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Class a motorhome, rvs for sale, new motor homes, 25 ft class c motorhome, used rv, new motorhomes, used diesel motorhomes. Motorhome rentals, used motor homes, recreational vehicles, used diesel motorhomes for sale, us motorhomes, rv rentals america, recreational vehicle rentals, new used rv prices. Motor home, rv rentals usa, used motorhomes for sale, used motorhome prices, motorhome rentals america, rvsales. Used motor homes for sale, motor homes for sale, rv, recreational vehicle, motorhomes for sale, used motor home, rv rental, rv for rent, rv dealer. Rv sales, used motorhomes, motorhomes, rv camping, used rv sale, rv rentals. Motor homes, rv for sale, rv prices, used motorhome, rent rv, motor home rental, motorhome for sale, rv motor homes. Pacific northwest vacation, oregon, oregon camping, oregon vacations, portland oregon, clackamas county, oregon vacation, oregon vacation rentals, pacific northwest, clackamas, oregon portland.Class a motorhomes for sale, motorhome rental, recreational vehicles rental, rv values, rv motorhomes, recreational vehicles used, rv trailers, recreational vehicle values, motorhome sales, diesel pushers, rv travel trailer, used recreational vehicle. Class b motorhomes, motor home rv, recreational vehicle rental, rv dealers, recreational vehicle sales, diesel pusher, rv trailer, class c motorhomes, motorhome comparision. RV, Rentals, Motorhomes, Northwest, Oregon. Winnebago Tribe Online resourcesNative American Authors: Winnebago Tribe the Internet Public Library Native American Authors: Browsing by Tribe Winnebago Tribe Online resources about the Winnebago Tribe The Encyclopedia of Hotcak (Winnebago) Mythology Author: Richard L. Dieterle Type: tribal Description: A collection of stories, mythological, legendary, and historical, of the Ho-Chunk (Winnebago) Indian Nation, together with articles on various mythological and legendary personages and sacred objects mentioned in the corpus of collected stories. Contains commentaries, comparative material, links to articles, links to stories arranged by topic, and links to thematic material. Each contribution is thoroughly footnoted. URL: http://hotcakencyclopedia.com/ GIS Implementation Experience in Wisconsin WinnebagoNation Author: HE, PING, Ph.D Type: tribal Description: Account of the implementation of GIS mapping by the Wisconsin Winnebago (Ho Chunk Nation). URL: http://www.esri.com/library/userconf/proc95/to300/p293.html Ho-Chunk are Proud of Ancestors at Gottschall Author: Chloris A. Lowe, Jr., Former President, Ho-Chunk Nation Type: tribal Description: Accounts of three sites providing evidence of the presence of the Ho-Chunk in Wisconsin for centuries. (Originally published in the December issue of the "Ho-Chunk Nation.") URL: http://www.pclink.com/deborah/hochunk.html Ho-Chunk Home Page Author: Ho-Chunk Nation. Type: tribal Description: Home page of the Ho-Chunk Nation provides information about tribal history, current issues, economic development, and a tribal directory. URL: http://www.ho-chunk.com/ Winnebago History by Lee Sultzman Author: Lee Sultzman Type: tribal Description: History of the Ho Chunk/Winnebago people by Lee Sultzman from the First Nations website. URL: http://www.dickshovel.com/win.html Winnebago Legend: Boy Stolen by Thunderbird Author: Glenn Welker Type: tribal Description: Winnebago legend from Glenn Welker's Indigenous People's Literature website. URL: http://www.indigenouspeople.net/boystole.htm Return to Native American Authors | IPL Home Rent RVMotorhome, RV, Campervan, 4WD, Van Camper, Rv Rental, RV Hire, Campervan Rental, Campervan hire, Motorhome Rental, Motorhome Hire - Motorhomes Worldwide Quotes | Bookings | Profile | Signin World Map (please click on country) Click here for RV Rental Country Index If you Book with Motorhomes Worldwide and Pay in Full by 31st January 2006 , You will be entitled to a 5% Discount on the daily rental rate on all products. *Conditions Apply 2005 Rates for Travel in 2006! Must Book and Pay in Full by 13 January 2006 on the following products Italy - Freedom UK - UK Motorhome Hire Other Great Specials! 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Many Soccer Clubs around the world are planning groups using our Motorhomes,RV's, Campervans and Minibuses - but you do need to BOOK EARLY to ensure availability! Book now to avoid disappointment Motorhomes are available for rental from most capital cities or major tourist destinations.One way rentals are often available in Australia, New Zealand, the USA, Canada and South Africa. In the UK and most European countries people normally do a circle tour as the mileages are often smaller there. For advice on the best value motorhome holidays in Alaska, Andorra, Argentina, Australia, Canada, Chile, Corsica, Cuba, England, Estonia, Finland, France, Germany, Great Britain, Hawaii, Holland, Ireland, Italy, Namibia, New Zealand, Portugal, Russia, Scotland, Spain, Sweden, South America, South Africa, Thailand, UK and the USA Please contact us here at Motorhomes Worldwide and Let our vast experience help you choose the best deal to suit your budget. 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UK travel from Australian $39 per day (Approx US $27 per day) Click here Europe from Australian $25 per day (Approx US $18 per day) Click here Motorhomes in Europe from Australian $12 (Approx US $9 per person per day) "Winter Special" Click here 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 Tel: within Australia (03) 8781 1100 or 1300 880035 Fax: (03) 8781 1109 International. code: ( +61 3 ) 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 Vacation VehicleGEICO Prepare Your Car for Vacation Home Page | Privacy Policy | Contact Us | Site Map Search -- Shop for Auto Insurance Manage My Auto Policy Auto Insurance Claims Overseas Auto Insurance About GEICO Auto Insurance Auto Safety Make Sure Your Car is Ready for the Trip Your family vacation is getting close. You are excited about spending quality time with your family and getting away for a few days. However, before hitting the open road don’t forget to make sure that your car is up to the task. This checklist provides you with peace of mind and could alert you to any trouble as you get ready to head down the highway: Check engine oil — level should be between the "add" and "full" marks. If it’s low, add a quart, but don’t overfill. If oil appears to be dark or opaque, it’s probably time for an oil change. Check coolant — coolant keeps your car from overheating. Make sure that the level is between "high" and "low." Remember that the cooling system operates best when the coolant is a 50/50 mixture of water and antifreeze. Check belts and hoses — look for cracks and signs of wear, especially on the fan belt. Check the coolant hoses for leakage and cracks. Replace if they appear to be worn. Check tires — make sure there are no cuts or bulges and that the tires still have good tread. Check the pressure with a pressure gauge and add air if needed (maximum amount of pressure is noted on the outside of the tire). Also, don’t forget to check your spare tire, just in case. Check lights — turn on all your lights and walk around your car to make sure that all lights are functioning properly. Also, ask someone to stand behind your car while you test your brake lights. Just to be on the safe side, you should also include an emergency kit in your car comprising of a quart of oil, a gallon of water, some basic tools, jumper cables, gloves, a flashlight with spare batteries, duct tape, a first aid kit, flares, and the most important tool of all...your cell phone. If you encounter any trouble while checking out your car, make sure to have a professional mechanic inspect your vehicle prior to your departure. We're here 24 hours a day, 7 days a week, 365 days a year. Sales: 1-800-861-8380 ratequotes@geico.com Service: 1-877-206-0215 Log-in for Policy Changes Safety Belt Poster Contest Vehicle Safety/Recall Information Insurance Terms © 2003-2006 GEICO | Terms of Use | States of Operation | Company Addresses Mobile home insurance developedAmerican 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 |
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