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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Find a Recreational Vehicle on 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 . Our easy-to-use browse lets you browse recreational vehicles in two easy steps. Click the type of recreational vehicle you're interested in below. The search criteria is optional. Note: recreational vehicles available to Browse are recreational vehicles that have been classified by our dealers and private parties. To view more recreational vehicles that have not been classified, use our Search feature. Vehicle Types Available Our easy-to-use browse lets you browse recreational vehicles in two easy steps.Set your browse criteria and then select a class of recreational vehicles to browse below. Year Range: to State: Select a State... Alabama == 540 Alaska == 1 Alberta == 2 American Samoa Arizona == 4,200 Arkansas == 516 Armed Forces Americas Armed Forces Europe Armed Forces Pacific British Columbia == 4 California == 8,109 Colorado == 1,541 Connecticut == 165 Delaware == 124 District of Columbia Federated States of Micronesia == 1 Florida == 8,262 Georgia == 2,893 Guam Hawaii Idaho == 414 Illinois == 1,805 Indiana == 2,140 Iowa == 483 Kansas == 598 Kentucky == 556 Louisiana == 143 Maine == 62 Manitoba Marshall Islands Maryland == 119 Massachusetts == 657 Michigan == 3,588 Minnesota == 2,125 Mississippi == 327 Missouri == 747 Montana == 298 Nebraska == 2 Nevada == 1,092 New Brunswick New Hampshire == 215 New Jersey == 894 New Mexico == 419 New York == 2,085 Newfoundland North Carolina == 2,489 North Dakota == 265 Northern Mariana Islands Northwest Territories Nova Scotia == 1 Nunavut Ohio == 2,884 Oklahoma == 1,129 Ontario == 5 Oregon == 3,412 Palau Pennsylvania == 3,098 Prince Edward Island Puerto Rico Quebec == 1 Rhode Island == 86 Saskatchewan South Carolina == 850 South Dakota == 4 Tennessee == 1,235 Texas == 4,557 US Virgin Isles Utah == 827 Vermont == 10 Virginia == 727 Washington == 3,053 West Virginia == 157 Wisconsin == 1,378 Wyoming == 22 Yukon Territory Ads per page: 15 25 50 Search Ads Ads with photos only All Ads Class A Largest and most luxurious of the motorized RV's. Browse Fleetwood, Monaco, Beaver, and others. Class B Compact and good for towing. Browse Airstream, Coachmen, Born Free, and others. Class C A scaled-down Class A. Browse Winnebago, Fleetwood, Chateau, and others. Fifth Wheel Often called Fivers, the RV of choice for full-timers. Browse Gulfstream, Alpenlite, Newmar, Thor, and others. Folding Camper Lightweight unit with sides that collapse for towing and storage, Browse Jayco, Forest River, Coleman, and others. Park Model Designed to be moved solely for occasional relocation. Browse Breckenridge, Skyline, Canterbury, and others. Toy Hauler Specifically used to haul toys - cycles, ATVs, etc. Browse Weekend Warrior, K-Z, Roadmaster, and others. Travel Trailer Designed to be towed, it offers all the amenities of home. Truck Camper Popular for remote location camping. Browse Lance, Sunvalley, Arctic Fox, and others. Park Model Designed to be moved solely for occasional relocation. Browse Breckenridge, Skyline, Canterbury, and others. Buyer's Guide What kind of RV suits your needs? We'll help you decide on a motorized Class A, Class B, or Class C motorhome or a towableFifth Wheel, Folding Camper, Toy Hauler, Travel Trailer, or Truck Camper. 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

RV Campground 504-777-4393 Return

Louisiana Campgrounds and RV Parks LouisianaTraffic Information | Home | Hot Links | AddYour Park to the Directory | Go to another State Select State Canada International Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersy New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming National Park Service Trailer Life Magazine NADA Guides RV Insurance Select Cities Select Cities beginning With A - C D - F G - I J - L M - O P - R S- V W - Z Recreation.Gov Go RVing RV Consumer Group Funroads.Com Alexandria Cabana Mobile Estates 318-449-4896 Alexandria West KOA 318-445-5227 Casey-Dyer RV Center 318-473- 1802 Cenla Camping Center 318-445-6981 Rapides Coliseum 318-442-9581 Valentines Lake South Shore/Kisatchie Nat Forest 318-445-9396 Alexandria Area (Hwy 165N) Diamond T RV Park Phone Number 318-765-3061 Fax 318-765-3220 Updated 10/2/2005 Visit our Web Page Send Email Map Directions: North from Alexandria on Hwy 165, 1 mile North of J&S Mobile Station, second road to the left( East Meade Rd. 1/3 mile on left. Additional Features: Total Sites 8 CATV No Full Hookups 8 Camp Store No 20 / 30 Amp Electric 8 / 8 Restrooms & Showers No 50 Amp Electric 8 Pool No Pull Thrus 8 Dump Station Yes Back-Ins 0 Laundry No Interior Roads Gravel Dates Open All Year Rates $15.00 - 20 .00Daily $50.00 - 65.00 Weekly $220 - 230 - 250 Monthly Modem Friendly No Pets Allowed Yes Anacoco Pleasure Point/Park 318-565-4810 Arcadia Bonnie and Clyde Trade Days 318-263-2437 Arnaudville Robins Country Leisure Park 318-754-5017 Baton Rouge Cajun Country Campground 800-264-8554 Camper City 504-273-4533 Blanchard Trailer Sales 504-355-4449 Cedarcrest Southmoor Villages 504-293-3839 Farr Park Campground 504-769-7805 Knight's RV Park 504-275-0679 Baton Rouge KOA 1-800-562-5673 Miller's RV Center 504-275-2940 RV Mart Inc 504-272-1111 The RV Shop 504-272-7230 Tranquility Lakes RV Campground 504-777-4393 Return to top Boyce Alexandria West KOA 318-445-5227 Breaux Bridge Pioneer Campground 318-332-3502 Broussard Smith Lodge & Campground 318-837-6286 Denham Springs Tranqulity Lakes RV Campground 504-777-4393 Baton Rouge East KOA 504-664-7281 Folsom Folsom Hills Resort 41621 Mockingbird Hill Rd. Franklinton, LA 70438 Phone: 985-796-8463 WebPage: http://www.folsomhillsresort.com Email: denisd@bellsouth.net Updated 11/1/2004 Map Gibson Gibson KOA 5961 Bayou Drive Gibson,LA 70356 504-575-8080 Greenwood Kelly's RV Park 8560 Greenwood Rd. Greenwood, LA 71033 318-938-6360 Hammond New Orleans/Hammond KOA 504-542-8094 Punkin Park Campground 504-567-3418 Houma Capri Court Campground 800-428-8026 Lafayette Lafayette KOA 537 Apollo Rd Scott,LA 70583 1-800-562-0809 Lake Charles Lake Charles/Vinton KOA 1514 Azema Vinton,LA 70668 1-800-562-1899 LaPlace LaPlace Trailer Park & RV Park 113 LaPlace Trailer Court LaPlace, La 70068 Phone: 985-652-9086 Updated 1/25/2005 Loranger Sweetwater Campground, RV Park & Riding Stables 57056 N Cooper Rd Loranger, LA 70454 Phone: (985) 878-6868, Toll free (877) 890-6868 WebPage: www.sweetwater-campground.com Email: sweetwater-campground@charter.ne t Updated 8/25/2005 Map & Directions Monroe & Area R & M RV PARK 131 COLVIN STREET DUBACH, LA 71235 Phone: 318-247-5360 Updated 9/12/2005 Shilo RV & Travel Resort 317-343-6098 Return to top Morgan City Belle Riverside RV Park Phone Number 985-252-4424 Fax 225-715-0030 Map of area Updated 11/30/2005 Visit our Web Page Send Email Directions: US 1-10 TO EXIT 182-CROSS SUNSHINE BRIDGE TO LA. HIWAY 70-GO 20 MILES TO LA. 1016-2 AT WATER TOWER TO BELLE RIVER-TURN RIGHT 1.5 MI. TO SITE ON BELLE RIVER Additional Features: ELECTRICITY-GARBAGE PICK-UP-SEWERAGE-BOAT RAMP- WHARF PROVIDED-CABLE TV AVAILABLE 38 MILES TO BATON ROUGE - 67 MILES TO NEW ORLEANS Total Sites 12 CATV Yes Full Hookups 12 Camp Store No 20 / 30 Amp Electric 0/12 Restrooms & Showers No 50 Amp Electric 12 Pool No Pull Thrus 0 Dump Station Yes Back-Ins 12 Laundry No Interior Roads Concrete Dates Open All Year Rates Modem Friendly Yes Pets Allowed Yes Myrtle Grove Area Myrtle Grove KOA 1-800-562-8134 Natchitoches Nakatosh Campground 318-352-8072 SALINE LAKE RV PARK P.O. BOX 112 WINNFIELD, LA 71483 Phone: 318-628-4605 or 318-628-1284 / FAX 318-628-7598 WebPage: http://hometown.aol.com/alsucat/myhomepage/business.html Email: alsucat@aol.com Updated 7/4/2004 Mapof Area New Orleans Jude Travel Park 504-241-0632 Madi Gras Campground 504-243-0085 Riverboat Travel Park 504-246-2628 Willow Mar Travel Park 504-244-6611 New Orleans West KOA 1-800-562-5110 New Orleans/Hammond KOA 1-800-562-9394 New Orleans East KOA 1-800-562-2128 New Orleans Area Folsom Hills Resort 41621 Mockingbird Hill Rd. Franklinton, LA 70438 Phone: 985-796-8463 WebPage: http://www.folsomhillsresort.com Email: denisd@bellsouth.net Updated 11/1/2004 Map Patterson Kemper Williams Park 504-395-2298 Pineville Country Living 318-442-9801 Port Allen Cajun Country Campground 1-800-264-8554 Pierre Part Belle Riverside RV Park Phone Number 985-252-4424 Fax 225-715-0030 Map of area Updated 11/30/2005 Visit our Web Page Send Email Directions: US 1-10 TO EXIT 182-CROSS SUNSHINE BRIDGE TO LA. HIWAY 70-GO 20 MILES TO LA. 1016-2 AT WATER TOWER TO BELLE RIVER-TURN RIGHT 1.5 MI. TO SITE ON BELLE RIVER Additional Features: ELECTRICITY-GARBAGE PICK-UP-SEWERAGE-BOAT RAMP- WHARF PROVIDED-CABLE TV AVAILABLE 38 MILES TO BATON ROUGE - 67 MILES TO NEW ORLEANS Total Sites 12 CATV Yes Full Hookups 12 Camp Store No 20 / 30 Amp Electric 0/12 Restrooms & Showers No 50 Amp Electric 12 Pool No Pull Thrus 0 Dump Station Yes Back-Ins 12 Laundry No Interior Roads Concrete Dates Open All Year Rates Modem Friendly Yes Pets Allowed Yes Pollock (Hwy 165 S) Diamond T RV Park Phone Number 318-765-3061 Fax 318-765-3220 Updated 10/2/2005 Visit our Web Page Send Email Map Directions: North from Alexandria on Hwy 165, 1 mile North of J&S Mobile Station, second road to the left( East Meade Rd. 1/3 mile on left. Additional Features: Total Sites 8 CATV No Full Hookups 8 Camp Store No 20 / 30 Amp Electric 8 / 8 Restrooms & Showers No 50 Amp Electric 8 Pool No Pull Thrus 8 Dump Station Yes Back-Ins 0 Laundry No Interior Roads Gravel Dates Open All Year Rates $15.00 - 20 .00Daily $50.00 - 65.00 Weekly $220 - 230 - 250 Monthly Modem Friendly No Pets Allowed Yes River Ridge New Orleans KOA 504-467-1792 Robert Yogi Bear's Jellystone Park 504-542-1507 Return to top Scott Lafayette KOA 318-235-2739 Slidell Pine Crest RV Park 504-649-3181 Tammany Mobile Home Park 504-641-8068 Shreveport Campers RV Center 318-938-5441 Diamond "S" RV Park 316-239-3256 Shreveport/Bossier KOA 318-687-1010 Sterlington Bayou Boeuf RV Park 318.655.2405 Sulphur Hidden Ponds RV Park 318-583-4709 St. Francisville Green Acres Campground Phone Number 225-635-4903 Fax 225-635-2070 Visit our Web Page Send Email From Jct of: U.S. Highway 61 and LA Highway 965. 3.2 miles on left Total Sites 47 CATV No Full Hookups 47 Camp Store No 30 Amp Electric 47 Restrooms & Showers Yes 50 Amp Electric 47 Pool Yes Pull Thrus 5 Dump Station Yes Back-Ins 42 Laundry Yes Interior Roads Gravel Security Dates Open All year Rates Modem Friendly Yes Pets Allowed Yes Return to top V Vinton Lake Charles Vinton KOA 1514 Azema, St. Vinton, LA 70668 318-589-2300 pelican Return to top WINNFIELD SALINE LAKE RV PARK P.O. BOX 112 WINNFIELD, LA 71483 Phone: 318-628-4605 or 318-628-1284 / FAX 318-628-7598 WebPage: http://hometown.aol.com/alsucat/myhomepage/business.html Email: alsucat@aol.com Updated 7/4/2004 Mapof Area

Fleetwood RV Owner Relations

Contact Us Welcome! [sign in to access My Fleetwood] My Fleetwood Luxury Coaches American Heritage American Eagle American Tradition Diesel Coaches Revolution Revolution LE Excursion Providence Discovery Bounder Diesel Expedition Gas Motor Homes Pace Arrow Southwind Bounder Flair Storm Terra Fiesta Mini Motor Homes Tioga Tioga SL Tioga SLX Jamboree Jamboree GT Jamboree GTX Travel Trailers Triumph Pride Terry Prowler Wilderness Mallard Pioneer Pegasus Orbit Toy Haulers GearBox Nitrous Hyperlite RedLine Folding Camping Trailers Destiny Americana Highlander Scorpion Evolution Element Contact Us Welcome to Fleetwood RV Owner Relations Access product information and support contacts Welcome to Fleetwood RV Owner Relations! Our goal is to provide our customers with a delightful RV ownership experience, through a team of highly trained associates ready to assist our customers and dealers with technical and service-related questions. Customer Service For: AMERICAN COACH MOTOR HOMES TRAVEL TRAILERS FOLDING TRAILERS Frequently Asked Questions: AMERICAN COACH FAQ MOTOR HOME FAQ TRAVEL TRAILER FAQ FOLDING TRAILER FAQ Fleetwood offers the best value in the industry, backed by the best warranty and service in the business. Three (3) Parts Distribution centers are strategically located across the United States for expedited shipping to our dealers. Fleetwood has a nationwide network of service and support with more than 900 dealers and service centers throughout the United States and Canada. You can have access to our network of dealers by clicking on the Locate Dealer link below. Or, if you prefer, one of our Owner Relations specialists can assist you in locating a service center near you. Although we encourage our customers to contact their selling dealer first with any service-related issues, we are always here to assist and answer your questions. If your dealer is unable to resolve a problem, please contact our Fleetwood Owner Relations group. Before contacting us, however, please refer to the Frequently Asked Questions for the category in which you are interested. Many of the most common questions asked by owners are answered in these FAQs. Home | Contact Us | Owners Clubs | Plant Tours | Your Privacy | About this Site Fleetwood RV Store | Fleetwood.com | Employment | Website Feedback

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