used RV without any

RV Consignment - PPL is the Consignment Leader Home | RVs for Sale | Sell Your RV | RV Insurance | RV Parts | About PPL | RV Service | Map | Contact PPL RV Consignment ( Click Here for a special Money Saving Internet Offer! ) RV Consignment withPPL Can Sell yourVehicle Quickly and at a Fair Price! RV Consignment sales are not a side line at PPL Motor Homes . PPL is the Largest Consignment Dealer in the USA selling over 15,500 Recreational Vehicles since 1972. Go to Ready to sell my RV or click on the topics below for moreinformation about our hassle free way to buy or sell your Diesel, Motorhome, 5th Wheel or Travel Trailer. RV Consignment Specialist Eager Buyer List Free Appraisals Advertising Trade-ins or Cash Purchases Extended Warranties Experienced Staff Detailing Service No Cost Unless Sold Customer Comments Financing Out of State Sellers How to Get Listed If you are even remotely thinking about selling your vehicle, click on the button to the left and request the free booklet " Nine Steps to Selling Your RV" ... Avoid Common Mistakes in Selling Your RV . These tips and "no-nos" could save you thousands and help you avoid headaches when selling your vehicle. ( Click here for photo tour of PPL) RV Consignment Specialist Since 1972, PPL has been the RV consignment leader. We do not sell any new units. Selling new vehicles would distract us from focusing on selling your recreational vehicle. More on why you should use the services of a consignment specialist Return to Top Free Appraisals The right asking price for your Consignment Unit is critical for you to get the top dollar for your vehicle. We use prices of previously sold units, blue books, and experienced appraisers to make sure your vehicle is priced toyour best advantage. With these important steps, PPL prices your unit to sell at the fair market price. You can take advantage of our free appraisal when you list your unit for sale. Return to Top We May Already have A Buyer for Your Unit Chances are, PPL already has a buyer for your vehicle and we know how to get them interested in buying yours. Over 8000buyers actively receive information on your unit thru the mail and over 11,000buyers receive email updates. Many times a quick sale is made! Return to Top Extensive Advertising You might be surprised by all the ways we advertise your vehicle to reach potential buyers. Our extensiveadvertising enables a fast sale at the best price for you. Learnmore... Return to Top Trade-ins or Cash Purchases PPL makes it simple for you to do a trade. PPL can also pay you immediate cash for your vehicle. This means you won't have to delay the start of your next adventure. Return to Top Financing PPL has up to 12 year financing available. We can even finance oldervehicles currently back to 1992 models. This can make a tremendous difference inselling your RV. As you may well know, cash buyers are really hard to find! Return to Top Extended Warranties (Service Agreements) Extended service agreements are offered by PPL on many later models. Some customers are leery of buying aused RV without any warranty. Our extended warranties provide buyers with peaceof mind and are another reason why they prefer buying a PPL consigned vehicle. Return to Top Detailing Service A clean, bright vehicle will sell quicker and command a better price. Learn more about PPL's professionaldetailing service . See how spending a little can put additional money in your pocket. Return to Top Customer Comments We ask every customer what we are doing right and what we couldimprove on. We are proud of what our customers say about our no hassle sales program. (Many of thesecomments are included here ) Return to Top Experienced Staff RV pricing, advertising, marketing, detailing, financing, extended service agreements, and trouble free closings all happen because of our experienced Sales staff. Return to Top Out of State RV Seller Program If you live outside of Texas and do not want to bring your RV to our Houston location yourself, take advantage of our sign up by mail program and delivery of your vehicle to our Houston location. Click here for details. Return to Top No Cost Unless Sold There is no commission due until your vehicle is sold. Once yourvehicle is sold,the commission is 10% of the selling price. The minimum commission is $1475 for motor homes and $975 for travel trailers and fifth wheels. Return to Top How to Get Your Vehicle Listed for Sale Follow these step by step details onhow to get your unit appraised and listed for sale at PPL's huge RVconsignment dealership. Join the thousands who have benefited from this powerfulconsignment sales system. Return to Top 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

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

RV Trader RV Insider

Find a Recreational Vehicle on RV Trader Online Contents Home Search Browse Place An Ad · modify your ad · renew your ad Find a Dealer Buyer's Guide Subscribe Help My RV Trader RV Insider Resources Financial Services NADA RV Values Insurance Products for the RV Lifestyle RV Transport Warranties RV Donation Generators RV Lots and Properties for Sale Campgrounds/Resorts RV Rentals Loan Calculator RV Links Escrow Dealers Sign Up Now! Demo Login Password Forgot your password? Click here . Our easy-to-use browse lets you browse recreational vehicles in two easy steps. Click the type of recreational vehicle you're interested in below. The search criteria is optional. Note: recreational vehicles available to Browse are recreational vehicles that have been classified by our dealers and private parties. To view more recreational vehicles that have not been classified, use our Search feature. Vehicle Types Available Our easy-to-use browse lets you browse recreational vehicles in two easy steps.Set your browse criteria and then select a class of recreational vehicles to browse below. Year Range: to State: Select a State... Alabama == 540 Alaska == 1 Alberta == 2 American Samoa Arizona == 4,200 Arkansas == 516 Armed Forces Americas Armed Forces Europe Armed Forces Pacific British Columbia == 4 California == 8,109 Colorado == 1,541 Connecticut == 165 Delaware == 124 District of Columbia Federated States of Micronesia == 1 Florida == 8,262 Georgia == 2,893 Guam Hawaii Idaho == 414 Illinois == 1,805 Indiana == 2,140 Iowa == 483 Kansas == 598 Kentucky == 556 Louisiana == 143 Maine == 62 Manitoba Marshall Islands Maryland == 119 Massachusetts == 657 Michigan == 3,588 Minnesota == 2,125 Mississippi == 327 Missouri == 747 Montana == 298 Nebraska == 2 Nevada == 1,092 New Brunswick New Hampshire == 215 New Jersey == 894 New Mexico == 419 New York == 2,085 Newfoundland North Carolina == 2,489 North Dakota == 265 Northern Mariana Islands Northwest Territories Nova Scotia == 1 Nunavut Ohio == 2,884 Oklahoma == 1,129 Ontario == 5 Oregon == 3,412 Palau Pennsylvania == 3,098 Prince Edward Island Puerto Rico Quebec == 1 Rhode Island == 86 Saskatchewan South Carolina == 850 South Dakota == 4 Tennessee == 1,235 Texas == 4,557 US Virgin Isles Utah == 827 Vermont == 10 Virginia == 727 Washington == 3,053 West Virginia == 157 Wisconsin == 1,378 Wyoming == 22 Yukon Territory Ads per page: 15 25 50 Search Ads Ads with photos only All Ads Class A Largest and most luxurious of the motorized RV's. Browse Fleetwood, Monaco, Beaver, and others. Class B Compact and good for towing. Browse Airstream, Coachmen, Born Free, and others. Class C A scaled-down Class A. Browse Winnebago, Fleetwood, Chateau, and others. Fifth Wheel Often called Fivers, the RV of choice for full-timers. Browse Gulfstream, Alpenlite, Newmar, Thor, and others. Folding Camper Lightweight unit with sides that collapse for towing and storage, Browse Jayco, Forest River, Coleman, and others. Park Model Designed to be moved solely for occasional relocation. Browse Breckenridge, Skyline, Canterbury, and others. Toy Hauler Specifically used to haul toys - cycles, ATVs, etc. Browse Weekend Warrior, K-Z, Roadmaster, and others. Travel Trailer Designed to be towed, it offers all the amenities of home. Truck Camper Popular for remote location camping. Browse Lance, Sunvalley, Arctic Fox, and others. Park Model Designed to be moved solely for occasional relocation. Browse Breckenridge, Skyline, Canterbury, and others. Buyer's Guide What kind of RV suits your needs? We'll help you decide on a motorized Class A, Class B, or Class C motorhome or a towableFifth Wheel, Folding Camper, Toy Hauler, Travel Trailer, or Truck Camper. Pick Up an RV Trader Magazine Today! | Search | Place an Ad | Find a Dealer | Resources | Site Map | | Contact Us | About Us | Help | Privacy Policy | Fraud Prevention Tips | Visitor Agreement | Security Center | 2006, Trader Publishing Company All Rights Reserved. This document is strictly for informational, non-commercial purposes. Aero | ATV | Auto | Auto | -- Boats | Collector Car | Cycle | Equipment | Merchandise | RV | Truck | TraderOnline || Apartments | Homes | Jobs | Lodging | Parenthood | Vacation Rentals AutoExtra.com | AutoMart.com BoatTraderOnline.com | Boats.com | YachtWorld.com | Soundings | Nor'easter | PassageMaker HarmonHomes.com | Homes.com | NUMBER1EXPERT.com | DistinctHomes.com

Used RV Loan New

OCTFCU - Other Vehicle Loans SEARCH Other Vehicle Loans New Motorcycle Loan Used Motorcycle Loan New Recreational Vehicle Loan Used Recreational Vehicle Loan New Boat & Watercraft Loan Auto Insurance Checking & Savings Loans & Credit Cards Home Loans Investments & Retirement Insurance Online Banking Tools Locations ATM Finder Contact Us Community Checking Savings Share Certificates IRA Certificates Savings for Educators Auto Credit Cards Loans for Educators Other Loans Student Home Purchase Home Refinance Home Equity Financial Advice IRAs Retirement for Educators Other Retirement College Savings Plans Financial Workshops Auto Auto Quote Home Homeowner's Quote Life Other Insurance Other Benefits -- New Users My Account Log In My Credit Card Account Log In Bill Payment eNotices eStatements Online Security Calculators Educational Articles Financial Workshops Online Retirement Tools IRA Service Center Links of Interest Online Applications Rates Branches Express Centers Fee-Free ATMs Fee-Free District ATMs Fee-Free CO-OP ATMs Cirrus ATMs Star ATMs Email Online Telephone Service Center TellerPhone Mail Branch Hours We're Listening Telecom. Device for Deaf Job Hotline -- Annual Meeting Education Foundation Educators First Award Heroes in Education -- Member Education Award OCTFCU Winners' Circle Worthy Student Award Free Checking Access Checking Investment Checking Share Savings Money Market Junior Varsity/Varsity College Saver Custom Savings - My Club Share Certificate Overview Share Certificate Rates Promotional Share Certificates IRA Certificate Overview IRA Certificate Rates Promotional IRA Certificates Traditional IRA Roth IRA Coverdell Ed. Savings Account Summer Saver Paycheck Planner 403(b) Tax-Sheltered Accounts 457(b) DCP Certificates Auto Financing Auto Purchasing Auto Insurance Visa Classic Visa Gold Visa Platinum Visa Rewards Card Student Visa Share-Secured Visa Computer Loan Educators Mortgage Program Paraprof. Teacher Training Program Retirement Credits Loans Teacher Loans New Motorcycle Loan Used Motorcycle Loan New RV Loan Used RV Loan New Boat & Watercraft Loan Personal Loan Overdraft Protection Loan Secured Loans Stafford Loan Parent Loan (PLUS) Higher Education Loan Fixed-Rate Programs Adjustable-Rate Programs Realtor Affinity Program Fixed-Rate Programs Adjustable-Rate Programs Home Equity Loan Home Equity Line of Credit Meet Our Advisors Schedule a Consultation Financial Services Product Information IRA Overview Traditional IRA Roth IRA Rollover IRA Coverdell Ed. Savings Account Retirement Plans for Educators 403(b) Tax-Sheltered Accounts 457(b) Deferred Compensation Plans SEP IRA - Employer Simple IRA - Employer 529 Plan Coverdell Ed. Savings Account College Saver Auto Insurance Mechanical Breakdown Protection RV, Boat & Watercraft Insurance Homeowner's Insurance Home Mortgage Protection Condominium Insurance Renter's Insurance Life Insurance Overview Term Life Insurance Universal Life Insurance Variable Universal Life Insurance Whole Life Insurance Accidental Death & Dismemberment Credit Life & Disability Insurance Earthquake Insurance Flood Insurance Sabbatical Leave Bonds Umbrella Insurance Credit Card Payoff IRA Loan Mortgage Loan Savings Credit Card Rates Dividend Rates Educator Product Rates Home Equity Loan Rates Loan Rates Mortgage Loan/Refinance Rates Application Overview Auto Insurance Quote Credit Card Application Credit Card Balance Transfer Express Loan Application Home Equity Loan Application Homeowner's Insurance Quote Mortgage Loan Application IRA Advisor 403b/457b Advisor Consumer Credit Counseling Service Discount Movie Tickets Educator Resources Experian Kelley Blue Book myFICO Savings Bonds US Mint Used Recreational Vehicle Loan An OCTFCU Used Recreational Vehicle Loan allows you to get out and explore the world in comfort and style. Finance up to 100% of the used wholesale Kelley Blue Book value for your RV, motor home, or travel trailer. Features No application or funding fees Terms up to 144 months Pre-approval for easier, hassle-free shopping percentage point discount for automatic payments made from your OCTFCU account Used Recreational Vehicle Loan Rates The rates quoted are effective as of 1/24/2006 and are subject to change without notice. APR Loan Amounts Terms in Months Up to 100% of wholesale Kelly Blue Book including tax, license, warranty, etc., on RVs manufactured in the last 10 years only 8.25%*-12.00% Up to $4,999 36 $5,000 - $9,999 48 $10,000 - $24,999 72 $25,000 - $49,999 96 $50,000 + 144 * OCTFCU has a loan program which features a range of interest rates for some of itsconsumer loans. A rate is based on a variety of factors, including the applicant'scredit rating and OCTFCU account history. These rates reflect a percentage pointdiscount for payment through automatic transfer from an OCTFCU Share Savings orChecking account. Apply Now Helpful Tools Apply Now Loan Calculators All Loan Rates Kelley Blue Book Vehicle Pricing Credit Information Related Topics How Your Credit Score Affects Your Loan Calendar Site Map Publications Privacy Policy Careers About Us Home 2006 OCTFCU. All rights reserved. 73-OCTFCU2004

RV Trader RV Insider

RV Trader Online Contents Home Search Browse Place An Ad · modify your ad · renew your ad Find a Dealer Buyer's Guide Subscribe Help My RV Trader RV Insider Resources Financial Services NADA RV Values Insurance Products for the RV Lifestyle RV Transport Warranties RV Donation Generators RV Lots and Properties for Sale Campgrounds/Resorts RV Rentals Loan Calculator RV Links Escrow Dealers Sign Up Now! Demo Login Password Forgot your password? Click here . Links Find recreational vehicle links quickly by browsing the categories below. If you would like to see a link added, CLICK HERE . Camping Equipment Total Links this Category: 4 Cobb America No matter what the weather, the Cobb BBQ cooking system is ready whenever you are. Laptop Travel Information about computing while traveling. Peg's Canopy Connection Motorhome and RV tents for camping, picnics, gatherings and as extensions to your RV to create more protected space. Timbucktu Other Available Products and Services Produced, Constructed and Hosted by: The IntraImage Company, Inc.WAN - WEB - Intranet Development. [ info@intra If you would like to see a link added " CLICK HERE ". Pick Up an RV Trader Magazine Today! | Search | Place an Ad | Find a Dealer | Resources | Site Map | | Contact Us | About Us | Help | Privacy Policy | Fraud Prevention Tips | Visitor Agreement | Security Center | 2006, Trader Publishing Company All Rights Reserved. This document is strictly for informational, non-commercial purposes. Aero | ATV | Auto | Auto | -- Boats | Collector Car | Cycle | Equipment | Merchandise | RV | Truck | TraderOnline || Apartments | Homes | Jobs | Lodging | Parenthood | Vacation Rentals AutoExtra.com | AutoMart.com BoatTraderOnline.com | Boats.com | YachtWorld.com | Soundings | Nor'easter | PassageMaker HarmonHomes.com | Homes.com | NUMBER1EXPERT.com | DistinctHomes.com