Mobile Home Insurance

Home Insurance FAQs from Insurance.com Homepage | About Us | Contact Us | Site Map Auto Insurance Life Insurance Health Insurance Home Insurance And More... Home Insurance Articles | Home Insurance FAQs | Insurance Learning Center Prefer to call for a quote? 1-866-533-0227 Frequently Asked Questions Bike Coverage Child Heading to College Condo Damage Condo's Master Policy Condos & Title Insurance Damage from Neighbor Diamond Ring Protection Firearm Coverage Flood Insurance Historic Homes Home Under Construction Hurricanes In-law Apartments Jewlery & Art Coverage Manufactured Homes Property's Exterior Renting Out Your Home Roommate's Renters Insurance Security System Lowers Premium Timing on Claims When to Buy Flood Insurance Yard Coverage Bike Coverage Q: I'm purchasing an expensive mountain bike. Will it be covered under my homeowners insurance policy? Read answer Child Heading to College Q: My child is heading off to college this fall. What insurance issues does this raise? Read answer Condo Damage Q: The tub in my condo overflowed and damaged the ceiling in the condo below. Will my insurance pay for this? Read answer Condo's Master Policy Q: My condo association has a master policy. What additional insurance do I need? Read answer Condos & Title Insurance Q: I'm buying a condominium. Do I need title insurance? Read answer Damage from Neighbor Q: My neighbor's tree fell across my fence. Will their insurance cover the damage? Read answer Diamond Ring Protection Q: I just got engaged and I'm worried about losing my diamond ring. Can I buy insurance to protect it? Read answer Firearm Coverage Q: I just bought two hunting rifles. Will they be covered under my homeowners insurance? Read answer Flood Insurance Q: I don't live near water--is there any reason why I would need flood insurance? Read answer Historic Homes Q: Do I need special insurance if I own a historic home? Read answer Home Under Construction Q: I'm building a new home. Do I need to insure it while it's under construction? How do I insure it? Read answer Hurricanes Q: My home was completely destroyed in a hurricane. Will my insurance company pay my living expenses until I can rebuild? Read answer In-law Apartments Q: My house contains an in-law apartment. Does this raise any issues with my homeowners insurance? Read answer Jewlery & Art Coverage Q: Can you get specific insurance for jewelry or art? Would that be covered under a homeowners policy? If so, why do people buy additional insurance for these items? Read answer Manufactured Homes Q: Is it true that manufactured homes are safer than they used to be? Read answer Property's Exterior Q: How much of the exterior of my property is covered by homeowners insurance--fencing, driveway, etc.? Read answer Renting Out Your Home Q: I want to rent out my home. Are there insurance issues to consider? Read answer Roommate's Renters Insurance Q: My friend and I share an apartment. Will her renters policy cover my possessions? Read answer Security System Lowers Premium Q: If I install a home security system, will my insurance premium go down? Read answer Timing on Claims Q: How long does an insurance company have to pay on a claim (such as a theft under my renters insurance)? Are there laws stating a certain period of time that a company would have? Read answer When to Buy Flood Insurance Q: I am buying a home and there is a creek in the backyard. Does this mean I need flood insurance? Read answer Yard Coverage Q: I purchased several expensive shrubs and trees to plant in my yard. Are these covered under my homeowners insurance? Read answer Get Home Insurance Quotes Compare quotes from top companies today. 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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.

Diesel Motor Home

Specifications - 2006 Islander Diesel Motorhome by National RV Overview Features Photo Gallery Floorplans Weights Exteriors Dealer Locator Search by State Mail my Brochure 16 mb Download Quick Menu 2006 Islander 2006 tradewinds 2005 Tropi-Cal 2005 Dolphin 2005 Sea Breeze FEATURES AND SPECIFICATIONS Standard Equipment Optional Equipment EXTERIOR & COACH BODY CONSTRUCTION Duraframe® all steel sub floor construction Steel framed laminated floor Steel framed crowned laminated fiberglass roof Steel framed laminated fiberglass high gloss walls Custom painted four color full body exterior graphics with choice of (3) color packages Front and rear molded high gloss fiberglass caps Soft-touch padded vinyl ceiling Heavy duty electric slide-out room system Insulated aluminum exterior storage bay doors with integrated automotive style single paddle handle, rotary latches and gas struts Side-hinged doors under slide-out rooms Aluminum two-piece rear ladder D-ring tie downs in basement storage compartments Automotive undercoating Cockpit steel structure with insulated front bulkhead and dash support Full width mud flap with logo COCKPIT FEATURES Pioneer® AM/FM/CD with GPS navigation system and XM receiver module stereo Pioneer® 12-disc CD changer Driver and passenger reading lights with switches Automotive styled dash design with padded vinyl and full gauge package Passenger drink holder/utility tray Pantographic windshield wipers Power steering Electronic cruise control Douglas® tilt and telescoping steering column with 18" VIP® Smart Wheel Roof mounted dual chrome trumpet air horns Color rear vision monitor with motorized rear wide-angle lens with anti-fog and side rear-viewing cameras Chrome dual power controlled heated exterior mirrors with power flat and convex controls and turn indicators Four high power docking lights Power Gear® fully automatic hydraulic leveling jacks with dash mounted controls Passenger work station with 12V/120V receptacle and phone jack in console Full-width front cockpit electric sunvisor Manual driver side sun shade Cup holders Supplemental defroster distribution blower system Electric stepwell cover Front privacy shades with wands in complimentary color to match interior decor Illuminated stepwell APPLIANCES & ACCESSORIES Samsung® 32" LCD flat screen TV monitor with A/V jacks in living area (cockpit overhead) Sony® 20" flat screen TV with front A/V jacks in bedroom Home theater entertainment package includes: Sony® DVD/VCR digital receiver and subwoofer/speaker system, mounted in the dash electronic console on full-extension slides 12 cu. ft. stainless steel Norcold® 4-door refrigerator with icemaker and water dispenser High output three burner cooktop (sealed burners) with flush mount Corian® range cover GE® SpaceSaver convection microwave oven with carousel, built-in light and fan Cable TV hook-up and multiple telephone jacks Winegard® TV antenna Video switching system with antenna booster Pre-wired for satellite dish Low profile Kingdome® automatic stationary satellite dish Combination washer/dryer (1) dual directional roll-out compartment storage tray Second dual directional roll-out compartment storage tray Basement refrigerator/freezer 12V/120V on slide-out tracks U-Line® ice maker 40G only Central vacuum system with (3) ports FURNITURE Kustom Fit® soft touch OptimaLeather® monogrammed 6-way power driver and passenger recliner seats with swivel base and power passenger footrest Kustom Fit® Hide-A-Bed® fabric sleeper sofa with air mattress Kustom Fit® Hide-A-Bed® soft touch OptimaLeather® sleeper sofa with air mattress Kustom Fit® soft touch OptimaLeather® dual recliner sofa 40F only Kustom Fit® freestanding soft touch OptimaLeather® swivel Euro-recliner chair with ottoman 40G only INTERIORS Throughout Coach Maple paneling and doors Cherry paneling and doors Walnut paneling and doors Solid wood raised panel cabinet doors and solid wood face framing Deluxe overhead storage doors with telestrut hardware; positive catches on all other doors Drawers with ball bearing roller guide design with full extension galley and pantry guides Decorative wall mirrors Decorative pictures Dual lavy sinks Cockpit Floormats Ceramic tile flooring at front entry Living Area Plush carpet with deluxe pad Day/night shades with designer valances Dining table/cabinet with built-in table extension, two high-back wooden chairs and two wooden folding chairs Booth dinette with Corian® table top and slide-out storage drawers Designer hutch with Corian® counter top and decorative color coordinated edge Kitchen Area Corian® kitchen countertop with decorative color coordinated edge and Corian® sink covers Stainless steel under-mount kitchen sink Wastebasket Silverware organizer tray Ceramic tile galley backsplash with decorative inlaid tile accents Ceramic tile flooring Venetian blind and valance Bath Area Ceramic tile flooring Corian® surface lavy top with decorative color coordinated edge Solid wood raised panel cabinet doors and solid wood face framing Insulated skylight in shower Towel bars and towel rings Medicine cabinet Magazine rack Window, valance and blind in the private toilet room Bedroom Area Plush carpet with deluxe pad Black-out shades with designer valances Solid wood raised panel cabinet doors and solid wood face framing "Sandpiper Deluxe" residential-style innerspring pillow top queen size mattress (60"x80") Slide-out queen bed Bedspread, pillows and shams Corian® nightstand tops with decorative color coordinated edge Cedar lining in wardrobe cabinet Rear wardrobe with mirrored sliding doors Corian® topped dresser with drawers and laundry hamper Hardwood louvered washer/dryer doors below TV ELECTRICAL SYSTEM & LIGHTING 50 Amp 120/240V distribution panel 50 Amp shore power cord with electric reel located in rear of coach 12V push button circuit breaker distribution panel 40 watt solar panel with LED indicator Onan® 8.0 kW Quiet Diesel generator 2,000 watt inverter/converter with remote control panel (4) 6V deep cycle house batteries (2) 1900 CCA 12V maintenance-free chassis batteries Systems monitor panel with built-in volt meter Battery disconnect switch Porch light 120V patio receptacle and telephone jack Three water pump switches (kitchen, bath and service station) Decorative overhead dining light fixture Decorative overhead bedroom light fixtures Cosmetic light in bathroom Stylish designer decorative light fixtures in living area Courtesy light at entry-door switch panel Fluorescent lights in ceiling with wall mounted switches Fixed spotlights in slideout overhead on dimmer switches Lights in exterior storage compartments PLUMBING & LPG SYSTEMS Coach Exterior Heated and insulated holding and water tanks Manual dump valves Pressurized water fill with regulator On demand water system and water pump Water heater bypass valve Winterization antifreeze inlet to pump Holding tank rinsing system (black tank only) Outside shower City water hose reel (manual) Kitchen Area Water filter/faucet in kitchen Single lever faucet with detachable gooseneck sprayer Bathroom Area Porcelain toilet with hand sprayer Designer glass shower enclosure One piece neo-angled fiberglass shower with seat Single lever stainless steel faucet Pre-plumbed for washer/dryer 10 gallon, quick-recovery water heater with direct spark ignition (gas/electric) SAFETY FEATURES Fire extinguisher Deadbolt lock on entrance door Keyless entry with keypad and remotes 120V GFI protected circuits (kitchen, bath and exterior) Smoke, carbon monoxide (CO) and LPG detectors Driver and passenger three point seatbelts Emergency exit window Interior assist handle Deluxe acrylic exterior assist handle WINDOWS, DOORS & AWNINGS Insulated and tinted dual pane windows Power double entrance step with light and anti-skid surface Entrance door with clear glass, shade and screen door Tinted skylight in bathroom Ventilated windows on sides of slide-out rooms (lounge and bedroom slides only) Electric patio awning with metal cover Electric (110V) deluxe box awning Electric entry door awning Slide-out topper awnings Living room and bedroom window awning package Protective 3M® film mask CLIMATE CONTROL SYSTEMS Coleman® 2-ton high efficiency basement mounted air conditioner and heat pump with ceiling ducts Dual 20,000 BTU furnaces 12V roof exhaust fan in bathroom Ceiling fan in bedroom 12V Fan-Tastic® Vent with wall thermostat and rain sensor in living area 12V Fan-Tastic® Vent multi-speed fan with rain sensor in bathroom Dash automotive heating and air conditioner system with defroster SPARTAN® MOUNTAIN MASTER GT CHASSIS Raised rail chassis design Independent Front Suspension 12R x 22.5 (H) radial tires Polished Aluminum alloy wheels (4) with (2) inner rear dual steel wheels Full air brakes with ABS Full air suspension system with electric air dump 4.88:1 drive axle ratio 150 gallon fuel capacity with dual fills Adjustable driver pedals 15,000 lb. hitch receiver with skid bar and seven pin electrical connector Leece-Neville® 160 amp alternator 3 years/50,000 miles chassis warranty CUMMINS® ISL ENGINE 8.9 liter electronic turbocharged diesel engine 400 peak HP @ 2,200 RPM 1,200 lb./ft. peak torque @ 1,300 RPM 2-stage engine compression brake 5 years/100,000 miles engine warranty ALLISON® MH3000 TRANSMISSION 6 speed automatic transmission Touch pad electronic shifter with digital display 5 years/200,000 miles transmission warranty CATEGORIES VIEW ALL EXTERIOR & COACH BODY CONSTRUCTION COCKPIT FEATURES APPLIANCES & ACCESSORIES FURNITURE INTERIORS ELECTRICAL SYSTEM & LIGHTING PLUMBING & LPG SYSTEMS WINDOWS, DOORS & AWNINGS CLIMATE CONTROL SYSTEMS SAFETY FEATURES SPARTAN® MOUNTAIN MASTER GT CHASSIS CUMMINS® ISL ENGINE ALLISON® MH3000 TRANSMISSION NOTE: Due to continuing product improvements, specifications and equipment are subject to change without notice. Weights stated are based on a typical build of standard and optional equipment, but some variance in weights from coach to coach is normal and to be expected. Please consider these factors BEFORE you buy. Islander RV/Motorhome: Overview | Features | Photo Gallery | Floorplans | Weights | Exteriors 2005 National R.V., Inc. All Rights Reserved. Terms and Conditions | Statement of Privacy | Site Map | Contact Us

Recreation Vehicle Insurance

STCU: Auto/RV loans Auto, RV and boat loans Great rates, custom-fit financing to match your budget Sail away with the watercraft of your dreams or slip behind the wheel of a new fuel-efficient car, with a "custom-fit" loan from Spokane Teachers Credit Union. Tap into our low rates for the new or used vehicle or RV of your choice. We'll help you to get the loan, term, payment and interest rate that's right for you. Just ask us or apply online right now . Need help determining the value of your vehicle? Visit the official site of the National Automobile Dealers' Association . Benefits and Features Competitive rates. As a member-owned financial institution, we keep our rates as low as possible. No fees. Up-front loan fees? We don't charge them. Affordable payments. Spokane Teachers offers terms up to 72 months on auto and trucks; even longer on recreation vehicles. No down payment? Spokane Teachers offers 100% financing, including tax and license, for most new and used vehicles on approved credit for qualified borrowers. Call us at (509) 326-1954. Automatic payments. Set up automatic loan payments from an STCU checking or savings account and receive a 0.50% annual percentage rate discount! (A 0.25% APR discount is available on refinanced STCU loans originated prior to Oct. 6, 2003.) Credit card discount. Do you own an STCU Visa credit card in good standing? If so, you may qualify for an additional discount on your STCU auto or RV loan. Get details here . AutoDraft pre-approval. Get pre-approved for your loan and we'll issue you an "Autodraft" check, giving you the confidence of a cash buyer. Autodraft checks can be used at any dealership (not available for private party purchases). Discount auto insurance. Call Rusty Docherty at (509) 344-2337 or visit the Andre-Romberg's website for member-only discounts on your auto insurance. Protect against mechanical breakdown. Protect against the high costs of auto repairs with a vehicle service agreement (VSA) . Extended lending hours. STCU loan officers are available by phone until 7 p.m. weekdays at (509) 326-1954 (select the "loan option" to direct your call to our Lending Center.) We welcome your after-hours calls! Quick Facts No loan fees "AutoDraft" pre-approval Affordable payments No down payment option Automatic payments Discount auto insurance Vehicle service agreements Cost guides Related Links Vehicle service agreements Auto/RV dealers NADA Carfax Equifax - check your credit! Loan calculator Apply Online STCU Site Navigation Member Services Checking Free checking STCU CheckCard Teen CheckCard Direct deposit Overdraft protection Savings & Investments Savings accounts Money market accounts Certificates IRAs Investments Loans & Credit Cards Apply Online Auto/RV loans Personal loans Home equity loans Home loans Student loans Visa cards AutoPay & Skip Pay Vehicle service agreements Business Services Business checking Business loans Employee Benefits Convenience Services Credit Card Processing STCU's FundsMover Online Services Join Online! STCU's NetTeller CATT Apply Online e-statements Classified Ads Premium BillPay Financial Education STCU University Equifax Carfax Just 4 Students Just 4 Students Just 4 Kids Just 4 Teens Just 4 College Students Just 4 Teachers About STCU People Employees Board members Steven L. Dahlstrom Contact Us STCU history Membership Employment Branches and locations Shared branching Teacher of the Month Community involvement What's a credit union? Partners Community Business Partners Auto/RV dealers Thrifty Car Sale Insurance Investments Security Center Security Center Beware of e-mail 'phishing' Security Solutions Anti-spyware Web browsers My Account Online Banking Passwords e-Bill paying e-mail e-statements e-newsletter Telephone teller Unsolicited mail Internet Safety Glossary Tips for financial security Preventing identity theft FAQs News News archive Press Releases Annual Report -2004 Help Help LiveChat Site Map Branches and locations Frequently asked questions STCU Search QuickClicks Apply Online Calculators Classifieds Employment LiveChat Rates STCU's Repo Depot Help | Site Map | Contact Us | Privacy Policy | Disclosures | Validate | Style | © 1995-2006 Spokane Teachers Credit Union

mobile homes increased significantly

NOAA News Online (Story 1105) NOAA Magazine || NOAA Home Page Commerce Dept. MOBILE HOMES AND VEHICLES DEADLY IN TORNADOES March 5, 2003 — Now that spring is here—meteorologically speaking—NOAA reminds Americans to be prepared for tornadoes . Tornadoes occur most often in March through early July, but they can and do occur throughout the year. The number of tornado deaths in mobile homes increased significantly in 2002, totaling more than half of all tornado deaths in the United States, according NOAA. (Click NOAA image for larger view of tornado south of Dimmitt, Texas, taken June 2, 1995. Please credit “NOAA.”) In 2002, a total of 55 people died in tornadoes, 37 of whom were in mobile homes, 12 in permanent homes, four in cars and two outside. In 2001, 40 fatalities were recorded, 11 of those in mobile homes, 18 in permanent homes, six in vehicles, three outside and two in buildings. In 2000, 29 of the 40 tornado deaths, or nearly 78 percent, were in mobile homes, four were in permanent homes, four in vehicles, one was outside and two were in buildings. One reason for the growing rate of mobile home deaths is the increased population in such homes in the past 30 years, according to Harold Brooks, research meteorologist with the NOAA National Severe Storms Laboratory . The number of mobile homes per capita has grown the most in the Southeast, from Arkansas eastward, except for Florida, which has seen slower growth in mobile homes because of new higher building standards in the aftermath of Hurricane Andrew. Mobile homes are not safe during tornadoes. The NOAA National Weather Service recommends leaving a mobile home and going to the lowest floor of a sturdy nearby building or storm shelter. “Tornadoes are extremely violent and other than underground there is no good place in a tornado,” said Dan McCarthy, warning coordination meteorologist with the NOAA Storm Prediction Center . “If you can’t get underground, the best place is in the center of a permanent structure.” The NOAA National Weather Service’s aim, he said, is to make sure no one finds themselves in the middle of nowhere with a tornado bearing down on them. However, in that situation, the NOAA National Weather Service recommends abandoning vehicles when a tornado is approaching, and not take cover underneath overpasses. “Vehicles may not be appropriate shelter. We can provide numerous documented cases of vehicles being carried aloft and dropped by tornadoes, and vehicles impaled by flying debris such as 2x4s,” McCarthy said. “We realize when lying in a ditch you are also vulnerable to flying debris, but it may be better to get out of and away from the vehicle and taking cover by placing your hands over your head.” Then NOAA National Weather Service’s safety recommendations were made following a thorough study conducted by Centers for Disease Control epidemiologists in 1979 following the deadly Wichita Falls, Texas, tornado. They found that people in vehicles trying to escape tornadoes became stuck in traffic jams and on dead-end streets. Others were killed when the tornado curved back over them after they thought they had driven to a safe place. The CDC recommended at that time people in motor vehicles should seek shelter immediately upon hearing a tornado warning and should not attempt to drive from the tornado’s path. “Ultimately, it’s up to each person to decide what to do based on their circumstances,” McCarthy said. “Each situation is different, so making an informed decision provides the best chance for survival.” An average of 1,200 tornadoes cause more than $400 million in damage to homes and businesses, schools and churches annually. Considered nature’s most violent storms, peak tornado activity occurs during the months of March through early July. The NOAA National Weather Service, Red Cross, and the Federal Emergency Management Agency recommend the following actions if a tornado warning is issued. In a home or building, move to a pre-designated shelter, such as a basement or interior room or hallway on the lowest floor and away from windows. In a mobile home, even if tied down, seek shelter in a sturdy building. As a last resort, and if no sturdy building is available leave the mobile home and seek shelter in a nearby ditch. Do not stay in the mobile home. If caught outside or in a vehicle, and where no sturdy building is available lie flat in a nearby ditch away from overpasses and vehicles. NOAA measures spring from March 1 through May 31. NOAA is dedicated to enhancing economic security and national safety through the prediction and research of weather and climate-related events and providing environmental stewardship of the nation’s coastal and marine resources. NOAA is part of the U. S. Department of Commerce . Relevant Web Sites NOAA Storm Prediction Center—The Basics about Tornadoes NOAA Tornadoes Page NOAA Storm Watch NOAA's Monthly Tornado Statistics NOAA National Severe Storms Laboratory Media Contact: Keli Tarp , NOAA Weather Partners , (405) 366-0451