Vacation Vehicle

orlando hotels, vacation rentals -- global discount hotel reservations 1.800.ORLANDO (1.800.675.2636) home | view/cancel reservation | contact | faq's How to Use This Page Show me the car types. I have more questions... Credit Card Safety 24 hr Customer Care View/Cancel Reservation 1.800.ORLANDO (1.800.675.2636) City Code -- Atlanta, GA (ATL) Atlantic City, NJ (ACY) Austin, TX (AUS) Boston, MA (BOS) Charleston, SC (CHS) Chicago, IL (ORD) Colorado Springs, CO (COS) Dallas/Fort Worth, TX (DFW) Denver, CO (DEN) Fort Lauderdale, FL (FLL) Hilton Head Island, SC (HHH) Key West, FL (EYW) Las Vegas, NV (LAS) Los Angeles, CA (LAX) Memphis, TN (MEM) Miami, FL (MIA) Nashville, TN (BNA) Nassau, Bahamas (NAS) New Orleans, LA (MSY) New York, NY (JFK) New York, NY (LGA) Norfolk/Virginia Beach, VA (ORF) Orlando, FL (MCO) Palm Springs, CA (PSP) Panama City, FL (PFN) Philadelphia, PA (PHL) Phoenix, AZ (PHX) Portland, OR (PDX) Reno, NV (RNO) Salt Lake City, UT (SLC) San Antonio, TX (SAT) San Diego, CA (SAN) San Francisco, CA (SFO) San Juan, Puerto Rico (SJU) Seattle, WA (SEA) St. Thomas, Virgin ISlands (STT) Washington, DC (DCA) West Palm Beach, FL (PBI) Yellowstone, MT (WYS) Amsterdam, NL (AMS) London, UK (LGW) London, UK (LHR) Paris, France (PAR) Sort Method Default Price Type Company Pick Up Date January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2006 2007 Pick Up Time 12 PM 1 PM 2 PM 3 PM 4 PM 5 PM 6 PM 7 PM 8 PM 9 PM 10 PM 11 PM 12 AM 1 AM 2 AM 3 AM 4 AM 5 AM 6 AM 7 AM 8 AM 9 AM 10 AM 11 AM Drop Off Date January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2006 2007 Drop Off Time 12 PM 1 PM 2 PM 3 PM 4 PM 5 PM 6 PM 7 PM 8 PM 9 PM 10 PM 11 PM 12 AM 1 AM 2 AM 3 AM 4 AM 5 AM 6 AM 7 AM 8 AM 9 AM 10 AM 11 AM Company Name All Available Thrifty Dollar Advantage Fox Interameri Alamo National Hertz Avis Budget Sears Able Rent A Car Ace Affinity All International All-American Allstate Americar Auto Europ Capital Capps Vans Charlie Ca City Rent Continental Der Travel Discount E.c.r Europcar Ez Rent Its Kemwel Kenning L And M Marathon Midway Mudan Auto Nationwide New Fronti Practical Practical Car Preferred Red And Blue Red/blue Routes Car Rental Royal Rac Sixt Gmbh Specialty Town Cntry Triangle U-Save Wards Vehicle Type Code All Available 2 Door Car Car 4 Door Car Station Wagon Convertible Sports Car Four Wheel Drive Van Vehicle Class Code All Available Mini Economy Compact Intermediate Standard Full-Size Premium Luxury Currency U.S. Dollars Euro Canadian Dollar Danish Kroner British Pound Norwegian Kroner Swedish Krona Swiss Francs Hong Kong Dollar Australian Dollar Singapore Dollar Orlando Hotel Reservations l Orlando Vacation Rentals l Orlando Car Rentals l Orlando Flights contact l faq’s l privacy policy l user agreement l site map © 2006 Orlando.com - All Rights Reserved

RV Parks Superior Small

Daytona Beach Area Official Visitor Information Website -- Daytona Beach, Florida Daytona Beach Area Official Visitor Information Website -- Daytona Beach, Florida Book A Room Hotels/Motels/Inns/B&Bs Hotel Packages Campgrounds & RV Parks Superior Small Lodging The Beach Attractions, Sports, & More Sports & Recreation Calendar of Events Arts & Entertainment Church Directory Daily Calendar of Events Annual Festival & Event Guide Biketoberfest® Beachside & Mainland Areas Nearby Sites & Attractions Area Maps Area Weather A Brief History What's New in the Area Our African-American Heritage Travelers' Safety Tips Restaurant Finder Nightclubs Places to Shop Interactive Travel Planner Group & Convention Travel Get Here. Get Around. Contact Us Planning a Wedding Free Vacation Guide Kids' Stuff Postcards Screensavers Video Clips Current Conditions Live Beach Cams Beach Guidelines Beachfront Parks Sea Turtle Season Watersports Historic Attractions Motorsports Attraction Sightseeing & Boat Tours Museums & Galleries Family Fun Other Attractions Golfing Fishing Water Sports Outdoor Sports & Activities Skating Baseball College Sports Campgrounds & RV Parks Golfing Fishing Water Sports Outdoor Sports & Activities Skating Baseball College Sports Campgrounds & RV Parks Performing Arts Museums & Galleries Wedding/Reception Sites Entertainment Florists Wedding Planner Wedding Attire Invitations/Accessories Photography/Video Caterers Limo Service Miscellaneous All Events Special Events Biketoberfest® Loud Pipe Risk Rights Scenic Rides Calendar of Events Vendor Information Where to Stay Photo/Video Gallery Postcards Ride for the Children Screensaver Media Room Public Safety Join our Mailing List Future Dates Flyer Loud Pipes Risk Rights Scenic Rides Calendar of Events Vendor Information Where to Stay Photo/Video Gallery Postcards Ride for the Children Screensaver Media Room Public Safety Join our Mailing List Future Dates Flyer Getting to the Area Getting Around Town Warm Winter Getaways! Campgrounds and RV Parks Updated June 2, 2005 Bulow RV Resort & Campground , 800-782-8569 Directions: From Daytona Beach north on I-95 exit #90 Old Dixie Hwy, go east to route 2001, turn right 3 mile Description: Bulow RV Resort is conveniently located near Orlando, Jacksonville and St. Augustine. We are just minutes from Daytona Speedway and beautiful Daytona Beach. Tent sites to full hookups available. Camping Cabins available which sleep four to six people. These rustic cabins provide all the fun and excitement of camping out with all the comfort of camping in. Rates: $22 per double occupancy. Rates may be higher during special events. Number of Sites: 350 * Number of Full Hookups: 250 *Receptacles: 30 & 50 * Clubs Welcome! * Big Rigs Welcome! Cacklebery Campground, (386) 428-5459 * cacklebery@aol.com RV with hookups & Tent Camping Available. From Daytona Beach, west on Int'l Speedway Blvd, 8 miles south on Tomoka Farms Rd. (SR 415). We are located next to the Cabbage Patch. We are centrally located approx. 7 miles south of Daytona International Speedway Blvd. on Tomoka Farms Road. 1.5 miles north of New Smyrna Speedway, and approx. 10 minutes to Daytona International Speedway via. Tomoka Farms Road. 5 To 8 minutes from the Beaches. RV sites available both with Water and Electric Hookups as well as Self Contained RV sites. For those who like to ruff it... Tent sites are welcome as well. Tavern on site. Open campfires allowed. Portable showers. Lighted and secured. Come join us in the fun, and relax the way you like. Contact Frank. Cacklebery Campground is where you can relax and have as much fun as you like. Daytona Beach Campground Daytona Beach - (386) 761-2663 Minutes to beach, speedway, dog track, fishing. 17 acres with 180 sites. Modern restroom facilities, heated pool, large store, game room, laundry, playground, shuffleboard, LP gas. Encore Super Park Ormond Beach - (386) 672-3045 or (877) 277-8737 Fax (386) 672-3026 232 pull-through sites off highway. Clean modern restrooms, hot showers. Minutes from beach, racetrack, shopping. 70 acres of grass, trees, trails, etc. Solar heated pool, 2 laundries, gameroom, picnic tables, shuffleboard, dump station, LP gas, cabe TV. Harris Village and RV Park 1080 N. U.S. 1 Ormond Beach (386) 673-0494, FAX (386) 672-5716 * harrisvillage@aol.com Web site: http://www.harrisvillage.com Quiet, clean, neat little adult park. Family owned & operated. Twenty full hookups with 30/50 amp elec. Clean restrooms with hot showers & laundry facilities. Specializing in Seniors. Minutes from golfing, boating, fishing, beach, shopping and Daytona International Speedway. Specializing in seasonal winter sites with on-site storage. Small approved pets only. Reservations required. International RV Park and Campground 3175 West Int'l Speedway Blvd. Daytona Beach (386) 239-0249 A country-like setting with nicely landscaped spacious lots. Brand new facilities, including swimming pool, and utilities all located within city of Daytona Beach. Less than two miles west of Daytona International. Nova Family Campground Port Orange - (386) 767-0095 Beautiful shaded sites. 10 minutes. from World's Most Famous Beach, dog track, speedway. Heated. swimming & kiddie pools. LP gas, groceries, laundromat, picnic tables, pets on leash. Orange Isle Campground 3520 Nova Road Port Orange - (386) 767-9170, FAX (386) 767-9866 Camp in an orange grove tropical setting: palms, oaks, orange trees. 50' swimming pool, clean restrooms, recreation hall, city water, city sewer, 2.5 miles from the beach. No pets. Rose Bay Travel Park 5200 S. Nova Road Daytona Beach (386) 767-4308, FAX (386) 767-7020 Pets must be on a leash. Reservations. Fishing on premises, water and electric, showers, pool, recreation hall, cable TV. Spruce Creek Park 6250 S. Ridgewood Avenue Port Orange (386) 322-5133, FAX (386) 304-5515 Twenty-three acres with 17 campsites. Tent camping only. Fishing dock, 1/2-mile nature trail. Picnic tables with pavilion, playground, horseshoe pits. Restrooms with showers. Pets allowed on a leash. Tomoka State Park 2099 N. Beach Street Ormond Beach (800) 326-3521 or (386) 676-4050, FAX (386) 676-4060 Brackish-water fishing, nature trails, boat ramp, 100 campsites. Pets on leash allowed. Overnight stays allowed. Call for fees. Temporary & Overflow Campgrounds - click here

Motor Home magazine. The

Amazon.com: MotorHome [MAGAZINE SUBSCRIPTION]: Magazine Subscriptions Your Store Magazine Subscriptions See All 32 Product Categories   Your Account | Cart | Wish List | Help | Advanced Search | browse subjects | top sellers | today's deals | gift ideas | newspapers | professional & trade Search Amazon.com Magazines Newspapers Newsletters Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . MAGAZINE INFO Explore this magazine buying info editorial reviews customer reviews See more images Customers also bought these magazines these other items Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item RATE THIS MAGAZINE I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the Books Store The RVer's Bible : Everything You Need to Know About Choosing, Using, & Enjoying Your RV by Kim Baker, Sunny Baker Spec tacular Readers Never misplace your reading glasses again with the hip andstylish magnetic readers from CliC . Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . MotorHome [MAGAZINE SUBSCRIPTION] Cover Price: $47.88 Price: $19.97 ($1.66/issue) You Save: $27.91 (58%) Issues: 12 issues/12 months See more images Print a Magazine Gift Card Ordering it as a gift? Give your recipient a personalized MotorHome gift card! ( Flash Player required.) See more magazine gift options . Magazine subscriptions always ship free, and they help you qualify for FREE Super Saver Shipping on the rest of your order! See details . Availability: The first issue should arrive in 6-10 weeks. Here's why See more product details Better Together Buy this magazine with Trailer Life [Magazine Subscription] today! Total List Price : $95.76 Buy Together Today: $35.94 Product Details Format: Magazine Shipping: Currently, item can be shipped only within the U.S. Publisher: TL Enterprises Inc. ASIN: B00005TPI7 Average Customer Review: Based on 3 reviews. Write a review . Amazon.com Sales Rank: #681 in Magazine Subscriptions(See Top Sellers in Magazine Subscriptions ) Yesterday: #343 in Magazine Subscriptions For magazine orders, your name and mailing address will be shared with the appropriate publisher. This magazine subscription is provided by Synapse Services, Inc. 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Search Customer Reviews 2 of 2 people found the following review helpful: Useful Info for Motorhome Travelers , September 28, 2005 Reviewer: Virginia Allain "(retired librarian)" (Poinciana, FL)- See all my reviews The CROSSROADS column lists a sampling of events around the country that you can enjoy while traveling and upcoming RV shows. The SHORT STOP column gives more in depth descriptions of an area for RVers to visit. There were three or four travel destination stories. Several feature articles glorified new motorhome models and their bells and whistles. A few drawbacks were mentioned so these could aid a consumer planning a purchase. Other articles profiled a celebrity and his custom motorhome and one covered rehabbing an older motorhome. There's a HOT LINE column that mediates disputes about motorhomes (usually repair problems). The COACH & CHASSIS column answers technical questions from readers about RV refrigerators, batteries, power steering, furnace, etc. QUICK TIPS features a sampling of reader's ideas. POWERTRAIN Q & A answers readers' questions about motor issues. LOOKING BACK features a vintage motorhome. Over all, a fairly useful magazine for motorhome owners though liberally cluttered with ads pushing the latest products. Was this review helpful to you? ( Report this ) 15 of 17 people found the following review helpful: Excellent magazine , June 17, 2003 Reviewer: Andrew W. Lee "Canoeing3" (Buena Vista, VA United States)- See all my reviews I began looking for an RV 3 years ago and have come to rely on the information in Motor Home magazine. The advertisements offer lots of information which I can use to check against other sources to make sure I'm getting what I want and not over-paying. I really enjoy the trips section, and the reviews of the new motor homes. I save every issue and read them several times to uncover gems that I missed in the first reading. The reviews of the Rialta, the Trek and the See Ya have been particularly helpful to me. I also like the articles about the dinghys. My goal now is to travel from Florida to Mexico to Alaska, then East through Canada to the Maritimes, then back to Florida. While in Mexico I plan to take the Copper Canyon trip, and in the Northwest I will retrace sections of the Lewis and Clark Expedition. All along this trip I'll rely on past and present articles in Motor Home Magazine for stops along the way. Andy in Virginia. Was this review helpful to you? ( Report this ) 4 of 31 people found the following review helpful: Nothing is PERFECT, but MH is very GOOD , June 17, 2002 Reviewer: Paul L. Baker (PHX)- See all my reviews Very simple, I do not give perfect ratings for anyone or anything! Was this review helpful to you? 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Mobile Home Sales

Great Mobile Homes of Mississippi - The Trailer Park Explain Please Product Features Articles on Dr. Bukk Celebs FAQ Fun Thangs w/ Teef What's My Size Cosmetic Teef Fambly Pichurs Fambly Names Jokes Great Mobile Homes of Mississippi Hints from Hellish Louise Favorite Links Gallery Shipping Policies W arning, if you were educated in Mississippi's public schools, these pichurs ain't for colorin. When you think of Mississippi, what comes to mind? Illiteracy? Sweltering heat? Bigotry? Velvet Elvis? These are all valid responses. However, we must remember what Mississippi gives to the world of architecture. The mobile home is an icon in every Mississippi town with as much symbolism as the second place trophy (Civil War memorial) adorning every Mississippi town square. As with African Americans and gay people, labels for mobile homes have changed over the years. Manufacturers are trying to evade negative connotations. First it was a "trailer", then a "mobile home", and now the preferred nomenclature is "manufactured housing". We predict the next moniker will be "candominiums". Covering all the notable mobile homes of Mississippi would be as tremendous an undertaking as putting a man on the moon. For that reason, we've decided to concentrate on the great mobile homes of Columbus, Mississippi. Please join our tour. Blessed are those whose home is in the spirit - Khabouris Manuscript (Aramaic) Blessed are the poor in spirit - Traditional interpretation Having your home chosen for this tour is one of the most exciting social honors in the state. Competition is intense to present our judges with perfection in every detail of mobile home life, such as these newly constructed entry steps. Good deals can always be found at the yearly "scratch and dent sale." Although you can save some time by having the retailer "customize" your home in this manner, you will still need to weather it and have some accessories added to the yard such as a Trans-Camaro or a stove. Most mobile home dealers are honest people doing their best to beautify the landscape with only the finest quality dwellings available. But watch out; some unscrupulous dealers have started placing undamaged homes on their "scratch and dent lot." If you are looking for a "customized home" the old "caveat emptor" (let the buyer beware) applies. Make sure the dealer discloses what customizing has actually been done! You might not realize it, but days of research go into creating appealing mobile home designs. In this example, the designers conducted market research by observing the grocery purchases of the target market. It was determined that 99.9% of that demographic preferred sliced white bread loaf-style, and as a result of that keen insight, this tasteful design proved irresistable. This home has a grand entrance, but you can see the owner isn't really concerned about the "mood" created by the home and its landscape. It's an older model home which has been kept way too clean. What gives? The lawn has been mowed and the garbage has been set out! This home requires a lot of work if they ever want it to be a "Great Mobile Home!" Perhaps, when the owner is finished discussing the pros and cons of WCW vs. WWF, he'll have time to devote to his home. This is a good start. A little rust is evident around the edges, corrugated aluminum is set against the skirting and some trash is piled around the well-weathered porch. This home is well on its way to becoming a redneck castle, but would never qualify for a FEMA loan. Now, look what adding some dogs, a chicken and a Trans-Camaro can do for a mobile home! No, the car isn't up on blocks (yet) but it still adds that extra touch that only the Trans-Camaro can. The film classic "Smokey and the Bandit" lives on in the heart of every mobile home dweller. Other notable features of this home include the custom-built air conditioner support and the fine use of windows. Adding too many windows to a mobile home makes them far too bright on the inside, fading the rugs and uphostery. A screened porch is a must in the South. Here you can see a screened porch put to good use as a storage area for a stove, refrigerator and other appliances. Although not as trendy as placing appliances in the yard, a screened porch allows the public to view your collection. However, it does make it more difficult to get the coveted "rust" color on the appliances. Also note the truck and Trans-Camaro in the yard; a definite plus! In this part of Mississippi, it's hard to keep the yard properly decorated. Many cruel people believe that only a sub-human family could occupy an old broken down bread truck like this one from Lauderdale County, Mississippi. However the artwork on the side is anthropological proof of modern homo sapiens. This energetic and artistic family quickly grew wealthy enough to purchase a stick home through video filmmaking and internet opportunities. Here we see the back-to-nature, save our ecology sentiments so native to trailer residents, proudly fluttering in the front yard. Or, has the payment on the electric bill been a little slow? We all must prioritize, and everyone knows that owning a working dryer isn't nearly as important as that giant satellite dish out back. Kids can be a great inspiration! Their toys add a colorful touch to the landscape and only a child can place objects with a randomness so necessary in making the yard not look "staged." Of course, a fishin' boat doesn't hurt, either! Is it a home, or is it a boat? The jaunty nautical theme suggests a whimsical "BoaterHome". Cars sensibly parked around the Boaterhome will function as little lifeboats, should disaster occur. In this outstanding example note the four cars are on blocks are camoflaged with weeds. In fact the rusted car to the right is covered with so many weeds it's difficult to spot. The resulting effect is subtle yet pleasing to the eye and keeps the neighbors from getting too jealous. This is a textbook example working within an architectural theme, yet keeping things sedated. An uneven lot can be turned into an asset with only a few cement blocks. Notice the strategic placement of blocks holding up the back end of this fine example of "trailer bending." Placing more blocks in the center of the home would destroy its gentle curve and completely spoil the striking effect. Trailer bending is also practical; spills flow to the lowest point in the trailer. This not only saves clean-up time but also makes it easy to feed the dogs. As a side note, the beer can and cigarette carton yard ornaments add colorful garden whimsy. Here's a family taking full advantage of a sloped lot. Other kids are jealous, because these children can sit on pie pans and slide down the hallway. Latinos have arrived in Columbus! All the neighbors said they couldn't concentrate on their TV sets after Pedro finished painting his trailer, so they moved away. The South is famous for gracious hospitality, and no place lays this claim on thicker than Mississippi. Clearly this tradition is not limited to the plantation house. "y'all come on down! We got a cot fer ya! Our pool blew away, but Mom 'n them still have one." Tornadoes cause hundreds of dollars of damage to mobile homes every year and some trailer dwellers take measures against them. Others just let nature help them with their decorating. Here we see an example of using tires to help hold the roof on during those frequent Mississippi storms. With the roof protected against even the most severe twister the owner can put more emphasis on landscaping. More square footage is often needed to house some of the larger collections (and occupants). Here, the rare "Leisurama", a '60's precursor to the ubiquitous "double wads" and transformer toys, could travel as a single wide and then unfold to luxurious proportions when set up on site. It's a sad commentary on our culture, but the collections which take so many years to acquire can easily be stolen. Some mobile home dwellers have had to resort to fences to keep their treasures safe. Insecurity often leads mobile homeowners to purchase mean dogs such as a Pit Bull or Rottweiler, known in these parts as 'Rocks'. Sadly, this family's Rock mistook their home for a can of Alpo. On the streets of New York, this car would draw laughter, but in Mississippi, this Transcamero 4x4 is a sex machine, capable of out boggin' any foreign-made yuppie SUV. For those who don't know, boggin' is a fascinating sport where contestants see who can get the furthest in a field of slick mud. Mississippi trailer folk don't get mad, they get even! Provoke a feud with your neighbor, and you might return from work one day to find no pad on your pad! Yard ornaments are especially appealing when they add color to the composition. But there are so many colors, how does one choose? These mobile home residents knew the beautiful shades of the '70s would come back in style and they bided their time. Now, they have gorgeous burnt-orange and avocado antiques to add that special touch to their landscape. In the American dream, people work hard and prosper. Here the owners (previously living in a mobile home) achieved the upward mobility of a stick-built home but never abandoned their traditional landscaping values. Here's a superb example of 12-pack engineering. A mobile wood burning, forced air heating and air conditioning unit . Note the extension ladder supporting the ductwork. We all know the rule: "If the van is a-rockin', don't come a-knocking", but the more appropriate conclusion here is: "If the van is a-smokin', don't come a-stoking". Why does the county insist on placing signs in front of homes with "slow" children? Is it really a good idea to advertise such facts? How does one enter this home? That's the beauty! As you can clearly see by this example, enough landscaping material can hide the front door from those pesky neighbors. Moving that much landscaping material into a yard takes a lot of work but if you plan it in stages it'll go smoother. Mississippi has a well-deserved reputation for beautiful women. Women who dress nice for football games, have lovely nails and hair, and who can't resist a man in a muscle car from the 70's. We heard this guy, with his homemade Buick Rivera Batmobile, gets more action than a toilet seat. A fine example of the art of architectural additions. Note how the style of the original home is tastefully mirrored in the choice of the mobile home addition. If the sign out front is any indication, you would be welcome to move in, should you stop by and feel the sudden urge to "git Saved". And surely, such an attractive option is why the addition was needed. Here's a conundrum. Do all Southern Baptists live in mobile homes, or are all mobile home dwellers Southern Baptists? Above is the parsonage for the "DOUBLE PORTION CHURCH COLUMBUS MS; ELDER OLDEN JONES PASTOR" (and bus driver). Does this mean you have to bring TWO 'covered dishes' every Sunday? Since the Baptists defrocked all their female pastors, Ms. Eldon Olden Jones was forced to change her affiliation. For Baptists, it's "Good Faith, not Good Works" that is guaranteed to open those Pearly Gates. Hence, they know that the lawn edging around this little tree will install itself properly with sufficient prayer and faith in the Holy Ghost. To see how much progress was made in a year, click on the picture. Is this what they mean by "Holy Rollers"? Ahh! what better structure to build a church than a mobile home? This pastor can just pick up the underskirt and go wherever and whenever Jesus says. It's sure to go down in architectural history along with the great cathedrals of France. But then, Notre Dame doesn't have a Trans-Camaro! (no, the car is not planted) Because so few have experienced the joy of living in a Great Mobile Home, the 4 Seasons motel offers a fabulous opportunity. You can meet others who share your passion in the free communal jaccuzi. Social tip: Be sure you are up to date on Nascar. It's a sure-fire way to win friends. Sometimes, when in the presence of the work of a great artist, one gets tingly all over! Here the thoughtful placement of 'found objects' such as matched grocery carts, yard appliances and an exercise machine evokes that majestic sensation. Vandals and thieves take heed! There are five dogs chained up in strategic places, along with 25 cats who amazingly, all looked exactly alike! The camera couldn't capture the love of animals that permeated the atmosphere. Truly, this home has earned the title, a Great Mobile Home of Mississippi. If you want to totally immerse yourself in the mobile home culture and get saved in the process (from looking too good), we suggest you try a set of Dr. Bukk Fake Teef . You have probably seen the lousy imitations, our teef allow you to drink beer. Visit other Mobile Homes from other places... even funnier! 800-925-2855 706-855-0081 Hours: M-F 10-5:30 EST ©2005: Dr. Bukk, Inc. All Rights Reserved Dr. Bukk, Inc. 704 S. Old Belair Rd. Grovetown, GA 30813 Your gateway to random surfing ChangingLINKS.com

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