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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

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 22 Foot Motorhome License Required - Ordinary Comfortable for 5 persons Automatic Transmission, 4 Speed Overdrive Ford or Chevy Chassis V10 or V8 Gas 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 Roof Air Conditioning Rear Bed 1.20 x 1.85 Overcab Bed 1.35 x 2.10 Dinette Bed 1.00 x 1.75 Overall Length 7.10 Overall Width 2.45 Overall Height 3.30 Interior Height 2.07 Fresh water 110 L Black water 60 L Grey water 65 L Gas Capacity 140 L Propane Capacity 87 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

RV dealers in the

Gulf Stream RV Dealers New and Used Motor Homes Gulfstream RVs Gulfstream Motorhomes Gulfstream 5th wheel trailers Gulfstream Travel Trailers Gulfstream Track and Trail Fleetwood Toy Haulers Forest River Toy Haulers Park Model Trailers -- Hours: Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm Saturday 9am - 2pm Toll Free: 866-485-3782 Phone: 814-793-3444 Fax: 814-793-7971 info@martinsburgrv.com -- -- Martinsburg RV in central Pennsylvania thanks you for shopping our site for your next RV. Our non-commissioned sales consultants are available to answer questions or show you our Gulfstream RVs including the Sun Voyager , Crescendo , BT Cruiser , Yellowstone , Independence , and Endura motor homes plus other models. Then when you have selected the RV or travel trailer of your choice, we will provide you with a no-hassle price that is well below M.S.R.P. Check our motorhome specials below and click the coach of your choice. Call it a RV or motor home, but Here at Martinsburg RV we provide a high level of service on all RVs new and used, Whether you purchased from Martinsburg RV or another Dealer we are here to service you, We are located in Pennsylvania, but can sell RVs anywhere in the US. Both new and used RVs are in stock. There are many RV dealers in the US, but only one Martinsburg RV! 2005 CRESCENDO SPECIAL MODEL 8356 MOTORHOMES 2005 SUNVOYAGER LTD MODEL 8361 MOTORHOMES 2005 CONQUEST MODEL265 BHS TRAVEL TRAILERS 2005 INDEPENDENCE MODEL 8330 MOTORHOMES 2005 SUNVOYAGER MODEL 8377 MOTORHOMES 2005 SUN VOYAGER MODEL 8361 MOTORHOMES 2004 SUNSEEKER 2890DS 2000 MOUNTAIN AIRE 1995 PACE ARROW MODEL 37J 2005 YELLOWSTONE MODEL 27FRBW CANYON TRAIL 5TH WHEEL About Us | New RVs & Travel Trailers | Used RVs & Travel Trailers | Gulfstream RVs Parts & Accessories | Service Center | Specials | Credit Application Contact Us | Home Page SiteDesigned and Maintained by LazerproDigital Media Group , © Website Design,Website Programming & Ecommerce Solutions . Martinsburg RV Expo is a motor home dealer located in Martinsburg Pennsylvania. We offer both newand used recreational vehicles for sale. Our focus is on Gulfstream RVs and travel trailers,but we also offer other brands in our preowned RV department. Contact us and we will help you to buy theright RV for you.

RV vacation is more

Go RVing - RVs, RV Rental, RVing and RV Resources RV travel park, dealer, rental, camping, campground and show information. An RV vacation is more than getting away; it's getting together. RVs give you more control, convenience, and comfort than other forms of travel.You go RVing for the same reasons you take any vacation. To get a break from the daily routine. To be with family and friends. To rest and relax. To see new places.GoRving.com provides an authoritative education. Learn the Two Types of RVs: Towable: Folding Camping Trailer, Truck Camper, Conventional Travel Trailer and Fifth-Wheel Travel Trailer. Motorized: Class A motorhome, Class B motor home (referred as the van camper) and Class C motor home (also called the mini-motorhome) Buying an RV Whether you are buying a new or used motor home, financing the purchase through a dealership with terms that fit your budget makes good financial sense. Once you finance your RV, learn about insurance. RV Rental There are approximately 3,000 dealers who offer pre-owned or used RVs. A dealer is the preferred source when purchasing your recreational vehicle ConvenienceFind the modern conveniences and creature comforts in many of today's motorhomes: Full bath with shower, refrigerator, and freezer w/ice maker. Microwave, dishwasher, full range with oven, satellite dish, Internet-ready computer station, Closed circuit rear-view camera, Washer and dryer, Whirlpool bath, Outdoor entertainment center, Patio awning Click the following links to explore our site: Site Map RV Travel Family Travel RV Vacation RV Camping and National Parks RV Buying and Renting Camping Trailer, Truck Camper, Fifth-Wheel Travel Trailer Towing Buying and Renting Guide Motorhome Buying and Renting Guide RV Show Calendar RV Insurance RV Rental Manufacturer Dealer Supplier Classes, Workshops, and Seminars Campgrounds