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More selling power than just used RV Classifieds Home | RVs for Sale | Sell Your RV | RV Insurance | RV Parts | About PPL | RV Service | Map | Contact PPL Used RV Classifieds ( Click Here for a special Money Saving Internet Offer! ) Our used motorhome prices are based on the experience that comes with sellingover 13,000 RVs since 1972. Used motor home prices from a motorhome priceguide are just a small part of PPL's appraisal of your RV. The right asking price is critical for you to get the top dollar for your RV. The information below will help explain why PPL Motor Homes has grown to bethe largest RV Consignment dealership in the USA. Valuable free e-mail service if you are buying, selling or own an RV ( Click here for photo tour of PPL) Click here to see used RVs for sale RV Consignment Specialist Selling your RV is not a side line at PPL...it's what we've been doing since 1972. We do not sell any new RVs. Selling new RVs could distract us from our focus on selling your consigned RV. Blue Book Prices Find out how to obtain Blue Book prices for used RVs. Free RV Appraisals PPL understands the recreational vehicle market. Learn how you can take advantage of our experience to have your RV correctly priced. Please call today to arrange an appointment to meet with one of our RV appraisers. 713-988-5555 or 1-800-755-4775 We May Already have A Buyer for Your RV Chances are, PPL already has a buyer for your RV and we know how to get them interested in buying your used RV whether it is a diesel pusher, class A motor home, class C motor home, travel trailer, or 5th wheel. Advertising You might be surprised by all the ways we advertise your recreational vehicle to reach potential buyers. Our extensive RV advertising enables a fast sale at the best price for you. Trade-ins or Cash Purchases PPL makes it simple for you to do an RV trade. PPL can also pay you immediate cash for your RV. This means you won't have to delay the start of your next adventure. RV Financing Long term motor home, travel trailer and fifth wheel financing for the buyers of a used RVs can seal the deal in many cases. Extended Warranties The extended warranties offered by PPL on many RVs is another reason many buyers prefer to buy a PPL consigned RV. Detailing A clean, bright used RV will sell quicker and command a better price. Learn about PPL's professional detailing service. See how spending a little can put additional money in your pocket. Customer Comments We ask every buyer and seller what we are doing right and what we could improve on. We are proud of what our customers say about our no hassle consignment sales program. (Many of these comments are included here) Experienced Staff RV pricing, advertising, marketing, detailing, financing, extended service agreements, and trouble free closings all happen because of our experienced RV Sales staff. No Cost Unless Sold There is no commission due until your RV is sold. Once your RV is sold, the commission is 10% of the selling price. The minimum commission is $1475 for diesel pushers, motor homes and van conversions and $975 for travel trailers and fifth wheels. How to Get Your RV Listed for Sale Easy step by step details on how to get your RV priced and listed for sale at PPL's huge RV consignment dealership. Join the thousands who have benefited from this powerful RV consignment sales system. PPL Motor Homes 10777 Southwest Freeway (Highway 59 South) Houston, Texas 77074-9829 713-988-5555 1-800-755-4775 Hours: 8-5:30pm Mon-Fri 9-4 Central Saturday PPL Home | RVs for Sale | Steps to Buy | Sell Your RV | Insurance RV Parts Superstore Home | Service | About PPL | Photo Tour | Contact PPL PPL Motor Homes Houston, Texas All Rights Reserved, 1997-2006 Recreation Vehicle InsuranceRVUSA - The Original Online RV Guide HOME FIND YOUR RV Sell Your RV RV Manufacturers New RV Dealers Used RV Dealers RV Parts/Accessories RV Service RV Storage RV Road Service RV Rentals RV Financing RV Insurance RV Extended Warranties Product Manufacturers Product Suppliers RV Magazines RV Parks, Resort, Campground Tourism Travel Links Weather & Roads FREE Classifieds!! RV Forums RV Tips Camping Recipes Newcomer's Guide RV Clubs RV Shows & Events RV Links Testimonials RVUSA Wallpaper Become An Affiliate Become A Member Nationwide Internet Access Resources Inventory Feed Edit My RV Dealer Log In Leads Log In Affiliate Log In About Us Contact Us Privacy Policy Site Map 1111 SW 17th Street Suite 100 Ocala, FL 34474 TOLL FREE (866) 643-4625 (800) 709-3240 FAX (352) 401-0353 Any questions or comments about this website, email us at: webmaster@ rvusa.com PROUD MEMBERS OF RVUSA MEMBERS Thum Insurance Agency, LLC 6119 28th Street SE Grand Rapids, 49546 info@thuminsurance.com Toll-Free: 800-866-0777 Phone: 616-957-2400 Fax: 616-957-1204 Website: www.thuminsurance.com "RV and Watercraft Insurance Coast to Coast" - Thum Insurance Agency, LLC, is licensed in all states, and has over 30 years experience in providing insurance coverage. We can provide the right coverage you need to protect your investment. A specialized policy will fulfill your states legal requirements and provide you with expanded coverage to meet your personal needs. Visit our website featuring online quote forms. Our goal is to exceed your expectations, not just satisfy them. RV Financing USA 550 Sparrow Drive Shepherdsville, KY 40165 rv@rvfinancingusa.com Toll-Free: 877-288-6480 Phone: 502-955-6395 Fax: 502-955-4803 Website: www.rvfinancingusa.com Our expert loan officers will help you every step of the way until you are on the road to having fun. Our easy to use, free application is available 24 hours a day for your convenience. The features and benefits of choosing RV Financing USA, provide for the most positive and swift closing experience of your loan. If you are ready to purchase, refinancing, or just need a rate quote, apply now to find your low rate with RV Financing USA and let us make you "Happy Campers... Literally!" Twin Peaks RV Insurance 3677 Davie Blvd Fort Lauderdale, 33312 atwinpeaks@aol.com Toll-Free: 800-507-8467 Phone: 954-791-5007 Website: www.twinpeaksinsurance.com We have been specializing in RV's since 1980 and are licensed in Florida and many other states. Twin Peaks Insurance offers you special coverages that many other policies don't. Our RV policies offer you specialized protection made to meet the specific needs of RV owners. Explorer RV Insurance Agency PO Box 568 Richfield, OH 44286 explorer@explorerrv.com Toll-Free: 888-774-6778 Website: www.explorerrv.com Explorer RV Insurance Agency, Inc. - Save 15% Over Leading RV Specialty Insurance We feature specialty RV insurance coverages like total loss replacement, purchase price guarantee, custom equipment coverage, awning replacement coverage, diminishing deductibles, full-timers liability coverage, vacation liability, emergency expense coverage and personal effects (contents) coverage. We also have an insurance policy available for medium duty trucks and fifth wheels. Contact us for a free, no obligation quote. Explorer RV Insurance Agency, Inc. - Explorer RV Insurance has partnered with Financial Underwriters Network to offer you a special opportunity to refinance your RV at today's low interest rates, and lower your monthly payments, or finance a new or used purchase. RV Insurance Professionals 1300 S. Milton, Suite 224 Flagstaff, AZ 86001 andrew.callihoo@rvinsurancepro.com Toll-Free: 877-784-6787 Phone: 928-214-3750 Fax: 928-213-8476 Website: www.rvinsurancepro.com Licensed in almost every U.S. State, we represent the leading US providers of insurance products for owners of Recreational Vehicles, Motorhomes, Travel Trailers, Fifth Wheels and Specialized Full-Timers Coverage. You can complete the online form & we will find the best coverage & value for your needs. Mexican Insurance Online , sales@drivemex.com Toll-Free: 866-367-5053 Website: www.drivemex.com Bringing Mexican RV Insurance to Americans with the best rates and terms in the market. Policies can be ordered by phone, fax and over the Internet. All Roads Capital 12800 Leonard Parkway North Jackson, OH 44451 loans@allroadscapital.com Toll-Free: 800-619-4104 Phone: 330-538-3780 Fax: 800-619-4105 Website: www.allroadscapital.com RV Loans Made Simple. We provide financing solutions for buyers and sellers, private owners and dealerships. Save time and money with quick approvals and low rates. 20-Year terms and $0 down programs available. We can get you refinanced, too!! Start packing we'll handle the paperwork. Gilbert RV Insurance 5780 South Semoran Blvd. Orlando, FL 32822 info@gilbertrvinsurance.com Toll-Free: 888-RV-INSURE Phone: 888-784-6787 Website: www.rv-insurance.com "We Insure Your Total Piece of Mind" RV America Insurance 15 McCoy Place Simi Valley, 93065 pbender@rvainsurance.com Toll-Free: 800-400-0186 Website: www.rvainsurance.com We choose from many top-rated RV insurance companies to find you a low rate. RV America Insurance represents many top-rated RV insurance companies. You can save time and money because we'll do the shopping for you. We represent virtually every RV insurance company you can find on the internet. Specialized coverage can include Total Loss Replacement, Unlimited Towing and Roadside Assistance, Emergency Expenses, and more. Our companies are rated A, Excellent or higher by A.M. Best. RV Protection PO Box 14098 Mill Creek, WA 98082 rvguy@rvprotection.net Toll-Free: 877-248-8265 Phone: 425-418-3352 Website: www.rvprotection.net RVP is your leading source provider for after-sale, after-market products and services, specializing in USA Travel Care Extended Service Plans for RV's, Auto's, and Boats. Our #1 Exclusionary Coverage is the Nation's most comprehensive coverage you can get. Don't buy coverage until you get your quote from us! Lowest Quotes on the Net! Florida Hiway & Marine Insurance 55 Goodwin Drive, Suite 103 Merritt Island, FL 32952 jamer1@fdn.com Toll-Free: 800-959-3313 Phone: 321-459-9905 Fax: 321-459-3699 Website: www.fla-hiway-marine.com Since 1989, Florida Hiway and Marine Insurance has provided all of Florida & Georgia with protection and coverage. We feature a wide selection of "A" rated companies for RV's, Motor Homes, Boats, Motorcycles, ATV's and much more. Mexico Insurance Professionals 1300 S. Milton, Suite 224 Flagstaff, AZ 86001 mexico@mexpro.com Toll-Free: 888-467-4639 Phone: 928-214-9750 Fax: 928-213-8476 Website: www.mexpro.com Mexico Insurance Professionals represents Mexico's finest insurers. Our Mexican Auto policies offer some of the broadest coverage available in the marketplace and are among the most competitively priced Mexico insurance policies available. We won't sell you insurance from a "fly by night" underwriter, in order to save you a few dollars now. OTHER INSURANCE PROVIDERS Name Address Phone Ada Vis Global PO Box 744 Temecula, CA 92593 800-909-4457 Adventure Mexican Insurance Services 277 Maher Road Royal Oaks, CA 95076 800-485-4075 American Modern Insurance Group 7000 Midland Blvd Amelia, OH 45102 Aon Recreation Insurance 2600 116th Avenue NE, Suite 200 Bellevue, WA 98004 800-521-2942 Bajabound Mexican Insurance 920 East Street #301 San Diego, CA 92101 888-552-2252 Borden RV Insurance , NH 800-446-9699 Camping World RV & Car Insurance One GMAC Insurance Plaza St. Louis, MO 63045 800-889-1137 Ed Tobin Agency 926 Haddon Avenue PO Box 926 Collingswood, NJ 08108 800-759-6321 First Choice Insurance 99 Throphy Club Drive, Suite 335 Trophy Club, TX 76262 817-791-3403 Foremost Insurance Company PO Box 2450 Grand Rapids, MI 49501 800-262-0170 K & K Insurance Group, Inc. 1712 Magnavox Way PO Box 2338 Fort Wayne, IN 46804 800-552-9253 MBA Insurance, Inc. 7201 E. Camelback Road, Suite 350 Scottsdale, AZ 85251 602-946-1066 MSW Specialty Insurance Services 2211 7th Avenue South Birmingham, AL 35233 800-937-8895 Texas Partners Insurance Group 25329 I-45 N., Suite 111 The Woodlands, TX 77380 866-839-2945 The Hartford Insurance Group 200 - 3 Executive Blvd Southington, CT 06489 800-678-3457 © 1995 - 2005 RVUSA.com. All Rights Reserved. Privacy Statement . motorhomes or camper vans.Motorhome Mailing List The Motorhome List is a UK based mailing list for motorcaravan owners to discuss any topic relating to the ownership, use and enjoyment of motorcaravans, motorhomes or camper vans. IT IS COMPLETELY FREE TO JOIN - AND ALWAYS WILL BE Motorhome List Website Contents Events Travel Info Site Listings Motorhome stopovers Links FAQs Buying abroad Checklist Motorhomes For Sale Motorhome List area on YahooGroups (members only) Whats a mailing list? Its a group of people who communicate with each other by email. 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Click the Motorhome List 'Join Now' button below or send a blank email to: motorhome-list-subscribe@yahoogroups.com Motorhome Living If you are interested in full-time or long term travelling in a motorhome you may like to subscribe to a new group: Motorhome Living . It is a spin-off from the Motorhome List and is purely for the discussion of the issues relating to long term living in a motorhome Click the Motorhome Living 'Join Now' button below or send a blank email to: motorhome-living-subscribe@yahoogroups.co.uk Buff's motorhome ode Buying a camper van was the best thing we ever did, and I am sure you will feel the same. Our van is our cottage in the country, our beach hut when on the coast, a seat by the window in a restaurant with the best view possible, and a hotel with the best view possible from the bedroom, the kitchen and the loo!!! Our van isn't male or female, it is just heaven on earth! It represents freedom to roam and make the very most of every free day you have. 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SPECIALS Las Vegas Special Raceway Deal Corporate Clients Special OUR GUARANTEE We guarantee our overseas customers will thoroughly enjoy their motorhome, or they can return it, within 24 hours, with less than 100 miles on it, for a full refund HOUSEKEEPING KITS All Housekeeping Kits must be ordered at time of booking or they will not be available when motorhome is picked up. WANT TO RENT A...? Tow Behind Car Mountain Bike Bike Rack Generator Car Seat for a Small Child Utility Flatbed Trailer Dune Buggy CORPORATE CLIENTS We also specialize in long term rentals to the movie and television production industry, sport events, concerts, fairs, commercial enterprises, dog/horse shows, conventions, etc. Save with our Corporate Special . We are in the process of updating its motorhome fleet for the coming season, so that our customers will always have clean, low mileage, dependable, privately owned motorhomes, of various years and sizes, for rent to the most discriminating of customers. rv SEE OUR REVIEW IN ATV SPORT MAGAZINE We also specialize in long term rentals for Corporate Clients We are proud to supply RVs to (among others): in Las Vegas 2002 Slime Time Live 2002 Winter Tour Japan Grand Touring Championship USA 2004 Lifetime Television for Women 2005 We support our Troops RV America We are a California, USA based motorhome, RV, caravan rental and a motorhome, RV, caravan sales company serving the Los Angeles, Orange County, Riverside and San Bernardino areas. Also serving Los Angeles International Airport, Orange County's John Wayne Airport and Ontario Airport. Deliveries available to Las Vegas, San Francisco and San Diego. 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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