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Ruby's Inn RV Park & Campground Lodging Rates Online Reservations Activities Camping Locator Map Shopping Conference Restaurants Best Western International Inc. Employment Ruby's Inn History Notify me of Upcoming Events Testimonials Homepage Ruby's Inn Store Ruby's Online Products Bryce Photo Shop Old Bryce Town Shops RV Park / Campground Lodging Ruby's Inn Store Bryce Canyon Info Red Canyon Info Testimonials Itineraries Map/Location Bryce Canyon Info Red Canyon Info Grand Staircase Info Kodachrome Basin Info Hiking Video Guide Homepage Activities & Events County Calendar Shopping Horseback Riding Rodeo Scenic Flights Guided ATV Tours Mountain Biking Family Reunions Winter Activities Rim Run Bryce Canyon Info Testimonials Homepage Car Care Center Transportation Airport Rent a Car Shuttle Bryce Canyon Info Red Canyon Info State Parks Horseback Rides Weather Information Hiking Video Guide Homepage Ruby's Inn Photos Bryce Canyon Photos Horserides Photos Homepage Alternate Bryce Lodging -Bryce View Lodge Big Horn Lodge / Moab Ramada Inn / St. George Red Cliffs Lodge Red Stone Inn National Park Service Utah State Parks Best Western Moab Ramada Inn Moab River Canyon Lodge Best Western Lake Powell -- Bryce Canyon National Park - Ruby's Inn -- Closest Accommodations To Bryce Canyon National Park Ruby's Inn Campground and RV Park offers an excellent way for travelers to enjoy Bryce Canyon . Our AAA-approved campground features over 200 shaded campsites including full hookups with electricity and water, large pull-thrus to accommodate modern RV's, shaded tent sites, and large group sites nestled beneath the pines. Visit Ruby's Inn Campground & RV Park Website! Bryce Canyon • Bryce Canyon Lodging • Shopping • Bryce Canyon RV Park/Campground • Bryce Canyon Maps/Itineraries • Activities/Events Trip Planner • Bryce Canyon Photo Gallery Bryce Canyon National Park - Ruby's Inn



Luxury Motor Home

Buy Burstner camping, diesel, leisure travel, luxury motorhome/ motorhomes online: UK Berth Any 2 3 4 over 4 Price Any Below 5k 5k-9,999k 10k-14,999k 15k-19,999 20k-29,999k 30k and over Type New Used Any Manufacturer Any ACE Autocriuse Autocruise AUTOHOMES Autosleeper Auto-Sleeper AUTOTRAIL Auto-Trail Avondale Benimar Bessacarr Bilbo Burstner Butstner CHAUSSON CI COMPASS Dethleffs DEVON Duetto Elddis Elnagh Herald Hobby HOLDSWORTH HYMER LAIKA Lunar MACHZONE MCLOUIS MILLER Moncayo NIESMAN BISHOFF PILOTE RAPIDO ROLLERTEAM Romahome SEA Sea Dingy Swift TIMBERLAND Trigano VW Westfalia Place Any Cheshire Coppull Cumbria Darlington Kent Wrexham Yorkshire Today's Date: 25/01/2006 Home Main Menu Home About Us Finance Used Motorhomes New Motorhomes NZ Adventure Bessacarr E710 * Ace Auto-Sleepers Auto-Trail Avondale Bessacarr Bürstner Chausson CI Motorhomes Elddis Products We Sell Contact Us Maps Jobs Sitemap Barrons Web Sites Awningdeals Holiday Homes Caravandeals Camperdeals Shopping Barrons NZ News Board Barrons Links Home Page Join our Newsletters Join one of our newsletters and we will send you automatically details of our very latest offers.. Open Window -- Special features Home Service Customer Feedback Shopping Online Inaca Awnings Barrons Links Weather Forecast Our Counter Barrons Freephone Coppull : 0800 393034 Burtree : 0808 100 8800 Cheshire : 0800 214 574 Cumbria : 000 085 3775 Kent : 0800 028 6036 Wrexham : 01978 664 300 Yorkshire : 0800 389 3692 In an integrated motorhome, cockpit and living space meld to form a whole.The I-Elegance series represents the House of Brstner's luxury class. Its elegant design speaks an automotive language of shapes characterised by flowing lines and balanced proportions. You will appreciate the landscapes passing by from the comfortable pilot seats. The vista through the giant windscreens conveys a very special impression. The interior is characterised by friendly colours and softly rounded furnishings of quality finish. Click on the images below for a larger image. -Elegance is a motorhome that will appeal above all to people with a well-developed sense of aesthetics and provides all the luxury you need to feel at home anywhere in Europe. Vechicle Specification 590 | 640 | 660 | 660 Maxi | 680 | 681 | 685 | 690 | 820 | 821 Click on the images below to view more details about that range. Please use the form below if you are intrested in this motorhome or If you wish you can contact us by phone on : Coppull 01257 793377 , Burtree 01325 383333, Yorkshire 01904 468334 orKent 01227 373848. Pleasefill in all fields marked with " * " E-mail: * Subject: * Name * Tel * Dealership Any Burtree Coppull Culcheth Cumbria Kent Wrexham York * Address * Town/City * County * Dear Barrons... Please enter the letters and numbers shown in the box below * (Letters Are Uppercase!) Would you like to receive Barrons Special Offers via Email? Yes No © 2002-2005 Barron Group Ltd. All Rights Reserved. Recommended : Microsoft IE 5.5



Recreation Vehicle

Shopping Recreational Vehicles Parts in the Yahoo! Directory Search: the Web | the Directory | this category Shopping> Recreational Vehicles > Parts Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Automotive > Recreational Vehicles > Parts CATEGORIES Makers (6) SPONSOR LISTINGS ( What's this? ) Dyer's Online - offers secure online ordering for parts and accessories for all types of RVs and trailers. SITE LISTINGS By Popularity | Alphabetical ( What's This? ) Sites 1 - 23 of 23 J.C. Whitney - Offers brand name parts and accessories for cars, trucks, motorcycles, and SUVs. Dyer's Online [SPONSOR] - offers secure online ordering for parts and accessories for all types of RVs and trailers. RV Parts Outlet Inc. - Offers parts, equipment, and accessories online. Expert Auto Electric - Specializing in inverters, batteries and chargers especially for recreation and emergency vehicles. Carl's R.V. - offers parts, accessories, and service for motorhomes and trailers. Includes online catalog of parts. Duncan Systems - sells RV and motorhome windshields and windows. Also offers replacement glass for trucks and classic cars. J & L Sales - specializes in go-cart, mini-bike, and snowmobile parts. Metro RV Motorhome Rentals - Altmans, Winnebagos. Martinsburg RV - offers new and used recreational vehicles and travel trailers for sale with parts, accessories, and service available. Avalon RV/Marine Inc. - Sales and service for motorhomes and boats. Online ordering of parts and accessories available. Discount Motorcycle Batteries - offers batteries for motorcycles, ATV's, scooters, snowmobiles, and more. Dixie RV Superstore - Featuring class A, B, and C motorhomes, travel trailers and fifth wheels, and fold-down campers as well as local rentals. Online ordering of accessories and parts. Arizona R.V. Salvage Inc. - Recreational vehicle salvage yard. Sirum, Alex - GMC motorhome repair, parts and accessories. Specializing in classic RV's. Custom Instrument Panels - Custom-built instrument panels. Manufacturing, sales, and installation. Timbucktu - Sells RV parts and accessories. Snells RV Repair, Inc. - offers parts and accessories as well as service. Also provides insurance repairs. Pelland Enterprises - providers of aftermarket RV replacement parts including windows, holding and water tanks, fender skirts, tubs and surrounds, and skylights. Channelview Supply Company - RV parts, accessories, service. Includes an online catalog. International Plastic Components, Inc. - manufacturer of custom profile PVC extrusions servicing the RV, window, and boating markets. Wine Country RV Superstore - Offering RV supplies, parts, service. RV Parts-RV Parts.com - RV parts supplier for all major appliances and accessories. GMC Motorhome Parts - committed only to the GMC motorhome. Offering parts for you classic palace on wheels. Shopping> Recreational Vehicles > Parts Email this page Suggest a Site Advanced Search Directory > Business and Economy > Shopping and Services > Automotive > Recreational Vehicles > Parts Search: the Web | the Directory | this category



Rent Motor Home

Alaska RV Rentals ~ Alaska Motorhome Rentals Alaska RV Rentals Alaska Tour and Travel does not offer Alaska RV or Motorhome rentals, but we are happy to pass along a few tips for those looking to do so. In addition, you can use our Alaska RV Rental Quote Request form to receive a no obligation quote directly from one of Alaska's top motorhome rental agencies. Renting an rv to travel Alaska is often a great choice for those looking for added flexibility in their Alaska vacation, and those who want to "rough it" in style with most of the comforts of home. Whatever the case, more and more people are turning to Alaska rv rental companies to plan their perfect Alaska vacation. While many people drive their own rv to Alaska, a substantial number choose to rent their rv in Anchorage. There are over a dozen firms offering Alaska rv rentals in Anchorage, from 22 foot class C motorhomes to 30 foot class A motorhomes. The most popular rental model is the class C motorhome which are generally available in 22 foot to 31 foot lengths. Most rental rvs are fully self contained, meaning that in addition to beds and seating, expect a bathroom with toilet and shower, stove, refrigerator, kitchen sink, hot water heater and furnace. If you are renting from a top firm, expect your motorhome to be less than 3 years old. A 22-24 foot rv will work well for a couple, although the 25-27 foot models usually offer a full bed in the back. A 25-27 foot rv will also work well for a family with 1 or 2 children, but look towards a larger 28-31 foot motorhome for parties with 4 to 6 adults or larger families. Follow this link to see some typical class C motorhome floor plans . Start early if you plan to rent an rv in Alaska. Advance reservations are required and many companies are sold out by spring time. A deposit is generally required to rent an rv, and strict cancellation penalties are common. Some firms charge extra for mileage, kitchen set ups, bedding, insurance, dumping or cleaning, so make sure you ask about extra fees so you know the total cost of your rental. Expect to pay $165 to $225 per day for a nice, well equipped rv, depending on the rental company and motorhome size. Discounts are often available for May or September rentals. No special license is required to operate an rv in Alaska, and most rental companies give an orientation prior to your departure. There are a number of RV rental firms in Anchorage, and as with any major purchase it is important to pick a reputable one. Click here to receive a no obligation quote directly from one of Alaska's top motorhome rental agencies. If you choose to rent an rv in Alaska you will likely be visiting a number of Alaska cities. Our suggestion is to save two or three days for Denali National Park as well as Kenai Fjords National Park and Seward. Be sure to check out our Denali Park tours , Seward tours or Alaska Tours pages. The Alaska Milepost guidebook will also be an invaluable resource for both planning your Alaska vacation and to take with you as you travel Alaska and the Yukon. [printer version Alaska RV Rentals ~ Alaska Motorhome Rentals ] ALASKA TRAVEL TIPS Alaska Anchorage Denali Park Fairbanks Seward Talkeetna Area more cities ... ALASKA VACATIONS Alaska Trip Finder Land Only Packages Pre Cruise Packages Post Cruise Packages ALASKA CRUISES Alaska Cruise Finder Princess Cruises Holland America Line ALASKA HOTELS Anchorage Hotels Denali Park Hotels Fairbanks Hotels Seward Hotels Talkeetna Area Hotels ALASKA TRANSPORT Alaska Train Finder Bus Lines Alaska Railroad Alaska Car Rentals Alaska RV Rentals ALASKA TOURS Anchorage Tours Denali Park Tours Fairbanks Tours Seward Tours Talkeetna Area Tours ALASKA AIRLINES ALASKA PARKS Denali National Park Kenai Fjords Glacier Bay Wrangell St Elias ALASKA TOURISM INFO Alaska Map Travel Guides Alaska Weather Travel Insurance Web Specials Travel Links Alaska Photos Link To Us FAQS ALASKA ADVENTURE Alaska Fishing Alaska Kayaking Alaska Rafting Alaska Bear Viewing Alaska Helicopter Tours Alaska Hiking Alaska Wildlife 10 Questions to ask before you book your Alaska Vacation. Home Packages Hotels Transport Day Tours Cruises Reservations Specials Trip Finder Alaska Brochures Payments Contact Us Site Search Site Map Tell a Friend Link To Us



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



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