Mobile Home Insurance A

Liberty Mutual - Home Insurance Glossary Home > Home Insurance Glossary Printer Friendly Home Products Get a Home/Renters Quote Policyholder Benefits Understand Coverages Claims Saving Money Flood Insurance Home Safety Fire Safety Credit Information and Insurance Home Insurance Glossary The following are some general terms that may be helpful to you in reading and understanding your Homeowner, Condominium, or Renters insurance policy with Liberty Mutual. Because insurance laws vary throughout the United States and Canada or coverages may not be available in some jurisdictions, the information below may not apply in all situations. The terms and definitions in your actual policy will govern any claims or questions of interpretation.  Please take this opportunity to read these terms and if you have any questions, please  Contact Us  or call your nearest Liberty Mutual Sales Office. A-C | D-G | H-K | L-N | O-R | S-Z Act of God An unpreventable accident or event that is the result of natural causes; for example, floods, earthquakes, or lightning. Actual Cash Value An amount equal to the replacement cost of lost or damaged property at the time of loss, less depreciation. Additional Insurance Insurance that supplements an already existing policy. It is uncommon that the company or its duly authorized agent allows additional insurance. Additional Living Expense Any necessary increase in living expenses incurred by the insured, so the household can maintain its normal standard of living. Applicant A person who fills out and signs a written application for insurance. Application A written statement by a prospective policyholder that gives the information the company relies upon when evaluating the applicant and issuing the policy. Appraisal A survey by a Liberty Mutual Claims Representative or Claims Appraiser estimating the amount of damage to property and the cost to repair or the determination of a complete loss. Basic Limits The lowest coverage amount, as prescribed by law or the company, for which an insurance policy can be written. Basic Limits primarily prescribe limits of liability. Cancellation Termination of an insurance contract before its expiration date by either the insurance company or the policyholder. Catastrophe A sudden, severe disaster that causes a large loss. Claim A demand for payment under an insurance contract for the estimated or actual amount of loss. Conditions Provisions that set forth the rights, duties, and responsibilities of the parties to an insurance contract. Conditions may be found anywhere in the contract. Coinsurance Clause A clause requiring the insured maintains insurance on the property at least equal to a stipulated percentage of its value in order to collect partial losses in full. Return to beginning of Home Glossary . Damages A sum of money that a party is legally obligated to pay to another as compensation for injury. Declarations The part of the policy that provides detailed information about the insured, the insurer, and the coverages. Deductible The amount of a claim that the policyholder has agreed to pay. This amount is deducted from a claims payment. Depreciation A decrease in the value of any type of tangible property over time. Effective Date The date the coverage begins on an insurance contract (policy). Endorsement An amendment to your policy written especially to cover unique items just for you. An endorsement is also a change to your policy that is made during the policy's term. An endorsement is attached to your policy to modify the terms of the insurance contract. Exclusion Part of an insurance contract that excludes coverage of certain perils, persons, property, or locations. Expiration Date The ending date of an insurance contract (policy). Extended Coverage A clause in an insurance policy or in an endorsement that provides additional coverage for other hazards or risks than those provided under the basic policy provisions. Fire Insurance Contract prescribed by each state insuring against direct loss by fire, lightning, and other defined causes. Flood Insurance Coverage against damage caused by the rising or overflowing of bodies of water. This is available through a national insurance program and must be bought separately. Return to the beginning of Home Glossary . Hazard Situation or condition that increases the possibility or extent of a loss. Homeowner's Policy A form of package policy including fire and other perils, theft insurance, and comprehensive personal liability. The premium is stated as one amount. Insurance Department A state's department that has responsibility for the enforcement of the state's insurance code. It is charged with the supervision and licensing of insurance companies and agents and the general administration of insurance laws of the state. Insurance to Value The amount of insurance written on property is approximately equal to its value. An insured most always wants to insure all property to value. Insuring Agreements Part of an insurance policy that states the coverage of the contract. Insured The person who is protected by the insurance policy. Insurer The company that issues a policy to a policyholder; the party in the insurance contract that promises to pay losses and render services. Return to the beginning of Home Glossary . Liability Insurance Liability insurance pays on behalf of the insured for certain types of injury to others. Limit of Liability The maximum amount that an insurer agrees to pay in the case of loss under policy contract. Loss A value reduction in an insured's property caused by an insured peril, the amount sought in a claim, or the amount paid on behalf of an insured under an insurance contract. Loss Payable Clause A policy condition that enables an insured to direct the company to pay any loss that may be due to a third party. Loss of Use Insurance Compensation for loss caused because the policyholder has lost the use of his property. Mobile Home Insurance A special policy designed to meet the needs of mobile home owners or occupants, covering physical damage to the home, contents, and personal liability while the home is used as a permanent residence. Mortgage Clause A clause in an insurance policy that makes a claim jointly payable to the policyholder and the party that holds a mortgage on the property. Mutual Insurance Company A company with no capital stock that is owned and controlled by policyholders. Named Insured The individual or organization with whom an insurance contract is made and who is specifically named as a Named Insured in the policy declarations. Additional individuals or organizations can also be added as named insureds. Natural and Probable Consequences Consequences of a given act that a reasonable person could foresee. Non-Renewal A policy that the insurer does not continue after its expiration date. Return to the beginning of Home Glossary . Occurrence An accident or loss, including continuous or repeated exposure to substantially the same general harmful conditions, that result in bodily injury or property damage. Partial Loss A loss that does not completely destroy the insured property that is covered by an insurance policy. Payroll Deduction The policyholder authorizes his or her employer to deduct amounts from the employee's earnings to cover the premium. Peril The cause of a possible accident, loss, or claim. Personal Inland Marine Insurance (Personal Articles Floater) Worldwide coverage on an all risk basis for scheduled valuable personal property. Policy A formal written contract of insurance. Policyholder The party to whom a policy is issued who agrees to pay a premium to an insurer in consideration of the latter's promise to provide insurance protection. Premium The amount that a policyholder agrees to pay to the insurance company for an insurance policy. Policy Anniversary Date on which an insurance policy must be reinstated to remain in force. Protection Coverage afforded by an insurance contract. Premises The building insured or containing the insured property. Depending on policy conditions, it may also include an adjacent area. Property Damage Means physical injury to, destruction of, or loss of use of tangible property. Property Insurance First party insurance of real and personal property against physical loss or damage. Rate The cost of insurance per unit; used as a base for the determination of premiums. Real Property The earth and all attached land and buildings, also known as real estate. Reinstatement Returning a lapsed policy to its full value after its termination as if it was never terminated. Renewal A policy issued to replace one that has expired. Replacement Cost Coverage for replacing property with new material; depreciation is not taken into consideration. Residence Employee An employee of an insured whose duties are related to the maintenance or use of the insured residence premises. Residence Premises Principal residence of the named insured. Return to the beginning of Home Glossary . Scheduled Property Listing specific personal property for a stated insured value. This is usually considered for valuable items that are subject to limited coverage. Tenants Policy A form of homeowner policy sold to person(s) who rent their living quarters. Total Loss Loss to the insured of the entire value of goods or other property insured, or a loss entailing the payment of the full face amount of an insurance contract. Underwriting A process that evaluates an applicant and their property against pre-established criteria for insurability to determine whether the applicant will be rejected or accepted for coverage and whether at standard or modified rates. Return to beginning of Home Glossary .

RV buyer and RV

Fair Travel Trailer Prices - RV Consignment Leader Home | RVs for Sale | Sell Your RV | RV Insurance | RV Parts | About PPL | RV Service | Map | Contact PPL Fair Travel Trailer Prices ( Click Here for a special Money Saving Internet Offer! ) Fair Travel Trailer Prices - PPL Can Sell your Unit Quickly! Travel trailer and RV Consignment sales are not a side line at PPL. We are the Largest Recreational Vehicle ConsignmentDealer in the USA sellingover 15,500 Consigned Travel Trailers and other RVs since 1972. If you have questions about selling your trailer, click on the topics below to learn about PPL's hassle free RV consignments or simply call PPL at 1-800-755-4775 between 8am and 5pm Central Time. Go to Contact Me About Selling My Travel Trailer Now if you are ready to have PPL sell your unit. 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 How to Get Listed If you are even remotely thinking about selling your travel trailer or 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 your thousands and help you avoid headaches when selling your vehicle. ( Click here for photo tour of PPL) Consignment Specialist Since 1972, PPL has been the consignment leader. We do not sell any new units. Selling new vehicles would distract us from focusing on selling your travel trailer or vehicle. More on why you should use the services of a consignment specialist Return to Top Set Fair Travel Trailer Prices with Free Appraisals The right asking value for your Consignment RV 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 consigned RV is priced toyour best advantage. With these important steps, PPL positions your unit to sell quickly at a fair amount. Take advantage of our experience to have your unit correctly priced with our free appraisal when you list your unit for sale. Use this link to view prices for recently sold vehicles . Return to Top We May Already have A Buyer for Your Unit Chances are, PPL already has a buyer for your travel trailer 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 trade your travel trailer for any other Consigned RV that we have on our Lot. PPL can also pay you cash now for your vehicle. This means you won't have to delay the start of your next adventure. Return to Top Financing PPL can finance buyer for up to 12 years. PPL can even finance oldervehicles currently dating back to 1992 models. This can make a tremendous difference inselling your RV. As you can guess, cash buyers are really hard to find! Return to Top Extended Warranties The extended warranties offered by PPL on many of the later model motorhomes,travel trailers, or fifth wheels. Some customers are leery of buying aused RV without any warranty. Our extended warranties is another reason many buyers prefer to buy a PPL consignedRV 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 RV buyer and RV seller what we are doing right and what we couldimprove on. We are proud of what our customers say about our no hassle consignment 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 RV Sales staff. Return to Top No Cost Unless Sold There is no commission due until your RV is sold. Once your RV 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

RV Motor Home

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RV Travel Security By

RV Travel Security Visit our sister site FabulousFoods.com Tuesday January 24, 2006 Email This Page To A Friend! RV Travel Security By Mark J. Polk For one minute, try to think the way a criminal would think. If you were at a rest stop looking for your next target or victim, what would you look for? Let's pretend for a moment that you were going to target a vehicle. Which would be more appealing, a car whose owner stopped for a quick bathroom break or an expensive looking Class A motor home, whose owners are out walking their dogs? I don't have the mind of a criminal but this is an easy choice. That expensive looking RV probably has expensive contents inside like, jewelry, cameras, and a laptop computer. Okay, we have come to the conclusion that we, the RVers, are the prime target for the criminal mind, so what can we do to protect ourselves? That's what this RV security checklist is for. To give you some ideas on how to protect yourself and you're personal belongings when you're traveling in your RV. Don't stay overnight at a rest stop. Rest stops attract criminals. If you stop at a rest stop it should only be for a short break and then back on the road. Lock the RV and take turns using the facilities, always leaving someone in or close to the RV. Always be on the look out for anything or anyone that looks suspicious. Keep your cell phone handy in case you need it and don't open the door for anybody, unless you know who it is. Rest stops aren't the only place you need to be concerned about. Every time you stop to refuel there are certain precautions you need to take. It's easy to be vulnerable to a thief at a gas station or a truck stop. I have a bad habit of leaving my wallet on the console of our Class C motor home. The door isn't locked and your spouse is taking advantage of the time to walk the dogs. This is how quickly it can happen. Get in the habit of locking the doors whenever you or someone else is not physically in the RV. Most robberies occur at night and most travel related robberies occur at rest stops, gas stations, convenience stores and ATM machines. Try to schedule most of your stops during daylight hours, and whenever you stop be aware of your surroundings. If something doesn't look right leave. Wal-Mart or other parking lots where you might stop to get a few hours of sleep can present security problems too. You should always park in a well lit area and the entry door of the RV should be facing where most of the activity is. A thief prefers to work where it is dark and where it is least likely to draw any attention. Close your curtains or blinds so it's not possible for someone to look inside. Don't open the door for anybody unless you know who it is. If it's a security guard ask for identification before you open the door. As much as we would like to believe that campgrounds are 100% safe and secure don't let your guard down. You don't need to be paranoid, just use some common sense. Don't leave expensive equipment lying around unsecured. Vehicle tow bars, hitches, bicycles and other items need to be under lock and key. Keep any valuables inside the RV secured and out of sight. It's a good idea to purchase a small fire proof safe to store valuables and important paperwork in. The safe might protect your valuables from the hazards of a fire but it will still need to be stored in a secure, out of the way place, inside the RV. Always lock the RV when you're not physically at the campsite. Do not store valuable equipment in outside storage compartments. Believe it or not, a vast majority of RV's use the same exact key as yours for outside storage compartments. If you store valuables, like golf clubs, fishing gear or tools in the outside compartments you may want to have the locks changed. Before you leave on a trip make sure your Emergency Roadside Service Plan is current. In the unfortunate event that you breakdown on the road, try to pull off in as safe a place as possible and call for help immediately. Stay with the RV until help arrives. It's unfortunate that we live in a day and age where we need to take these added measures to protect ourselves. I don't want you to feel like everybody you meet during your travels is a thief or has bad intentions. Just use common sense and be aware of what is going on around you. Plan your trip, travel safe and enjoy your RV experiences. Remember, getting there is half the fun! Happy Camping, Mark Mark Polk is the owner of RV Education 101 . He also hosts the RV Savvy segments on RVTV , which airs on the Outdoor Channel. RV Education 101 is a North Carolina based company that produces professional training videos, DVDs and e-books on how to use and maintain your RV. Our goal is to make all of your RVing experiences safe, fun and stress free. For more information, visit www.rveducation101.com . Sign up today for one of our FREE informative and fun Newsletters . RV / Camping Budget Travel Travel Tips Kitchen Tips Low Carb Low Fat Desserts Holidays/Parties Vegetarian E-Mail address subscribe unsubscribe Home | Budget | Adventures | Globetrotting | Weird Wanderings | RV & Camper's Corner | Galavanting Gourmet On the Water | Travel Books | Community | Tips © Enigma Communications™ 2006 About Us | Advertising Opportunities | Privacy Policy

Motorhome Club RV Travel

Motorhome and RV Owners Forum - The Motorhome Club RV News Index Gallery Links Search Members -- -- FAQ Join the Club Log In The time now is Wed Jan 25, 2006 1:39 Index View unanswered posts The Motorhome Club RV Travel (62501) Recreational Vehicles, lifestyle and related topics. This forum is a gateway to the rec.outdoors.rv-travel (RORT) usenet newsgroup. Moderator Motorhome Club UK Motorcaravans & Campervans (3004) For Motorhome enthusiasts in the UK. This forum is a gateway to the uk.rec.motorcaravans usenet newsgroup. Moderator Motorhome Club Motorhomes for Sale (27) Class A, Class B & Class C motorhomes, campervans, and used RVs for sale. Members; advertise your Motorhome, RV, accessory or service here free. Moderator Motorhome Club Motorhome Forum (874) General motor home chat forum. News, travel, technical issues, lifestyle. This forum is a gateway to the alt.motorhomes usenet newsgroup. Motorhome Club Help (28) Having problems with the website? Any questions? You don't have to be a member to post here. Who is Online In total there are 23 users online :: 0 Registered, 0 Hidden and 23 Guests Most users ever online was 683 on Tue Jan 25, 2005 3:22 Registered Users: None Our users have posted a total of 66434 articles The newest Member is healthy999 Active Topics OT: Challenges----thought processes... ... latest post 1:36:05 Wed Jan 25 OT - Bush the Constitutionalist... ... latest post 1:30:09 Wed Jan 25 Miners' Lamp for rv'ers ... latest post 1:18:06 Wed Jan 25 Newbie ... latest post 1:06:04 Wed Jan 25 lost abc serries-inspiration... ... latest post 0:48:05 Wed Jan 25 OT: Foxfire, why I should or... ... latest post 0:42:07 Wed Jan 25 On the way to Pluto. ... latest post 0:36:09 Wed Jan 25 Ford to file BANKRUPTCY ... latest post 0:24:09 Wed Jan 25 Dri Wash-N-Guard Ultra-Ion Questions... ... latest post 0:18:09 Wed Jan 25 OT ~ Think About This.....NO... ... latest post 0:12:06 Wed Jan 25 OT Cell Phones on DOD Instalations... ... latest post 0:06:06 Wed Jan 25 Senate Panel Approves Alito... ... latest post 22:48:06 Tue Jan 24 Optima batteries ... latest post 21:48:08 Tue Jan 24 Hunter in the news ... latest post 21:36:05 Tue Jan 24 Ping, Nate re Weather in Reno... ... latest post 20:24:09 Tue Jan 24 Onan life ... latest post 20:12:06 Tue Jan 24 Touring France in August ... latest post 19:12:13 Tue Jan 24 OT ~ The Odds ... latest post 18:48:07 Tue Jan 24 OT Canadian Election ... latest post 17:42:19 Tue Jan 24 T25 Electrics ... latest post 17:36:15 Tue Jan 24 TV In The RV ... latest post 15:48:09 Tue Jan 24 OT: Solomon's Porch ... latest post 8:06:09 Tue Jan 24 High mileage autohomes ... latest post 7:24:20 Tue Jan 24 OT- The Next Great Thing ... latest post 5:24:07 Tue Jan 24 OT ~ Showboating Senators =... ... latest post 5:00:13 Tue Jan 24 how much to repower w/ a 454... ... latest post 2:36:15 Tue Jan 24 OT: Hardships ... latest post 1:24:12 Tue Jan 24 OT: Amnesia ... latest post 23:30:28 Mon Jan 23 32 x 60 stainless steel Taylor... ... latest post 22:00:09 Mon Jan 23 Pre heating of engine block ... latest post 21:18:08 Mon Jan 23 OT - Birthdays ... latest post 20:48:07 Mon Jan 23 Euramobil A class 700KB for... ... latest post 11:37:09 Mon Jan 23 Baja California Norte West Coast... ... latest post 8:06:09 Mon Jan 23 Here's another Adios - to film... ... latest post 7:30:21 Mon Jan 23 OT Stranger than fiction... ... latest post 4:24:07 Mon Jan 23 Bounder Salvage Yard? ... latest post 2:42:06 Mon Jan 23 OT - Humor ... latest post 2:12:07 Mon Jan 23 Mexico East coast trip questions... ... latest post 1:18:09 Mon Jan 23 Montana/filon fiberglass ... latest post 23:12:09 Sun Jan 22 Keeping Battery Charged Over... ... latest post 6:06:09 Sun Jan 22 Mark all forums read All times are GMT + 1 Hour Photo Gallery Hymer C-Classic 2005 Rate this Picture Join the Club Username : E-mail:(must be valid) Password : Password Confirm : Privacy Policy Log In Username: Password: Auto Log In: Latest Photo Wnnebago - 2005 Itasca Suncruiser Lifestyle Photo Gallery News Index Gallery Links Search Members -- -- FAQ Join the Club Log In The Motorhome Club 2004 :: Forum :: News :: Photos :: Motorhome Links :: FAQ :: Fleetwood RV News :: Winnebago News :: Low Band Motorhome Club 1st25 2004 :: PHP :: phpBB 2004 :: Linux :: Smartor :: John Kirkham :: Apache :: Magic :: MySQL