rve Popups, SPAM or

RV Advice Main Entry Page RVAdvice of the World Wide Web Where Ever You Go,We're Always Here! Proud to say we don'tserve Popups, SPAM or Cookies here! Over 325,000 hits and over46,000 unique visitors to RV Advice for the month of December, 2005. Didyou visit last month? We are your recreational vehicleweb site! This web site (a free service) has been createdto help answer the questions to fullfill your quest of "living thedream" because Pete (RV Advice) sees a numerous amount of people livingand traveling in their RV who aren't really "living the dream",simply because they don't quite understand the quirks and mishaps thatcan occur in the normal course of operation of their RV. The Q&A pages on this website are composedof postings of emails received on a daily basis from RVers asking questionsto Pete about their recreational vehicles, tow vehicles, towed vehicles,appliances, RV accessories, etc. They are real questions with candid answerswithout using "rocket science". You can send in an email questionyourself from any of the webpages and you will receive a personal reply,as well as maybe seeing your letter posted on this website a few weeksafter you receive your answer. Because the Q&A pages are email questionsand answers that are posted, the pages change with each new batch of emailposted, along with the questions asked and answers given; so visit often,or become a free RV Advice subscriber! (see below). There is SO MUCH information within thisweb site this "main" page only scratches the surface of discoveringthe wealth of information found within this 200+ page web site. This isthe original RV web site that many others have copied, and ranked as oneof the best recreational vehicle web sites on the Internet! You ask the questions, we givethe answers. Then we post about 40% of the letters and answers on the Q&Apages. The Q&A Catagories are: Motorhomes Fifth Wheels Travel Trailers Popups and Others (truck campers, horse trailers, etc.) Towing and Towed Vehicles Appliances and Accessories Newbies and Wannabies Sales Related Traveling with Pets RV Dinosaurs (twenty plus year old RVs) RV FAQs (Frequently Asked Questions). Links to the Q&A Catagorypages are found on the site map at the bottom of this page. Want to ask questions to otherRVers? Visit our PublicMessage Board . Link also found on the site map at bottom ofthis page. But we're not just a Q&Aweb site! We have lots of information and articles! Using ournavigation map found at the bottom of every page within this web site youcan also find: State by state towing laws and motorhome laws on our Neato Infopage State by state information of highway patrol, tag agencies, thingsto do, etc. on our RV Travel Guide The most complete RV manufacturer list on the "net",including "orphan RVs" on our RV Manufacturers page Articles and advice on traveling with pets on our Traveling withPets page A public message board for free postings and feedback from otherRVers A large RV links section on our RV Links page Surveys to participate in or read past survey results Contests held to win great prizes with no strings attached RV and related articles Listing of RV shows and a listing of RV rallies of variousRV clubs Alphabetical listing of RV "slang" and terminology An on-line RV book store with search engine to Amazon.com books,largest book store on the Internet An on-line RV store with request form for your RVing needs An on-line search engine to browse within our web site for fastresults of what you're looking for A FAQs page for the most often asked questions An email "notification" form you can fill out to be "notified"when a page or pages you are interested in is updated Advertising information for this web site (for future"advertisers/sponsors") A navigation map at the bottom of each page to manuever within thesite Music to listen to (for those of you that enjoy it) An RV Joke page (only jokes related to RVing found here) And Lots MORE! We are your RV web site! Choose from the many RV categories listed on our sitemap below. The webmaster post new letters almost each and every day toone page or another on this website, so come back often or fill out ouremail Notification Form either at this link or found below in the "web site navigation map"to request email notification of the pages that interest you the most. Please browse our websitefor your answers before writing to Pete. We have found that 60%of all the answers of the questions asked can be found within this website and it takes up to three weeks to receive a reply once you send anemail to us, so make sure you browse the web site (especially our Q&ARV FAQs page) before you send an email. You can send an email using the form found on any ofour Q&A pages found on the navigational map located at the bottom ofevery page. Browse our website first, if you can't find your answer,send us an email. We will answer you. We answer ALL email personally, eventhe email that other RV web sites forward to us to answer for them, butdue to the large daily volume of email it does take up to three weeks toreceive a reply. If you need your answer sooner, don't write, we won'tbe able to assist you. Email is answered by PeterScalf , president of RV Chassis Master, Inc. as "first in, firstout", BUT please do NOT CALL him for FREEadvice at his business ! That is what this web site is for!All the postings you see on this web site are from folks just like you,they had questions, they wanted answers. Though we don't post every questionand answer to this web site, we do post about 40% of the daily incomingE-mail, so the pages on our web site constantly change with new email postings. VERY IMPORANT: We do NOT have any AOL E-mail addresses, so please do not write to the folks onAOL with E-mail addresses that are similar to "RV Advice", theyaren't us and don't want our E-mail. The ONLY RV Advice E-mailaddresses end with @rvadvice.com (that is "adviCe" with a "C", NOT "adviSe" with a "S" ). Before using the Navigation Map below, or our searchengine, you are highly advised to check out our " PageUpdates ". This section of RV Advice gives you complete informationon what you can find in each and every section or page of RV Advice andthe last time a particular section was updated. Please note: there somethingupdated almost every day. There is a navigation map and search engine locatedon every page within RV Advice so you can navigate comfortably and confidentlythrough this large 200 + page web site. Our Privacy Statement can be found on our LegalPage Have Fun! RV Advice - Peter Scalf - President - RV ChassisMaster, Inc. Choose from a categorybelow or use our search engine: Pete@rvadvice.com PageUpdates Need a nationwide, reliable ISP? Sign up for EARTHLINK, tellthem RVAdvice.com referred you! Call 1-800-EARTHLINK Want to advertise on RV Advice? Visit our SponsorPage Each of you should look not only to your own interests,but also to the interests of others. --Philippians 2:4

fleetwood rvs" Search again

Compare Prices and Read Reviews on "fleetwood rvs" RVs at Epinions.com Join Epinions | Help | Sign In RVs Cars & Motorsports All Categories Advanced Search Home > Cars & Motorsports > RVs We found 59 results for RVs "fleetwood rvs" Search again by Keyword Return to RVs Search Results Showing 1-15 of 59 items Page 1 2 3 4 - View all Next Hide photos Sort by Rating Sort by Average Price Compare 2000 Fleetwood Angler Compare 2000 Fleetwood Caribou Compare 2000 Fleetwood Elkhorn Compare 2000 Fleetwood Jamboree Compare 2000 Fleetwood Jamboree Rallye Compare 2000 Fleetwood Tioga Compare 2000 Fleetwood American Dream Featured Resources Rv's that Drive like SUVs Roadtrek: comforts of larger RVs with ease of driving an SUV. www.roadtrek.com Fleetwood RV Listings New & Used Fleetwood RVs includes Photos, Floorplans, Specs. & Prices RVweb.com Earnhardts RV RV, motorhomes and towables. Sales, accessories, service and repair. www.earnhardtsrv.com Used Fleetwood Used Cadillac Pricing Research, Reviews, Info, and More www.Edmunds.com All the RVs All the RV, All the Big Savings! Smart RV Shoppers Start Here. RV.RVs.AlltheBrands.com Compare 2000 Fleetwood American Eagle Compare 2000 Fleetwood American Heritage Compare 2000 Fleetwood American Tradition Compare 2000 Fleetwood Discovery Compare 2000 Fleetwood Coleman Destiny Compare 2000 Fleetwood Coleman Grand Tour Compare 2000 Fleetwood Coleman Grand Tour Elite Compare 2000 Fleetwood Mallard Showing 1-15 of 59 items Page 1 2 3 4 - View all Next Refine these results by Length (feet) Over 30 feet Long (22) 20 feet to 30 feet Long (19) Under 20 feet Long (15) by Type Travel Trailers (17) Class A Motorhomes (8) Fifth Wheel RVs (8) Tent Trailers (8) Class C Motorhomes (7) view more or Refine By Keyword Featured Resources Rv's that Drive like SUVs Roadtrek: comforts of larger RVs with ease of driving an SUV. www.roadtrek.com Fleetwood RV Listings New & Used Fleetwood RVs includes Photos, Floorplans, Specs. & Prices RVweb.com Earnhardts RV RV, motorhomes and towables. Sales, accessories, service and repair. www.earnhardtsrv.com Used Fleetwood Used Cadillac Pricing Research, Reviews, Info, and More www.Edmunds.com All the RVs All the RV, All the Big Savings! Smart RV Shoppers Start Here. RV.RVs.AlltheBrands.com Help | Member Center | Message Boards | Site Rules | User Agreement | Privacy Policy | Site Index About Epinions | Careers | Contact Epinions | Advertising Epinions | DealTime USA | DealTime UK | PriceTool | Shopping.com | Rent.com © 1999-2006 Epinions, Inc. Trademark Notice Epinions.com periodically updates pricing and product information from third-party sources, so some information may be slightly out-of-date. You should confirm all information before relying on it.

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

Recreation Vehicles Your automobile

Recreational Vehicles Home | Aon Global | Site Map | Contact Us Search: About Aon Risk Insurance Human Capital Consulting Affinity Personal Insurance Personal Insurance Automobile Insurance Financial Planning Group & Speciality Programs Home and Property Insurance Other Insurance Products Recreational Vehicles Travel Insurance Yachts and Boats Glossary of Insurance Terms Canada Individuals Recreational Vehicles Recreational Vehicles Motorcycles, Snowmobiles and Other Recreation Vehicles Your automobile policy does not automatically provide coverage for motorcycles, all-terrain vehicles, motorized bicycles, dune buggies, motorized scooters, snowmobiles or trailer homes. In most cases, your homeowners policy does not provide such coverage either. Your homeowners policy may cover you while some types of these motor vehicles are being used on your premises, otherwise specific coverage has to be arranged. These are better covered under specific recreational vehicle type coverage. Do not assume you have coverage Unfortunately, there have been some serious recreational vehicle accidents that have resulted in death claims. We urge you to be sure your insurance program provides the necessary coverages. In most cases, neither your automobile policy nor your home insurance policy provides cover for motorcycles, snowmobiles or other recreation vehicles. Insurance policies designed specifically for recreation vehicles are available through Aon. Contact Info For more information, please contact: National Contact: Aon Reed Stenhouse Marjatta Light Phone: (416) 868-5542 marjatta.light@aon.ca Local Contacts: Calgary, AB Wanda Sinclair Phone: (403) 267-7054 wanda.sinclair@aon.ca Edmonton, AB Sharon Kirk Phone: (780) 497-6251 sharon.kirk@aon.ca Grande Prairie, AB Sharon Barnsdale Phone: (780) 538-8455 sharon.barnesdale@aon.ca Kamloops, BC Tiffany Andrews Phone: (250) 376-1466, ext.#17 tiffany.andrews@aon.ca Vancouver, BC Sharon Knotts Phone: (604) 443-3356 sharon.knotts@aon.ca Victoria, BC Patricia Johnson Phone: (250) 413-2227 patricia.johnson@aon.ca Winnipeg, MB Cheryl Mussell Phone: (204) 934-0231 cheryl.mussell@aon.ca St. John's, NF Mary Lou Vokey Phone: (709) 739-1040 mary.lou.vokey@aon.ca Yellowknife, NT Carla Shuparski Phone: (867) 873-4126 carla.shuparski@aon.ca Halifax, NS Rose Rhodenizer Phone: (902) 429-7310 rose.rhodenizer@aon.ca Hamilton, ON Grace Hoefkens Phone: (905) 527-1210 grace.hoefkens@aon.ca London, ON Ann Marie Kiley-Taylor Phone: (519) 430-7417 annmarie.kiley-taylor@aon.ca Niagara Falls, ON Kathy McIntyre Phone: (905) 356-4000 kathy.mcintyre@aon.ca Ohsweken, ON Darlene Butler Phone: (519) 445-2961 darlene.butler@aon.ca Ottawa, ON Lynn Alder Phone: (613) 792-4854 lynn.alder@aon.ca Sarnia, ON Jill Zimmer Phone: (519) 332-2225 jill.zimmer@aon.ca Thunder Bay, ON Jo-Ann Menard Phone: (807) 346-7438 jo-ann.menard@aon.ca Toronto, ON Ulla Vares Phone: (416) 868-5812 ulla.vares@aon.ca Windsor, ON Carol Teno Phone: (519) 256-8281 carol.teno@aon.ca Montreal, QC Sylvie Boivin Phone: (514) 840-7883 sylvie.boivin@aon.ca Regina & Saskatoon, SK Donna Reid Phone: (306) 566-6810 donna.reid@aon.ca Whitehorse, YT Brenda Richardson Phone: (867) 668-4343 brenda.richardson@aon.ca -- [ About Aon | Risk Insurance | Human Capital Consulting | Affinity | Personal Insurance ] [ Home | Aon Global | Site Map | Contact Us | Legal | Privacy ]

Luxury RV

Rent a luxury motorhome or RV in Canada - Toronto, Halifax, Calgary, Vancouver, Whitehorse Home | Sitemap | Links Search Select... Home Products -- Motorhomes -- MH Sales -- Rental Cars -- River Cruise Resources Shop Contact Us Site Map Europe • Spain • Italy • France • Germany • Norway • Sweden • Finland • Britain • Ireland North America • United States • Canada *NEW* Africa • South Africa • Namibia • Botswana • Zimbabwe Australasia • Australia • New Zealand Member of the Recreational Vehicle Rental Association Locations Models Prices and Seasons Terms Availability Convert CAN$ to Euro GBP USD Universal Currency Converter 10ft Truck / Camper License Required - Ordinary Comfortable for 3 persons Automatic Transmission, 4 Speed Overdrive Ford or Chevy Chassis V8 Diesel Engine Cruise Control Tilt Steering Wheel Power Steering Power Brakes Dash Air Conditioning AM/FM Radio with CD Fridge Stove Oven/Microwave Hot Water Heater Furnace Flush Toilet Overcab Bed 1.50 x 1.95 Dinette Bed .90 x 1.85 Overall Length 6.50 Overall Width 2.50 Overall Height 3.30 Interior Height 1.95 Fresh water 93-110 L Black water 50-64 L Grey water 35-55 L Gas Capacity 128 L Propane Capacity 32 L All measurements are metric, approximate and may vary on model years Click Pictures to Zoom Home | Products | Resources | Shop | Contact Us | Sitemap © 2006 EU Bookings LTD. | Company Reg. No. 334052 | DUNS No. 985325369 | Privacy Policy