervan Hire Portugal Campervan Hire Scotland Campervan Hire South Africa Campervan Hire South America Campervan Hire Spain Campervan Hire Sweden Campervan Hire Switzerland Campervan Hire Thailand Campervan Hire UK - Britain Campervan Hire USA - America Home - About - Canal Boat Hire - Car Hire - Car Leasing - Motorhome Hire - Specials Airfares - River Cruises - Motorbike Hire - Newsletters - Search - Travel Links - RV Links Click here to add us to your Favourites 2/1 Balmoral St (P.O.Box 1518), Frankston, Victoria, 3199, Australia within Australia phone(03) 8781 1100 or 1300 880035 Fax: (03) 8781 1109 International callers phone: +61 3 8781 1100 Fax: +61 3 8781 1109 Email: enquiry@motorhomesworldwide.com www.motorhomesworldwide.com Licence Number 30534 Travel Compensation Fund Number 00710 - ABN 30 005 561 786 Member of the following TCF Travel Compensaton Fund ASTA American Society of Travel Agents CATO Council of Australian Tour Operators AFTA Australian Federation of Travel Agents RVRA Recreational Vehicle Rental Association Motorhomes Worldwide is a motorhome rental reservation service offering competitiveprices and great service on motorhome rental with leading motorhome rental companies.We cover a large range of countries throughout the world including: Motorhome Rental Africa Motorhome Rental Alaska Motorhome Rental Argentina Motorhome Rental Australia Motorhome Rental Canada Motorhome Rental Chile Motorhome Rental Corsica Motorhome Rental Cuba Motorhome Rental Denmark Motorhome Rental England Motorhome Rental Finland Motorhome Rental France Motorhome Rental Germany Motorhome Rental Great Britain Motorhome Rental Holland Motorhome Rental Hungary Motorhome Rental Ireland Motorhome Rental Italy Motorhome Rental Namibia Motorhome Rental New Zealand Motorhome Rental Norway Motorhome Rental Portugal Motorhome Rental Scotland Motorhome Rental South Africa Motorhome Rental South America Motorhome Rental Spain Motorhome Rental Sweden Motorhome Rental Thailand Motorhome Rental UK - United Kingdom Motorhome Rental USA - America Sitemap: Home RV Rental Country Index RV Rental Specials Africa Alaska Argentina Australia Canada Chile Corsica Cuba Denmark England Finland France Germany Great Britain Holland Hungary Ireland Italy Namibia New Zealand Norway Portugal Scotland South Africa South America Spain Sweden Thailand UK - Britain USA - America Motorhomes Worldwide is a campervan rental reservation service offering the following leading campervan hire and campervan rental companies worldwide: 4WD Hire Service Andean Roads Apollo Around Australia Asia RV Thailand Autocaravan Express Autorent Hertz Braitmans Britz 4WD Rentals Bobo Campers Calypso Camper Tours Italy Car Away Cruise America Cruise Canada Cruisin'Tasmania Rentals Cubamar Viajes Drive and Go DRM El Monte Euromotorhome Freedom Gaibu Global Gypsies 4WD Safaris Go West Holiday Rent Kamp Easi Kea Campers Kiwi Autohomes Lakoauto McRent Maui Motorhome Rentals Motorhomes Ireland Moturis Neergards Camping Omtinc Owasco Pacific Horizon Road Bear Set Camping Cars Skippy Winnebago Touring Cars Finland United Vivanti Westcoast Mountain Campers

Used RV

The Most Complete RV Resource Recreational Vehicle Recreational Vehicle (or RV) is a term used in North America to describe a large enclosed piece of equipment with wheels designed to be moved from place to place for people to temporarily live in and be protected from the elements while away from their permanent home. While RVs are intended for brief leisure activities such as vacations and camping, some people, especially retirees, live in their units and are known as fulltimers. RVs can be rented in major U.S. and Canadian cities. There are different classes of vehicles generally labelled as RVs: A truck camperTruck Camper - unit is affixed to the bed or chassis of a pickup truck. Folding Camping Trailer - also known as a pop-up trailer; a light-weight unit with sides that collapse for towing and storage Travel Trailer - heavier unit with rigid sides designed to be towed by most vehicles by means of a bumper or frame hitch Fifth Wheel Travel Trailer - designed to be towed by a pickup truck equipped with a special hitch in the truck bed Park Model - designed for occasional relocation and will require a special tow vehicle and a highway movement permit Motorhome ("Winnebago", a product of the Winnebago Company that dominated the market for many years, was long a synonym for a motorhome, but this usage has faded in recent years.) Class A Motorcoach - constructed on a specially designed motor vehicle chassis, typically resembling a bus Class B Campervan - built using a conventional van, to which a raised roof has been added Class C Mini-motorhome - built on an automotive manufactured chassis with an attached van cab section Toterhome, a motor home built around a semi truck chassis such as a freightliner. This type of motor home allows you to pull large and heavy trailers while having all the conveniences of a large motor home A minimal RV typically contains beds, a table, food preparation and storage areas. Larger models add full bathrooms, refrigerators, living areas, master bedrooms, etc. Some RVs are very elaborate, with satellite TV and internet access, slide-out wall panels, and awnings; many RVs can cost in excess of $100,000 and some can cost over $1 million. These high end RVs typically need to be financed by banks or specialized lenders. Many RVers stay at RV parks, most of which feature electrical, water and sewer service (full hookups), as well as cable television and wireless Internet. Amenties often include swimming pools, gamerooms and even destination-resort activities such as horseback riding. Advantages of RVs include not having to move one's things in and out of motel rooms, not having to rent multiple motel rooms, and the fact that preparing food saves money compared to eating in restaurants. At the same time, an RV provides more organized living space and better protection from the weather than a tent. Children also tend to like RVs. Disadvantages of RVs include low fuel economy for the motorized RV or tow vehicle, lack of maid service as experienced in motels (maid service is available at a few high-end resorts), and larger RV models can be hard for the novice to drive or tow. Some people also live in RVs because they lack funds for more conventional housing. Similarly, RVs ? specifically, trailers which strongly resemble travel trailers, but usually with fewer amenities ? have been used to temporarily house victims of natural disasters. A notable example is Hurricane Katrina; the federal disaster relief agency FEMA has ordered large numbers of such trailers to house victims of the storm in Louisiana and Mississippi. Some people craft their own RVs out of cars, vans (vandwellers), or used passenger and school buses. Elkhart, Indiana, is known as the "RV Capital of the World" because it is home to many RV manufacturers, including, Forest River, Heartland RV, the Damon Corporation, Four Winds, Hy-Line, Keystone, Monaco, Sun Valley, and Travel Supreme. Many other manufacturers, including Dutchman, Gulf Stream, and Jayco, can be found in the nearby towns of Goshen, Middlebury, Nappanee, and Wakarusa. In 2005, these locales experienced a boom because of the large number of trailers ordered to house Hurricane Katrina victims. From Wikipedia, the free encyclopedia.

RV Campground

Oaks `N Pines RV Campground in Central Northern Lake City, Florida - Home Page     Oaks `N Pines is a friendly, full-service RV park conveniently located in north-central Florida, on the north side of Lake City. We’re located near a multitude of area attractions, and our proximity to Lake City -- while still being in the country -- makes our park unique. Interstate 10 is less than a minute from our entrance, and Interstate 75 is within only minutes. Conveniently located between Jacksonville, Gainesville, Tallahassee, and Valdosta, Georgia. So travel to any point, in between or beyond, is as easy as can be. Our Laundry, Recreation Center, Comfortable Showers, Free Wifi Wireless Internet, Free Cable, and Fenced-In Dog Run make our affordable park one of the best destination choices you can make. Hello, We’re Jim and Cherri, your hosts. We’ve owned Oaks N’ Pines since October 2004, and we’ve done our best to clean up, upgrade and by and large renew this fine park. We’d like to extend an invitation to all RVers to stop by and give us a try. Oaks `N Pines is a beautiful and friendly RV Park and we’d love to share it with you. So whenever you’re in the Lake City area, please stop by. --- On-Site Owners --- Recreation Center Clubhouse with Pool Table, Computer, and Television --- Laundry --- Spacious Private Comfy Washrooms --- FREE Cable TV --- FREE WiFi Wireless Internet From RV Wireless Internet Co. --- Sunny and Shaded Level sites --- All Pull-throughs --- Friendly people and an easygoing attitude --- Conveniently located to Lake City Shopping and the Interstates for Jacksonville,Tallahassee, Gainesville, Valdosta and Lake Park, Georgia. !!! We Welcome Pets, Big Rigs, Groups, Rallies and Clubs !!! Discount rate for groups, rallies and camping clubs. Home Amenities Directions Attractions Rates Events Pet Policy Online Reservations Site Map Contact Us OnlineForum Links Recreated by RV Wireless Internet, Co.