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Florida,New Orleans, Louisiana, Mississippi, rv rental motorhome rentals, central caravans for hire California HOME RENTAL RATES REFERENCES CONTACT US LEASEBACK PROGRAM rv Rental Rates Rental Rates Spring 2005 Summer 2005 Fall 2005 Winter 2006 Breakdown of Fees Make Money Leaseback Program Tax Benefits FAQ Reservations Reservations/Inquiry Form References References Happy Campers Articles About Us Web Compliments Corporate Clients: 1 2 3 4 5 6 Insurance USA Insurance Mexican Insurance Specials Las Vegas Raceway Deal Corporate Special Gasoline Insurance Charges Additional Charges Optional/Equipment One Way Trips Tow-Behind-Vehicles Housekeeping Kits Airport Shuttle Pets Customer Desk RV Manual Dump Sites Campgrounds RV Classes RV Terms Glossary Traveling to Mexico Corporate Clients Traveler Help RV Desk Your RV RV History One of a Kind RV Contact Us Inquiry Form Where are we? FAQ Email Us RV motorhome rentals in Florida,New Orleans, Louisiana, Mississippi, RV motor home rental serving New Orleans, Louisiana, Mississippi and a motorhome RV serving New Orleans, Louisiana, Mississippi, Orange County, Riverside and San Bernardino areas, also Los Angeles International Airport (LAX), Orange County's John Wayne Airport and Ontario Airport. (San Diego, Las Vegas and San Francisco deliveries). LEASEBACK PROGRAM If you own an RV or would like to buy a motorhome and want to make money, ask us about our Leaseback Program . You can own your own RV for almost nothing! WHERE ARE WE 4238 East Mission Blvd., Montclair, California 91763 (909) 613-0562 Fax (909) 613-056 info@americanrvrentals.com Need directions and a map? 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.

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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 . Trader Publishing Company Electronic Advertising Terms and Conditions 1. Copy and Material: The Publisher reserves the right to revise or reject for any reason at its sole discretion any advertising copy submitted. All Advertising materials, including photos, submitted by Advertiser or created by Publisher are the property of Publisher and may not be reproduced by a third party in other publications, electronic media or any other materials without Publisher's or Advertiser's written consent. 2. Errors: Publisher's liability for damages resulting from errors in any advertising that it publishes or from its failure to publish any advertisement that it has agreed to publish shall be limited to the amount it actually received in consideration for its agreement to publish the advertisement in question. Publisher shall not be responsible for any special, incidental or consequential damages suffered by any party resulting from its errors or omissions. The Advertiser must report such errors or omissions within seven days of the publication dates. 3. Hold Harmless: Advertiser accepts all liability for the content of all advertising supplied by it. Advertiser warrants to Publisher that its copy is true, that it is not libelous or defamatory, that it violates no rights of privacy, that it infringes no trademark, and that it complies with all applicable federal, state, and local laws and regulations. The fact that copy shall have been previously submitted to Publisher for approval and shall have been approved by it either in whole or in part, shall not relieve Advertiser of the warranty. Advertiser agrees to defend, indemnify and hold harmless Publisher from any and all claims, demands, liabilities, suits, costs, or expenses, arising by reason of the publication of Advertiser's advertisement or breach of the foregoing warranty, whether such claims are well-grounded or not. 4. Inability to Perform: Neither party shall be required to perform any term or condition so long as such performance is delayed or prevented by force majeure, including acts of God, strikes, lockouts, material, or labor restrictions by any government authority, civil riot, floods, and any other cause not reasonably within the control of the performing party and which, by due diligence, such party is unable, wholly or in part, to prevent or overcome. 5. Review: To protect our customers and our website visitors, we reserve the right to review and, upon review, delete all electronic transmissions related to the advertising services for potential fraud or other irregular activity. 6. Refund Policy: All RV Ads placed through RVtraderonline.com are published in good faith to be advertised as an Online Ad. If you are not completely satisfied with the appearance of your ad please Contact Us within 24 hours of placing your ad online with the details of your complaint and we will issue a complete refund. This advertising is not intended for any print publications. Return to Previous Page 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

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Southwest RV Travel, Resorts, Camping and Camp Grounds  You are here: About > Travel > Southwestern United States for Visitors > RV and Camping Travel Go Southwestern Essentials Best Southwest Places for January Top Southwest Travel Bargains Grand Canyon Travel Guide Southwest Photos Sundance Film Festival Topics Arizona Travel Guide Colorado Travel Guide Nevada Travel Guide New Mexico Travel Guide Texas Travel Guide Utah Travel Guide Places to Stay Southwest Food and Drink Resorts, Tours, Photos RV and Camping National and State Parks Arts, Crafts and Shopping Native American Culture Golf, Spas, Sports and Rec. Southwest History Forums Help FREE Newsletter Sign Up Now for the Southwestern United States for Visitors newsletter! See Online Courses   Search Southwestern United States for Visitors > RV and Camping Southwest RV Travel, Resorts, Camping and Camp Grounds Whether you camp with a two bedroom luxury RV or car camp with a tent, we have some great information for you on RVing, camping and places to stay in the Southwestern United States Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Arizona Campgrounds A guide to locating places to camp in Arizona. Big Bend National Park, Texas Camping In southwest Texas, where the Rio Grande makes a large turn, lies Big Bend National Park. This park is rich with remote scenic splendors and diverse landscapes covering over 800,000 acres of desert, mountains, and canyons. Full service campgrounds and primitive sites. Colorado Campgrounds A guide to help you find places to camp in Colorado. Finding the Perfect Campground The purpose of this article is to guide you to these Web sites, explain what you can expect to find at each of them, and help you to use them to find campgrounds that meet your criteria. Nevada Campgrounds A guide leading you to public and private campgrounds in Nevada. New Mexico Campgrounds A Guide from About.com's Camping site leading you to campgrounds in New Mexico. RV Travel and Baby Boomers Apparently the first thing many of aging baby boomers do is to rush out and either rent or buy an RV, because the number of baby boomers loading up RVs and taking to the highway is on the rise. Find out about the popularity of RV Travel. Southwest Campgrounds and Southwest RV Parks This site is provided as a convenience for people who want a short-cut to find campgrounds and RV parks in Arizona, Utah and Colorado. Information on hundreds of camping areas in the Southwest is available, along with details on the services they provide. The WirelessTrips WiFi Finder Find WiFi hot spots in camp grounds and RV parks across the Southwest. Top Places to Camp in Texas Texas offers visitors a variety of ways to spend time outdoors. For those visitors who never want to be indoors, Texas has a number of excellent spot to pitch a tent and spend the night under the stars. Utah Campgrounds A guide leading you to public and private campgrounds in Utah.   Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2006 About, Inc., A part of The New York Times Company . All rights reserved. Around About Tips to Losing Weight Guide to Distance Learning How to Travel for Less PHOTOS: Italy PHOTOS: Hybrid Cars What's Hot Sundance Line-Up Quartzite, Arizona Sundance Festival News San Antonio, Texas Restaurants The Sundance Film Festival Headlines Sundance Film Festival Coverage As I flew to Salt Lake City one January... Arizona's White Tank Park - Rain Transforms the Desert Phoenix' West Valley residents all love the White Tank... USA Today Highlights Gay Destinations in the Southwest Thanks to Kathy Belge, our Lesbian Life Guide, I... Alice Cooper's - Where Rock Meets Jock in Phoenix Is it a sports bar or a rock museum?...

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