Recreation Vehicle Insurance

Aon Recreation Insurance -- Home | Contact Us | Privacy Policy | Site Map   About Us Request a Quote Insurance Coverage RV Seminars & Rallies Newsletters & Articles Customer Service Proper RV Load Distribution and Weight Safety View all RV Driving Safety Articles Loading the RV Improper weight distribution and heavy items shifting during travel can have an unfavorable effect on the handling, ride quality, and braking of your motorhome. Proper weight distribution is critical when loading the motorhome. Each manufacturer has taken into consideration the location of appliances, cabinets and additional components for proper weight distribution side to side, as well as front to back. When loading food, clothing, cooking utensils, tools and other items, be sure to distribute heavy items evenly throughout the RV. They should also be placed in such a way that they do not shift during travel. Understanding Weight Ratings Many motorhome manufacturers have joined the Recreational Vehicle Industry Association. RVIA has developed a set of standards used on a data plate included on each RV produced by participating manufacturers. In motorhomes, the RVIA data plate is located inside one of the cabinets in the kitchen, bath, or bedroom. On travel trailers and fifth wheels, the data plate is located outside near the front of the unit or, in some cases, in a cabinet door inside the RV. On pickups it is located on the doorpost. Following are weight terms and their definitions adopted by RVIA, including the terms and updates added in September 2000. Gross Axle Weight Rating (GAWR) is the maximum weight an axle can carry. It is determined by taking the lowest combined value of the axle rating, spring, airbag, suspension and tire rating. Gross Vehicle Weight Rating (GVWR) is the total weight the vehicle has been designed to carry. Unloaded Vehicle Weight (UVW) is the weight of the motorhome as built at the factory. For motorhomes, that includes full fuel, engine oil and coolants. The UVW does not include cargo, fresh water, LP gas, occupants or dealer-installed accessories. Net Carrying Capacity (NCC) is the maximum weight of all occupants, personal belongings, food, fresh water, LP gas, tools, dealer-installed accessories, and tongue weight of the towed vehicle that can be carried by the motorhome. (NCC is equal to or less than GVWR minus UVW.) It is beneficial to know the NCC when purchasing a new coach. It tells you how much weight can be added to the coach and still remain within the GVWR on the coach. The term Cargo Carrying Capacity is replacing NCC in new RVs. Cargo Carrying Capacity (CCC) is a newly adopted term that is comparable to the previously used NCC. CCC is equal to the GVWR minus UVW, the weight of fresh water in the tank and hot water heater, the weight of propane in the tank, and the SCWR. Following is an example of the CCC calculation. GVWR 22,000 lbs. Less UVW - 16,000 lbs. Less 20 Gallons Fresh Water x 8.3 lbs. Each - 166 lbs. Less 16 Gallons Propane x 4.5 lbs. Each - 72 lbs. Less SCWR (4 x 154 lbs.) - 616 lbs. Cargo Carrying Capacity (CCC) 5,146 lbs. Sleeping Capacity Weight Rating (SCWR )-is another term recently adopted by RVIA. It's calculated by multiplying 154 pounds times the number of sleeping positions as defined by the RV manufacturer. Gross Combined Weight Rating (GCWR) -a term that was developed for the trucking industry-is the combined weight of the truck and a trailer with brakes. It means that the engine horsepower, the cooling system capability and the transmission and differential have been designed into the vehicle to handle this much weight. It assumes the trailer or thing being towed would have its own braking system. The recreational vehicle industry adapted this term to mean the total weight the vehicle has been designed to handle, including the weight of a tow vehicle or trailer. It does not mean that the braking system has been designed to accommodate that much weight. Each RV owner is responsible for knowing the loaded weight of his or her vehicle. Use the worksheet below to help you find out if your vehicle weighs what it should according to the data plate found on the wall in the driver's compartment. Take your RV to a truck stop, where they will weigh it for a nominal fee and provide you with a weight receipt that shows front axle and total vehicle weight. RVers with travel trailers and fifth wheels will receive a weight slip that shows pickup weight and unit weight separately. Weighing your RV at a truck stop is only the first step, however. When the opportunity arises, you should take it to a professional weighing agency such as A'Weigh We Go-perhaps at an FMCA rally-to determine what your vehicle weighs at each of the corners. You need to determine if your vehicle is overweight on the corners as well as on the axles. Remember that the generator or other heavy items may have an effect on a particular axle. The actual Gross Vehicle Weight (GVW) should be determined with the RV fully loaded, including fuel, propane, water (if you normally carry water when traveling), personal items, and the normal number of people usually carried. The gross weight shouldn't exceed the GVWR placed on the vehicle by the manufacturer. RV Weight Information Worksheet Copy the figures from the data plate in your RV in the first column. Then enter the actual weight figures in the second column and compare the two. If the actual GVWR is higher than the label figure, your vehicle is overloaded. If the GCVR is higher than the label figure, the motorhome and car or truck and trailer together weigh more than the vehicle was designed to pull. Model Date Date Weight on Data Plate Actual Weight GVWR GVWR UVW UVW NCC/CCC NCC/CCC SCWR SCWR GCWR GCWR Gross Vehicle Weight Rating (GVWR): The maximum permissible weight of the RV. GVWR is equal to or greater than the sum of the UVW plus the NCC. Unloaded Vehicle Weight (UVW): The weight of this RV as built at the factory. For motorhomes, this includes a full load of fuel, engine oil and coolants. The UVW does not include cargo, fresh water, LP gas, occupants, or dealer-installed accessories. Net Carrying Capacity (NCC): The maximum weight of all occupants, personal belongings, food, fresh water, LP gas, tools, dealer-installed accessories and, for motorhomes, the tongue weight of the towed vehicle that can be carried by this RV. (To calculate the weight of water, multiply number of gallons times 8.33 pounds per gallon.) NCC is equal to or less than GVWR minus UVW. Cargo Carrying Capacity (CCC): Comparable to the previously used NCC, CCC is equal to the GVWR less UVW, the weight of fresh water in the tank and hot water heater, the weight of propane in the tank, and the SCWR. Sleeping Capacity Weight Rating (SCWR): Calculated by multiplying the number of sleeping positions as defined by the RV manufacturer by 154 pounds per position. Gross Combination Weight Rating (GCWR): The value specified by the manufacturer as the maximum allowable loaded weight of the motorhome or truck with its towed trailer or towed vehicle. Consult your owner's manual for specific weighing instructions and towing guidelines. Footer | Footer | Footer -- Insurance License Information © 2005 Aon Recreation Insurance

Mobile Home Insurance

Manufactured Home Loan Insurance (Title I) - HUD Housing About Housing Contact us Keywords Single Family Hospitals Multifamily OAHP Reading room Online forums Work online HUD news Homes Communities Working with HUD Resources Tools Webcasts Mailing lists Contact us Help Manufactured Home Loan Insurance (Title I) Information by State Print version Email this to a friend Summary: This program insures mortgage loans made by private lending institutions to finance the purchase of a new or used manufactured home. Purpose: HUD has been providing loan insurance on manufactured homes under Title I since 1969. By protecting mortgage lenders against the risk of default, HUD's participation has encouraged them to finance manufactured homes, which had traditionally been financed as personal property through comparatively high-interest, short-term consumer installment loans. The program thereby increases the availability of affordable financing and mortgages for buyers of manufactured homes and allows buyers to finance their home purchase at a longer term and lower interest rate than with conventional loans. Type of Assistance: The program insures lenders against loss from default on loans of up to $48,600. The program insures private lenders against losses of up to 90 percent of the value of a single loan. Total insurance coverage is limited to 10 percent of the lender's Title I portfolio. The buyer must agree to make a 5 percent downpayment and interest rate payments determined by the lender. Annual insurance charges start at $1 per $100 of the loan amount, but are reduced in the later years of the loan. The maximum loan term varies from 20 to 25 years. Eligible Grantees: Private lending institutions are eligible for insurance on loans made under the program. Eligible Customers: All buyers who plan to use the manufactured home as their principal place of residence are eligible for the program. Application: Buyers of manufactured homes may apply for a loan through a HUD-approved lender or through a lender's approved Retailer. Technical Guidance: The program is authorized under Title I, Section 2 of the National Housing Act (12 U.S.C. 1703). Program regulations are in 24 CFR Part 201. Administered by the Office of Housing-Federal Housing Administration. Debt collection activities have been consolidated at the Albany Financial Operations Center, 800-669-5152. For More Information: For more information, refer to "Financing Manufactured Homes, HUD-265-H(10), available from the HUD Customer Service Center, 1-800-767-7468. Information can also be found at the HUD-approved Title I lender page or you can contact a HUD-approved housing counseling agency . To learn more about manufactured housing options and opportunities, try HUD's Manufactured Housing web page or the Manufactured Housing Institute website. Content updated May 20, 2002 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

Diesel Motor Home

Power Systems | Banks Power: Diesel motorhome performance and gas motorhome power systems, engine exhaust brakes, pickup truck performance, gas and diesel engine power systems. Warranties | How to Order | Power Wear | Banks Bucks Banks PowerPDA Touch-screen interface to Six-Gun® Diesel Tuners • '03-05 Cummins 5.9L • '01-05 Duramax 6.6L • '03-05 Power Stroke 6.0L <more> Monster® Diesel Duals Exhaust • '03-05 Cummins • '04-05 Duramax LLY • '01-04 Duramax LB7 • '03-06 Ford 6.0L Power Stroke Big Hoss® Bundles Up to 155 hp/385 lb-ft • '04-05 Duramax LLY • '01-04 Duramax LB7 • '03-05 Cummins 5.9L • '03-06 Ford 6.0L • '99-03 Ford 7.3L Banks Techni-Cooler™ charge-air cooler systems • '01-05 Duramax • '03-05 Cummins • '03-05 Power Stroke <more> Monster Exhaust cat-back systems • ’03-05 Dodge HEMI • ’00-05 Toyota Tundra • ’04-05 Ford F-150 • ’04-05 Nissan Titan & '05 Frontier • ’91-05 Jeep 4.0L Wrangler • ’00-02 Jeep 2.5L Wrangler Power Wear Sport the Banks Power look with a hat, shirt or handsome decal for your vehicle. Banks Bucks, too. Banks Bucks Gift Certificates—It's the perfect gift....available in $20, $50, $100,$250 and $500. Free Test Report Features color photos, with descriptions, of Banks products specific to your vehicle • Comprehensive road and dyno-test results. Factory-direct Ordering How to purchase Banks Power products directly from Banks. Dealers Locate a regional Banks Installing Dealer. Warranties All Banks' products are backed with an iron-clad warranty. FAQs Wondering about something? Your answer may already be right here. news | company | products | knowledge | feedback | Banks racing | site map | contact | gas & diesel performance & power Gale Banks Engineering | Direct Orders & Free Test Reports: 1-800-601-8072 | Mon-Fri 6-6 (PST) | sales@bankspower.com

Mobile Home

HUD Financing Manufactured (Mobile) Homes Housing About Housing Contact us Keywords Single Family Audience groups Buying a home Events & training FHA insured loans Common questions Housing counseling HUD homes/ REO Owning a home Reference guide Regulatory programs Hospitals Multifamily OAHP Reading room Online forums Work online HUD news Homes Communities Working with HUD Resources Tools Webcasts Mailing lists Contact us Help Financing Manufactured (Mobile) Homes Information by State Esta página en español Print version Email this to a friend Under the Title I program, approved lenders make loans from their own funds to eligible borrowers to finance the purchase of a manufactured home and/or lot, and FHA insures the lender against loss if the borrower defaults. Credit is granted based upon the applicant's credit history and ability to repay the loan in regular monthly installments. Title I manufactured home loans are not Government loans or grants, and are not low interest rate loans. The interest rate is fixed and is generally based upon the prevailing market rate in the area at the time the loan is made. FHA does not lend money. Purpose of the Loan A Title I loan may be used for the purchase or refinancing of a manufactured home, a developed lot on which to place a manufactured home, or a manufactured home and lot in combination. The home must be used as the principal residence of the borrowers. Maximum Loan Amount manufactured home only - $48,600 manufactured home lot - $16,200 manufactured home & lot - $64,800 The dollar limits for lot loans and combination loans may be increased up to 85 percent in designated high-cost areas. For further information on high-cost area limits, contact the local HUD field office. Maximum Loan Term 20 years for a loan on a manufactured home or on a single-section manufactured home and lot. 15 years for a manufactured home lot loan. 25 years for a loan on a multi-section manufactured home and lot. Manufactured homes are usually purchased through dealers or retailers that sell the homes. The names of lenders in your area which specialize in financing manufactured homes can be obtained from local retailers. These retailers are listed in the yellow pages of your telephone directory. They have the required application forms. FHA neither loans money nor gives grants to purchase homes. Also, manufactured homes must comply with the National Manufactured Home Construction and Safety Standards. The approved FHA lender can explain the mortgage credit and income eligibility requirements to qualify for a loan. Consumer Protection HUD provides two types of consumer protection. The borrower must sign a HUD Placement Certificate agreeing that the home has been installed and set-up to their satisfaction by the retailer before the lender can give the loan proceeds to the retailer. After moving in, the borrower can call HUD at (800) 927-2891 to get assistance about the problems with construction of the home. Eligible Borrowers Must: Have sufficient funds on hand to make the minimum required downpayment of 5 percent. Be able to demonstrate that they have adequate income to make the payments on the loan and meet their other expenses. Intend to use the manufactured home as their principal residence. Have a suitable site on which to place the manufactured home. The home may be placed on a rental site in manufactured home park, or on an individual homesite owned or leased by the borrowers. An Eligible Manufactured Home Must: Meet the National Manufactured Home Construction and Safety Standards. Carry a one-year manufacturer's warranty if it is a new manufactured home. Be installed on a homesite that meets established local standards for site suitability and has adequate water supply and sewage disposal facilities available. The proceeds of a Title I manufactured home loan may not be used to finance furniture (for example, beds, chairs, sofas, lamps, rugs, etc.). However, built-in appliances and equipment and wall-to-wall carpeting are eligible for financing. Equal Opportunity in Housing The Fair Housing Act prohibits discrimination in housing and related transactions--including mortgages and home improvement loans. Lenders may not deny funds or offer less favorable terms and conditions in lending on the basis of the borrower's race, color, religion, sex, national origin, familial status (i.e., the presence or number of children in a household) or disability. In addition, lending decisions may not be based on the race, color, sex, religion, national origin, familial status or disabilities of persons associated with the borrower or with the area surrounding the property. If you believe you have been the victim of discrimination in mortgage lending on one of the prohibited bases, you may file a fair housing complaint by contacting a local fair housing advocacy group, the Office of Human Rights for your state or local government, or by calling the national Fair Housing Hotline at (800) 669-9777 or TTY: (800) 927-9275. Content updated November 27, 2001 Back to top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you

RV Parts Superstore. Visit

Kwikee Parts for RV Electric Steps Kwikee Step Parts for Single, Double and Triple Steps. Replacment parts such such as: control units (brains) motors frames electric steps gears linkage assemblies door switch kits,etc can be obtained from PPL's RV Parts Superstore. Visit this online RV Step Parts catalog to search for and order items for your specific step or RV accessory. You are able to search and view many components with their descriptions. Exploded views are available for most models. To actually place an order, find your desired area of equipment. Click on the corresponding number to the desired part in the exploded view. This will bring up a selection window where you can add the part to your shopping cart (note: If the price is displayed as $0.00, the part is not available). You can then follow the buttons to check out (order) or continue shopping. Click on the banner at the top of the screen to return to the PPL Parts Superstore main page. If you would prefer to order over the telephone, please have the specific item numbers or the model and control unitinformation about your step in hand when you call.In many cases, the series and serial number can be found ona product sticker located on the underside of the steps. Youwill need to look up at the underside of the treads while layingon your back. Generally, the control unit will be underneaththe step in a plastic box of various colors. Please record thecolor and the number on the control box. Type of step : Single, Double orTriple (we deliver to you, replacement parts and units for almost all of theirproducts) Series or Model Number :For example Series 28, Series 32,Model 8278. Color and Model Number of Control Unit :Orange No 9515,Brown Box No 8009, Green Plastic Box No. 8311-1, etc. Have old Part : If possible you should also have the old item in handwhen calling. This may be of help in verifying that we are correctlymatching what you need. Please visit the manufactures web site to be able to download detailedinformation sheets that include Kwikeestep parts . Popular models are listed as samples below but we can providequick delivery on almost any of the models and parts from the warehouse. Kwikee Parts - How to Order Call PPL's RV Superstore at 1-800-755-4775 to order. We stock the most commonitems for immediate shipping. PPL is an authorized dealer and we will work hard to get youthe motor home or trailer items you need. SAVE! No Sales Tax ifShipped outside of Texas. The Sales Tax Savings willhelp pay for the small shipping charge! Click here to return to our main Kwikee Step Parts and Steps page. Sale prices are available on "telephone" and "in-store" purchases only. Telephone Order Lines are open until 5:30pm Mon-Fri Central See Below for Hours of All other Services PPL's RV Parts Superstore 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 | RV Parts Superstore Home | About PPL | Parts Return Policy Request Parts Catalog | Photo Tour | RVs for Sale | Sell Your RV | Contact PPL PPL Motor Homes Houston, Texas All Rights Reserved, 1997-2006