Park Model
Living VOL. 2
NO. 3
MARCH 2008
The Search
for
Insurance
Also in this issue -
Tech Talk Staying Connected Outer Banks
US$4.99 CAN$5.99
Athens Park Homes builds many floor plans and elevations and will even custom design for your sales center, resort or development.
Soaring ceilings and beautiful interior appointments make Athens Park Homes the most innovative manufacturer in the industry.
Athens Park Homes uses Fiber-Cement Siding by James Hardie with a 25 year warranty standard on all cottages. We also offer Cedar or Log siding on cabins.
For the best in park model cottages and cabins call
800-738-0392
With 75 acres and over 300,000 sq.ft. of manufacturing space Athens Park Homes has one of the finest production facilities in the country.
www.athensparkhomes.com PO Box 1270 Athens, TX 75751
Park Models * Cabins * Lofts
Park Model
Living VOL. 2
NO. 3
MARCH 2008
Features
Departments
Cover Story
Searching for Insurance A guide to finding good, afforable insurance for your Park Model
13
18
Staying Connected
How to keep in touch when “home� is a seasonal thing
Tech Talk The latest and greatest in consumer electronics
8
Notes from the Boss
3
Letters to the Editor
5
Destinations 6 - Outer Banks Park Profile 7 - Yellowjacket Campground Dealer Profile 11 - Winterhaven RV Notes from the Kitchen
12
Utility Drawer
17
Manufacturer Profile 20 - Cavco Park Homes & Cabins Library Doors
21
The Answer Guy
22
E
d i t o r
’
C
s
o r n e r
Park Model Living Readers, I am thrilled to be the Editor-in-Chief for Park Model Living Magazine for the next three issues!
E
d i t o r i a l
S
t a f f
Publisher
Peter. F. Gauthier Frank@parkmodelliving.com Editor-in-Chief
My goal is to provide the most entertaining and interesting content yet, while keeping in mind the concept and direction that the magazine was founded on. While the overall feel may be slightly different from what you are used to, I hope that you’ll agree that the magazine is more accessible and that the subject matter has more appeal than ever. The travel lifestyle is one that I have spent the past six months learning a great deal about. I respect the freedom that it provides, as well as the dedication that members of the travel community have for their chosen hobby. This issue contains several articles that are meant to expand your technological prowess. Whether you need to communicate with your family and friends back home, or want to enjoy an immersive movie experience inside your Park Model home, the information in these articles will certainly help you. Top it all off with a look into the world of insuring your investment, and we are helping you truly prepare for your Park Model experience.
Ed Buchanan Ed@parkmodelliving.com Features Editor
Kaeth Gauthier Kaeth@parkmodelliving.com Columnists
Bill Garpow, RPTIA ED AnswerGuy@parkmodelliving.com Staff Writers
Ryan W. Patterson Ryan@parkmodelliving.com Contributing Writers
Rick Strong Pamela Lewis info@parkmodelliving.com
Production Manager
T. Mason Brown Advertising Executive
Ryan W. Patterson
I hope that you find the new feel of Park Model Living Magazine to your liking, and look forward to the next few issues.
Webmaster
Marie Rotondo Design Consultant
Cynthia Morris
Sincerely,
Interns
Carlie Shaughnessy Administrative & Photography
Ed Buchanan Editor-in-Chief
M
i s s i o n
S
t a t eme n t
We improve reader’s lives by providing ideas and information that maximizes their Park Model experience. 3 Park Model Living Magazine
Park Model Living Magazine is an independently owned and produced magazine. The magazine, logos, & all original design copyrighted 2008, PML publishing, LLC. All logos, symbols, and aesthetic elements that are original and unique to this publication are the sole property of PML Publishing, LLC. Any unauthorized duplicaton is prohibited. Contact us at: Park Model Living Magazine, P.O. Box 13571, Fairlawn, OH 44334 or call us at 1-866-766-0564
ParkModelLiving.com
L e t t e r s t o t h e E d i t Dear PMLM, I recently purchased a Park Model and love it. I found a great vendor and the purchase experience went fine (the site is in a beautiful campground in Arizona!), but the thing that I had the most trouble with was finding insurance. Everyone I talked to said that they had a similar experience in dealing with that industry. Any ideas on places to get good (and affordable) insurance? Glenna Aurora, OH
PMLM Editor, I think that it is my place to say that your magazine fills a muchneglected niche in the RV market. Every time the issue shows up in my mailbox, I can’t wait to sit down in front of my fireplace and read through the entire thing. I
5 Park Model Living Magazine
o r
have even made my wife delay din- ing in your RV? I’ve always heard ner so that I can finish reading the that the best medicine for any cold article that I am currently on. is prevention. Roger Dallas, TX
Park Model Living, I love your cooking articles! Whenever I want something different, or something that I don’t seem to have a recipe for, I can always find it in your magazine. Keep up the good work! Tara Secaucus, NJ
Dear editor, It seems like you have a lot of good content, but what about an article about weather problems that you can encounter when liv-
Steven Charlotte, NC Have a question, a suggestion, or a comment? We’d love to hear from you! Contact us at: Park Model Living Magazine Letters Dept. P.O. Box 13571 Fairlawn, OH 44334 1-866-766-0564 Information: info@parkmodelliving.com Suggestions or Letters to the Editor: suggestions@parkmodelliving.com
ParkModelLiving.com
Outer Beauty PML Contributor
The Outer Banks of North Carolina are one of the mandatory destinations for travelers who wish to experience the best of what our geographically diverse country has to offer. This narrow band of sandy barrier islands offers a unique range of experiences. Whether your quest is fishing, beach time, shopping and dining, or something adventuresome like windsurfing, kayaking, or kite sailing, you will find it all on the Outer Banks. Perhaps most unique is that this maritime island experience is available by motor vehicle rather than jet or ferry. Most readers will be familiar with the story of the Wright brothers and their 1903 flight that opened the aviation age. Historic Wright Brothers National Memorial is located in Kill Devil Hills, a short distance from Kitty Hawk. The candy cane striped lighthouse at Cape Hatteras is a photogenic landmark. These attractions alone are worth the trip, but so much more awaits visitors along the 130-mile chain of islands. How about pristine beaches, world-class wind and water sports, and seafood dining where the catch of the day is a fact rather than a special? There is a thin ribbon of land separated from the mainland by wide expanses of water such as Albemarle Sound and Pamlico Sound. Maps show the islands shaped like an arm with Cape Hatteras at the elbow where the distance to the mainland across Pamlico Sound is approximately 30 miles. With the vast Atlantic Ocean stretching east, one feels truly transported to a unique environment, firmly planted on land but surrounded by the wild sea. Motor access from the north features an exit off of North Carolina State Route 158 to State Highway 12. A turn to the north will lead to the towns of Duck and Corolla, while heading south features Kitty Hawk and Nags Head. Duck and Corolla are quiet towns and the commercial offerings small in scale. The latter are laced with shopping areas including big box stores and outlet malls. Of course the amazing beaches and scenic areas of huge dunes are available, too. At the south end of Bodie Island is the 2.5 mile Herbert C. Bonner Bridge that Park Model Living Magazine
spans Oregon Inlet, the connection between the ocean and the more sheltered sounds. I crossed the bridge alone during a tropical storm with a kayak and two sailboards strapped to the roof of a Suburu. The sheets of wind-driven rain and huge waves seemed to blend into gray chaos as I forced my way across the span that seemed at times to be on rather than above the water. When I arrived at my destination in the town of Avon over 30 miles further south, I had to agree with a housemate who had arrived at our rental just ahead of me who said, “Boy, that was white knuckle driving!” Be wary of weather and wind reports, particularly
e s t i n a t i o n s
very small settlements. As you leave this cluster of homes and businesses, the road seems to enter a maritime wilderness Much of Hatteras Island is designated as part of the Cape Hatteras National Seashore. Beach driving is permitted in surprisingly vast areas at certain times, but the most recent regulations should be consulted. Surf fishing is often conducted near the comfort and amenities of a parked vehicle. Also seek advice as to precautions to take regarding vehicle types, tire inflation, and tidal periods. Observe all rules and courtesies and be aware that the rules vary from location and town. There is no beach driving allowed in the Pea Island Refuge. Further south, a little better than a 20 mile drive, are the towns of Avon, Buxton and Hatteras. Here the traveler will find supermarkets, service stations, restaurants, a movie theater, and shops galore. Lodging possibilities include camping, motels, and rentals of all ranges from rustic to luxurious. Stop in any of the small shops to ask for restaurant advice. The freshest and most exquisitely prepared seafood specialty may be available in a modest establishment. One aspect that I most appreciated while restaurant hopping in these towns, and for that matter all over the Outer Banks, is that informality is the norm. A must-see on Hatteras Island is the famous striped lighthouse. The tallest in the country, it is over 100 years old. It was moved in 1999 to prevent disaster from the encroaching seas. These islands are not coral based but are formed of sand. They move and change with the forces of natures, slowly with constant wave action and rapidly when slammed by a hurricane. The weather asserts itself on the Outer Banks. Be prepared to hunker down no matter the season. I awoke in a rented house one September night and wondered if someone was dismantling the house. It was just a nor’easter blow coming in. The buildings are constructed to withstand all but the fiercest hurricanes, but that doesn’t mean that things don’t bang and clatter. After the all day wind and rain, slickers and jackets, the moon rose over Pamlico Sound. The night was again quiet and starry. As the sun climbed the next day, the season morphed back to summer. PHOTO - R. Strong for Park Model Living
by Rick Strong
D
A beautiful sunset at Cape Hatteras
if you are hauling a trailer or driving a vehicle vulnerable to cross winds. The Pea Island National Wildlife Refuge lies between Oregon Inlet and the town of Rodanthe. Along this stretch, Highway 12 often affords a view of both the Sound and the Atlantic Ocean. Heavy wave action sometimes pushes portions of the oceanside dunes over the roadway, but the highway department is excellent at keeping the way clear. During times of especially heavy rain, be cautious of standing water, normally passable but deserving of respect and lower speeds. Be on the lookout for the Visitor Interpretation Center a few miles south of Oregon Inlet. Nicholas Sparks’ novel, Nights in Rodanthe, provided the small Hatteras Island town a degree of fame beyond the Outer Banks. The little villages of Waves and Salvo are close neighbors and offer camping, dining and equipment rental opportunities. These are
ParkModelLiving.com 6
P
a r k
P
r o f i l e
River
Gather at the PML Contributor
Are you looking for peace and serenity; a place where you can escape from the cares of everyday life into a refuge of natural beauty? Yellow Jacket Campground, located on the beautiful banks of the Suwannee River in Old Town, Florida, is 40 acres of paradise nestled in the midst of an extensive wildlife reserve and may be just the place for such an escape. “When our visitors leave they feel refreshed, recharged and rested; we have one of the most peaceful and relaxing facilities available,” says Bibi Oxendine, who partners with her husband Ronnie Oxendine and Jan Gjelset as owners of Yellow Jacket. “People come for one night, are surprised by the quality of the grounds, and stay longer. Friends refer friends,” says Bibi. Orginally, Bibi and Jan owned a building materials business in Sweden and fell in love with the state of Florida after a visit in 1991. Ronnie, a Florida native, also has a background in the building trade and an extensive knowledge of nature and the Florida landscape. Since January 1, 2001 these three have been the owners of the facility, carefully rebuilding and expanding what was originally an old RV hunting and fishing site primarily used in the summer, into a yearround facility with modern amenities. All three have great respect for maintaining the natural environment of Yellow Jacket and understand what is needed to provide the necessary care of the facility while creating a modern infrastructure. Full hookup 50A and W/E 30A sites are available for large big rigs or a pull thru. Rustic and modern tent sites are 7 Park Model Living Magazine
also available. Recent renovations include a new laundry room lined in cypress wood, a new shower house and bathroom facilities. Deluxe camping cottages with private baths, full kitchens, linens, plates, silverware and cooking utensils are available for rental. All sites are beautifully landscaped, secluded and offer camp tables and fire pits. An open air pavilion and club house is available for those who choose to socialize. Many sites have a direct view of the river. Stay connected with friends and fam-
with interested customers, helping them choose a model that will meet personal needs and tastes. Boating, hunting, fishing, diving, hiking, biking, bird and sunrise watching are all offered for recreation and relaxation. Year round swimming is available in the park, compliments of the heated pool. Boaters can bring their own or rent a boat to experience the river which can be easily accessed by the ramps and docks on 1300 feet of direct access. Located only two miles from Manatee Springs State Park, and surrounded by over 200 natural springs, the Suwannee constantly receives billions of gallons of fresh water. “Fresh water and fresh air provide a place where people can breathe,” says Bibi. Many nearby attractions often lure guests away from the grounds. Take a short drive and see the “Sponge Capital of the World” located in Tarpon Springs. Drive or boat to the Gulf of Mexico. Visit the Florida Museum of Natural History in Gainesville or the Sports Hall of Fame in Lake City. Orlando offers Disney World, Universal Studios, Busch Gardens, and Sea World. Or take a 10 minute drive and you will find yourself in town where you can feast on fresh seafood or other gourmet offerings at a local restaurant. “It’s 10 minutes from the rat race, but when people come here they feel like they are on an island, it is so quiet and so beautiful,” says Bibi. Even a local winery is available for those who wish to lift their spirits. If you are craving a taste of paradise and wish to visit Yellow Jacket for a short or long stay, make sure to plan ahead and call 352-542-8365 for reservations or visit www.yellowjacketcampground. com for more information. PHOTO - Courtesy of YellowJacketCampground.com
by Pamela Lewis
The view of the Suwannee River from Yellow Jacket
ily by taking advantage of free WiFi service or through the land line located at the office. Cable TV is available and over 20 stations can be viewed. Visitors who are planning a long stay may choose to have a phone installed on site and hard wiring is available for computers. Though cell phone use may be difficult, visitors have found that the Go Phone, available through retailers, works well. Recently Yellow Jacket has begun offering Park Models for sale. Currently, only one model is located on the property but they are hoping to expand in the near future. Located less than one hour away in Ocala, the manufacturer works directly
ParkModelLiving.com
Tech Talk by Ed Buchanan PML Editor-in-Chief
P
Photos Courtesy of BestBuy.com
eople enjoy the movies. The latest trend is to outfit your living room with high quality video and audio equipment to make your DVDs and CDs come to life before your eyes. With the options included here, you can do just that whether you are tricking out your freshly purchased Park Model home or improving a recreation room at your permanent home. The options provided here can send you in the right direction. Before long, you can have a system built that the local movie theater may want to borrow. Park Model Living Magazine
ParkModelLiving.com 8
HIGH COST, HIGH VALUE
Technofile: Number of Speakers – 2 Subwoofer – Yes
Sony Bravia 40” KDL-40XBR LCD Television Welcome to the show! The Sony 40” 1080p LCD television brings you into the movie, putting you right in the middle of your favorite car chase or comic scene. With a simple setup and low package weight (the television only weighs 58 lbs. without its stand), this is the perfect HD television. If space is a concern, this set can be mounted on the wall, and many stores offer professional installation. The last thing that you want is for your freshly purchased unit to fall off the wall. Leave it to the professionals and you will be amazed with the results. Technofile: Resolution – 1080p Contrast Ratio – 2000:1 HDMI Inputs – 3
Bose 3-2-1 2.1 Channel DVD Home Theater System When superior sound and compact size is your priority (and you have an endless budget), you are looking for the Bose name. The sound quality is amazing considering the tiny size of the speak-
ers, and you will truly enjoy the immersive experience that the speakers and subwoofer offer. While this is not a true surround system (5.1 systems start around $2000), it will give you the necessary kick to love your movies and television even more. Technofile: Maximum Picture Quality – 1080p Theater Quality Sound – Yes HDMI Output - Yes
Sony Blu-Ray High Definition Player Connected via HDMI to your HD compatible television, this player will give you the highest possible picture quality and theater sound. While the media themselves do cost more, a trip to
your local electronics store will prove the reason why. There has never been a better time to enjoy watching a movie in the comfort of your home (or Park Model) living room.
MIDDLE OF THE ROAD
Technofile: Number of Speakers – 5 Subwoofer – Yes DVD Player with Progressive Scan – Yes (upconvert)
LG 42” 720p LCD Television A great value! This 42” 720p LCD television gives you a great picture. When space is important, this television can be easily mounted on the wall to preserve space and put it at the perfect viewing angle. The image quality difference between this TV and the 1080p one in the high end section will only be noticed if you have a blu ray player.
Technofile: Resolution – 720p Contrast Ratio – 10,000:1 HDMI Inputs – 2 9 Park Model Living Magazine
Panasonic 1200W 5.1 Channel Home Theater System with Upconvert DVD This system is the pick of the litter, so to speak. It is a 5.1 channel system (meaning you get 5 speakers plus subwoofer, includes an upconvert DVD player (which
scales the quality of your normal movies up to look better on an HD TV), and sounds amazing. For the price, this is the system to look at when building your new system.
Technofile: Maximum Picture Quality – 480p Theater Quality Sound – Yes HDMI Output - Yes
Samsung DVD-R155 DVD Recorder Who needs a DVR when you can record your favorite shows to DVD-r and DVD-rw discs and take them with you wherever you go? Sure, the home theater included a DVD player, but this
one allows you to create mobile discs to easily transport recorded shows or home movies. This model also includes the upconvert feature to improve the quality of your existing movies.
ParkModelLiving.com
GOOD EXPERIENCE, GREAT PRICE TAG
Technofile: Number of Speakers – 5 Subwoofer – Yes DVD Player with Progressive Scan – Yes (upconvert)
Dynex 37” 720p LCD Television Excellent price and a great value! This set brings HD quality picture at a price that everyone can afford. The picture is good, and movies look great when using an upconvert player. Like the more expensive models, this can be easily mounted on a wall to maximize space.
Samsung 1000w 5.1 Channel Home Theater System with DVD Upconvert A 5.1 speaker system that brings a good amount of power at an affordable price. Whether you are new to the technology world or just looking for the basic surround sound experience, this set-
up will give you the bang without making you lay down the bucks. Like the Panasonic system, this one comes with an upconvert DVD player that will enhance your movie collection and make it look even better on your HD television.
Technofile: Resolution – 720p Contrast Ratio – 1500:1 HDMI Inputs – 1
Whatever home theater goals you have, it is important to look at a variety of options. One thing is certain: you can find most of these products at your local electronics store. Go inside, try them out, and pick out the one that suits you best. Once you decide on a system, hook it up, kick back on the couch with a bowl of popcorn, and enjoy the ride!
e a l e r
P
r o f i l e
by Kaeth Gauthier PML Features Editor
Winter Haven RV in Florida is the largest Chariot Park Model dealer in the country. From their locations, they cover central Florida from Naples to Saint Augustine. Owner Mark Kornovich was born into the recreational housing industry. His dad started the business in Minneapolis in 1957 and his brother continues to run Minneapolis Trailer Sales. When asked how they decided who moved to the warmer climate he said, “Well….I’m the oldest.” Winter Haven has operated in Florida since 1984. This dealership has an excellent reputation for customer service. From a large array of models on the lots, to top-notch service after the sale, they give they customer what they need – choices, experience and information. One of “Because we’re the largest dealership in Florida we usually have 25 Park Models here at all times. We have an extremely qualified sales staff who also handle custom orders,“ says Kornovich. Customers can walk through Park Models with different floor plans and decorating options. People who don’t like to shop on-line or from photos can simply say, “I want this one!” 11 Park Model Living Magazine
Haven
The dealership started selling Chariot Park Models in 1995 and has been the highest seller in the United States every year since 1995. The knowledgeable staff has a combined total of more than 90 years experience with recreational housing. The design/ sales team works with the customer to make decisions about floor plans, exterior finishes and interior details. Their
past customers. Winter Haven RV sells Chariot Eagle’s ANSI Park Models and HUD Park Models. The ANSI Park Model (under 400 square feet) is licensed and titled as a recreation vehicle. The HUD Park Model (over 400 square feet but not more than 500 square feet) is licensed and titled as a recreation vehicle only in Florida. If you live in Florida, the HUD model should definitely be considered. Chariot Eagle builds these models in 12, 13 or 14 ft widths which works for most RV spaces in Florida parks. The website for Winter Haven includes interior and exterior photos of ANSI and HUD models, as well as a detailed list of HUD specifications. They will schedule factory tours at Chariot, which is ¾ of a mile from the Ocala location. After you purchase the many Chariot Eagle models available from Winter Haven RV your Park Model at Winter Haven, they background and training help the cus- provide turn-key service in most artomer make the best decision. eas in Florida. This service includes “Our best sales tool is satisfied cus- obtaining building permits, delivery, tomers who send their friends and fam- set up, installation of heating system, ily to us,” says Kornovich. “Service steps and railings, skirting, tag and title after the sale is critically important to work. us and customers appreciate the folKornovich and his dedicated sales low-up. People return to us because team are ready to help you make an of excellent service.” More than 85% informed choice for your next Park of their sales come from referrals from Model purchase in Florida. PHOTO - Courtesy of WinterHavenRV.net
D
ParkModelLiving.com
N
o t e s
f r o m
t h e
K
i t c h e n
Story & Photo by Ryan W. Patterson
Italian Sausage Stuffed Peppers with Roasted Red Potatoes Makes four servings
What you will need: • • • • • • • • • • • •
4 large green bell peppers 1 ½ pound sweet Italian sausage, ground 3-4 pounds red potatoes 1 garlic bulb 1 cup Orzo, dry 1 28 ounce can Dei Fratelli Italian Sauce 1 14 ounce can tomato sauce ½ Cup Olive Oil Water Pam 2 Tablespoons Black Pepper 1 Tablespoon Kosher Salt
(Note: You can substitute 3 Tablespoons of an all-purpose Italian seasoning for the following ingredients. In fact, I recommend it.) • • • • • •
2 teaspoons Oregano leaves 2 teaspoons Basil leaves 1 teaspoon Rosemary 1 teaspoon Thyme 1 teaspoon Sage 1 teaspoon parsley
Before I start in with the procedures on this meal, I want to let everyone know a few things about the preparation. Aside from the cutting board and the knife, I used only two different pans in the kitchen: the mixing bowl and the baking pan. I worked in one spot in the kitchen and used only a portion of the cutting board. In fact, most of the dry goods and vegetables were sitting on one corner of the board as I was using another corner. This meal can be prepared simply in a small space. Although it takes a little bit of time in the oven, the overall cost Park Model Living Magazine
is rather inexpensive. Now we can move on to the procedures. Pre-heat the oven to 375°. You will need an aluminum baking pan, about one inch deep for the best results. Coat the bottom and the sides of this pan with Pam. Cover the bottom of the pan with the kosher salt to further eliminate any possibility of the peppers, potatoes and sauce sticking to the bottom. Add the can of tomato sauce and spread it evenly around the entire pan. Rinse the potatoes with cold water and cut each one into quarters. Arrange the quartered potatoes on the bottom of the baking pan. When you do this, leave four open spaces for the peppers to rest as they cook. Peel and then coarsely chop the garlic. Add the chopped garlic to the potatoes and tomato sauce. Coat the potatoes with the Olive Oil. Make sure the oil is applied liberally over the entire contents of the pan. Sprinkle about half of the black pepper and Italian seasoning atop the potatoes, oil and sauce. Rinse the green peppers with cold water then slice off the tops. Clean the seeds from the inside of the peppers and the stems from the tops. SAVE THE PEPPER TOPS! Set these aside. In a large mixing bowl combine the Italian sausage, dry Orzo, less than ¼ cup of water and the remainder of your seasonings. Mix well so the Orzo is spread throughout the sausage. Stuff each green pepper with ¼ of this mixture. Stand each pepper upright in the pan among the potatoes. Cap each one stuffed pepper with a pepper top. Cover the peppers and the potatoes with the entire can of Italian sauce. Bake at 375° for ninety minutes. After one hour, rotate the pan and add a little bit of water to the peppers. This will help the Orzo cook and make sure the sausage does not dry out. After ninety minutes, check that the potatoes are done by poking a fork into a couple of them. You will know they are done when the fork easily slides out. When you serve, cover the potatoes and the peppers with the red sauce from the baking pan and enjoy! ParkModelLiving.com 12
Searching for
13 Park Model Living Magazine
ParkModelLiving.com
C
by Ed Buchanan PML Editor-in-Chief
ertain things in this world are a sure thing. For instance, if you purchase a vehicle in the United States, you need to have insurance. In order to get approved for a mortgage to buy your dream home, you need insurance. With the cost of funerals climbing, your family would be very happy to learn that you had life insurance. Notice a trend? Purchasing a Park Model is not a “fly by night� decision for most people. Units cost money, and in order to get the most value we should actively protect our Park Model (and other recreational vehicles) with some form of insurance. With the increasing popularity of Park Models, there are increased opportunities to insure and maintain them. A preliminary search on the internet revealed hundreds of links that people can follow to find the insurance that they need and the piece of mind that comes with it. After all, in most cases that is the primary reason that someone pays insurance premiums. The entire industry is banking on the fact that you want to feel safe and secure in your vacation home and know that if something were to happen you would be covered.
Park Model Living Magazine
ParkModelLiving.com 14
In 2003, I learned the true value of insurance. It rained on my mother’s ranch home in a suburb of Cleveland for three straight days. Her land borders a local creek that often swells up over its banks, but this time there was something different. The water kept rising. It took over the majority of her yard and threatened to flow right through the back door. Local residents watched as fences succumbed to the power of the flood waters, and storage sheds anchored to the ground were moved to neighboring yards and wooded areas. As the water rose, the only thing that my mom worried about was the location of her flood insurance policy. Even as the muddy brown water reached the bottom step of the back porch, she reiterated to me that it was only a house and the insurance would cover any damages. The only thing she had to worry about, she said, was the deductible. Thankfully, the flood never got inside, but my mom’s calm during that proverbial storm represented a comfort that only her flood insurance could provide her. STEP ONE: WHAT YOU NEED BEFORE GETTING A QUOTE Like all products and services, it is essential to know what you are buying. In order to get the best rate quote possible, you will need to gather some common information that most companies want to know before they will give you a quote. First, you need the year, make, and model of the Park Model that 15 Park Model Living Magazine
you intend to buy or insure. Next, you need to know the full address and zip code of the site where it will be parked for six months or more of the year. Additionally, you need to know the value of your Park Model (most companies will
nent address and social security number to get the most accurate estimate. Once you have this information, you are ready to move to step two. STEP TWO: GETTING A
Finding the Okay, so insurance is not simply something you should have for your Park Model, it is more of a necessity. Just as countless factors contribute to your auto or home insurance policies, several variables are considered when companies write your Park Model insurance policy. You should keep all of these issues in mind as you make the decision to purchase an insurance policy. What do insurers of Park Models take into consideration when writing your policy? Yes the value, how much you paid for and/ or owe on it, as well as the value of your personal property are factored in to the policy. Rebecca Moore, manager at Recreational Resort Cottages (a dealer and insurer of Park Models) told me about a few items they consider when it comes to Park Model insurance. She said, “We write insurance based on use. What are you going to use your Park Model for?” She explains that people buy Park Models for different reasons. “People will use them as a vacation home, hunting cabin, rental property or office space,” she says. Depending on the use, a different kind of policy might be necessary. Now, not all insurance companies are the same and nor do they all want to know the explicit use of the Park Model. One detail that does remain consistent among all insurance companies is location. Many insurance companies restrict or will not even write policies in some states. It may be difficult, for example, to find insurance if you plan to set your Park Model in some counties in Texas. Other companies have no problem writing a policy for you in that state. One company admits they will not write a policy for anyone in the state of Florida. Furthermore, this company went on to say that it may be difficult, if not impossible, to find any company that will
not insure an RV or Park Model worth under $20,000), how many owners it has had (if you are not the first), and the combined value of your personal property (televisions, appliances, clothing, etc.) that will be contained within it. You will also need your perma-
QUOTE A simple search on the internet will reveal a host of companies that will be happy to give you a quote on insurance for your Park Model. Companies like Wayfarer InParkModelLiving.com
surance, TwinPeaks Insurance, RVAmerica Insurance, and RVIS RV Insurance Solutions all specialize in providing customized policies for your Park Model. Big companies like Progressive Insurance often have the option to in-
a fast quote option over the internet. If you have access, the online form is the quickest way to find and purchase your new insurance policy. The online quote process is simple once you have the necessary
Best Policy insure a Park Model in Florida. The American Modern Insurance Group will insure your Park Model, but they will do so as a mobile home. “It is actually a modified mobile home policy that is meant to fit the needs of a Park Model,” according to Dick Keith, who sells RV and manufactured home insurance for American Modern. They do this even though Park Models are classified and licensed as recreational vehicles and not manufactured or modular homes. American Modern will not insure such dwellings in the state of Florida. Do your research ahead of time. This way you can decide where you want your Park Model placed and what kind of insurance policy you want to purchase. American Modern, has shifted their direction in the field of insurance. They have developed something revolutionary in the manufactured home insurance business. Mr. Keith informed me that they soon will unveil a supplement to their manufactured home policy; something they call “Breakdown Endorsement.” A Breakdown Endorsement is like a home warranty but more broad. It will fill in gaps that are not generally covered by most home warranties such as your plasma-screen television, A/C and heating unit, electrical panel and anything else that is plugged in. Add this plan on to your current policy and, rather than purchasing individual warranties for each electrical appliance, this will cover them all. Talk with an American Modern agent to get the specifics on this plan. Spend plenty of time on research and phone calls during the initial stages of your search and save many headaches in the long run. The goal is to enjoy many days in your Park Model without worrying about insurance coverage. - Ryan W. Patterson, PML Staff Writer
sure an RV and we ran a sample quote that you can read about in step three. The above-mentioned companies offer traditional customer service over the phone, in person through a local agent (call each individual company for details), and Park Model Living Magazine
cle to run a quote comparison with Progressive. We chose the highest possible coverage offered (Total Loss Replacement/Purchase Price), a reasonable deductible ($500), and replacement cost of our personal effects of $10,000. The entire quote process took about ten minutes, as we had all the necessary information ready. According to our online application, we were quoted $885 per year and Progressive provided us with a host of payment options that should easily serve different budgets and financial situations. Most companies will offer a full payment option (that usually comes with a discount), half year and quarterly payment options (normally with a fee), and four consecutive monthly payments. OTHER THINGS YOU NEED TO KNOW
In addition to the numbers, there is other information that you should look over before purchasing insurance. Check with individual parks because many of them offer an insurance option (or can recommend a company or agent that they prefer – and you may be able to get a group discount). Also, see if your homeowner’s insurance provider or the company that insures your vehicle will cover the Park Model, because you may be information, and you can have an eligible for a multiple policy disaccurate summary of benefits and count. Finally, it is important that pricing in a matter of minutes. you accurately report the amount of your personal property value. STEP THREE: BUYING THE Do your research and know POLICY what you are buying and the entire insurance purchase process will go We decided as part of this arti- unbelievably smooth. ParkModelLiving.com 16
U
t i l i t y
D
r a w e r
Avoiding
OZ
tions for severe weather to form. PML Staff Writer It does not absolutely mean that this violent weather will occur. On the other hand, if a warning has been issued, you Last month we explained the different types of severe now should consider taking precautionary measures to enweather that can strike across the U.S., as well as what you need to do when you encounter them. Thunderstorms and sure your safety and that of your family. A warning is only tornadoes can hit at any juncture while “hurricane season” issued when the actual condition is spotted in your area. A lasts almost half of the year, from May through November. tornado warning is given when tornadoes have been spotted Park modelers spend the cruel winter months in places like on radar or have touched down. A hurricane watch is issued when a major tropical storm Texas, Arizona and Southern California and they never forapproaches land. Once you hear the hurricane watch issued, get the reasons why they do this: the dreadful cold, snow, and stay tuned to your local news or NOAA weather radio for furice. Winter weather is dangerous as well; however snowbirds ther information and instruction. The watch may or may not have made the decision to stay turn into a warning. The huraway from it. ricane warning occurs only Everyone is familiar with when an actual hurricane is the weather alerts that interheaded toward you. rupt our favorite TV program. High winds and tides First there is a loud beep or should be expected within buzz followed by text scrolla day or so and you should ing across the bottom of the evacuate immediately after television screen. AM/FM you secure your dwelling and radio warnings can often be belongings. more annoying. The EmerThese same watches and gency Broadcasting System warnings hold true for all cuts into the middle of your types of major weather events favorite song, talk show or including flash floods, winter commercial with that irritatstorms, intense heat or high ing signal followed by inforwinds. A watch means the mation about a tornado or conditions are right for the other weather formation that A spectacular example of what a tornado can do to Park Models event to occur and a warning may or may not be anywhere means the event has occurred near you. The reason these interruptions intrude into our homes is in your area. As technology improves, weather forecasters are better able of course to warn us and often we take them for granted. to pinpoint specific areas of catastrophic weather. Previously, The National Weather Service forecasts local and regional weather for the entire country and bears the sole responsi- the NWS issued warnings and watches based on geopolitical bility to issue warnings. “Americans live in the most severe boundaries (i.e. counties). Since October 1, 2007, the NWS weather-prone country on Earth,” the NWS website claims. has implemented Storm-Based Warnings as they realize “the “Each year, Americans cope with an average of 10,000 thun- continuing need to improve the specificity and accuracy of derstorms, 5,000 floods, 1,000 tornadoes, and 6 deadly hurri- warnings” for severe weather. These storm-based warnings canes.” These NWS statistics are further proof why the alerts show meteorological conditions more specifically. How does this happen? They are able to center on a definite threat area, are so important. Okay, so a weather alert has scrolled across your TV screen. not a general geopolitical boundary. As time passes, the NWS will promote better warning You have read it and heard the significant information but displays on television and your computer. In addition, they you are not quite sure you understand what you just listened to. You must be able to distinguish the differences between a are devoted to maintaining a partnership with the private secwatch and a warning. When the NWS issues a storm watch, tor and will issue alerts through cellular devices, pagers and whether it is a thunderstorm, tornado or any other kind, that PDAs. Time and money are spent to keep the public safe. means the conditions in your area are the necessary condiPHOTO - Courtesy of Fairmont Park Trailers
by Ryan W. Patterson
17 Park Model Living Magazine
ParkModelLiving.com
Staying Connected E-Mai l by Pamela Lewis PML Contributor
Thinking about spending the winter, or staying in a Park Model home for an extended period of time? Communication options may be one of the most important aspects to explore before choosing your spot. After all, mobile connectivity is challenging under what some may consider to be the best of circumstances (the city), let alone on the road. However, according to one source, your mobile phone works best on the highway because of the extended tower coverage. Tower coverage and connectivity is what it all comes down to. Even if one does own a cell phone, sometimes you simply have no coverage, and no coverage means no connectivity which means no communicating. That’s what all the “can you hear me now” commercials are about, better coverage. After all, there are some places that the cell phone simply won’t go. If an area has no tower coverage, that area has no service. Think of it as you holding one walkie-talkie, with no walkie-talkie on the receiving end. Once again, in order to communicate there must be connectivity. So what can you do to make certain that communication is possible during an extended stay? First of all, be practical. Even in this age of advancing technology, a park landline phone may offer you the most Park Model Living Magazine
Si gn al s
Let ter s
ss Pony Expre
Sm ok e
e n o Ph
i F i W
convenient solution to your situation. Most parks offer access to a phone, but their policies on usage vary. Some parks offer access for free, while others charge a fee. Some parks offer a service to have a private line installed for your stay. Some parks may accept a credit card or some phones may operate on phone cards. Be prepared and know the park policy in advance as well as what is available to guests. If your park does not offer a landline, perhaps you can do what one source does when he is fishing in a remote spot. Stop in to a local bar or other establishment, order a meal and ask if you can use the phone. Another practical solution to stay connected is the postal service. Though some laughingly refer to this service as “snail mail” and we are all aware that the age of hand written letters seems long past, this may be the best option. After all, who wouldn’t choose to open their mail box and find, in addition to the electric bill, that they have received a postcard or letter from a dear one saying “wish you were here.” Most parks receive mail and offer convenient mail pick-up services through an office located on the grounds. Some may supply postage for purchase. If this service is not offered through the park, a nearby town may be the best option. Once again do your research and know in advance. What about email? ParkModelLiving.com 18
In order to access email, one must use a device to view the email whether by cell phone or computer (or laptop) and connectivity is still needed in order to receive pictures of the emails that are viewed on the device. Connectivity to the internet by cell is dependent on tower coverage which may not be available. Computers rely on a hard-wired connection such as broadband or a wireless connection known as WiFi or Aircard in order to make the internet connection. Aircards, available through many computer and mobile retailers, are a mobile broadband option with a charge for the initial card installation and a monthly fee from a cell phone provider. Connectivity is provided by the provider’s network and towers are still needed to provide access through Aircards. WiFi is a c o m mu n i c a tion technology that uses radio waves and still needs a two-way connection to work. If WiFi is available at your park, the park is known as a hotspot providing access to anyone that has WiFi capabilities. These capabilities are installed in a computer either through a card placed inside or a transmitter plugged into a USB port on the outside. WiFi hotspots make internet access extremely convenient and will give you access anywhere within that hotspot. Most airports and coffee shops now provide WiFi access for the convenience of guests. Don’t know if you are geared for WiFi? Check with your local computer expert or make a call to the manufacturer. Currently TMobile is offering one 19 Park Model Living Magazine
solution to cell tower coverage through a new line of phones that operate conventionally with tower coverage, but also have the technology built in to access WiFi. Contract details vary, but unlimited WiFi minutes may be available for as little as a $9.95 charge each month. This technology is available in four types of phones ranging in price from $50 to over $300. Once again, parks vary on what is available.
S o m e parks may provide an area where you can connect to the internet through your computer or theirs using existing hardwired stations. Many parks are providing WiFi access to guests. Fees may apply for usage. If you need to print accessed emails while on the road or documents from your computer, HP is offering a wireless solution that operates using blue
tooth or WiFi to connect to your computer without wires. The line of model 470 mobile printers may be battery operated and are lightweight, making them convenient for travel. Prices range from $249 to $349. Satellite phones may provide a communication solution. Battery operated, these phones provide the same mobility as cell phones, but provide access from almost anywhere on the planet using satellite transmission with no roaming or long distance. Customers can purchase a demo phone through Iridium, a company that is said to have the best coverage, for approximately $1175 and a plan must be purchased in order to use the phone. Iridium offers rentals at $59.99 a week or $195.99 a month with a $1.99 per minute rate. Be wary of low cost satellite phone offers. Coverage varies from company to company and you often get what you pay for. One note to make is that parks are savvy to the needs of their guests and as technology advances, many are making great strides to provided communications solutions. According to one source, more parks are having towers built in order to provide better cell phone coverage and provide WiFi access to guests. Check with your park of choice to see what is provided for you and if you are disappointed in the current technology available, don’t despair. According to one source, we are less then five years away from accessing the internet anywhere in the world which means many more advances in communications technology are coming our way. ParkModelLiving.com
M
PML Features Editor
r o f i l e
g n i Ris
Cavco, in Phoenix, Arizona, has more than 40 years experience in the building industry. Their products include Park Models, camping and residential cabins, manufactured homes and commercial buildings. General Manager Tim Gage emphasizes, “We’re a large and very experienced company and offer many products for individuals as well as customers such as campgrounds and RV parks.” The company uses prime materials and fine craftsmanship to create residential style Park Models. They build to the ANSI 119.5 standards which gives the consumer confidence in the quality of construction. A broad selection of styles are available to Cavco customers. The Park Model series includes SunBurst, SunBurst Limited, Desert Rose, Catalina and Elite. From a bare-bones cabin to comfortable elegance, Cavco meets your needs. There are more than 175 Park Model options to choose from. Gage says, “We produce close to 300 floor plans in six price points. We like to work with large dealers and the most effective way we do that is to offer a wide price range and many options. For example, we build Park Models without lofts, with drop down lofts and regular height lofts.” Interior features include taped and textured walls and ceilings. Park Models are built with 2x4 sidewalls and OSB sheeting covered by cement board wrap. Lofts are available in 42”, 50”, and 59 ½”. Designed for long-term use the roof comes standard with 30-year architectural shingles. The construction page on the website has a pull-apart design that shows structural details. According to Gage, “We try to demonstrate how we build our cabins and Park Models. It’s important for the buyer to see Park Model Living Magazine
P
what goes into our quality product. We believe that’s the best way to do business.” Dual glaze, low-E vinyl windows are installed, as well as residential style appliances and cabinetry. New options include granite or quartz countertops, and hand rubbed hardwood cabinet doors. Gage tells us, “We’re starting to offer spray foam insulation to get a value of R-30. This is very desirable in colder climates for our customers in Washington, Oregon and Alaska.”
ize your Park Model with choices in flooring, window treatments, cabinets, appliances and finishes. Furniture is available as a package deal or you may choose individual items. Their accessories even include wall hangings and plants to complete the warm and inviting feel to your new home. “Escape to a Cavco” is a great feature on the website. You can select an area to rent a Park Model, and they direct you to a campground, RV park or rental community. This is a fabulous tool for people who want to try a Park Model before they purchase. Another helpful search function lets you find a dealer in your area to complete your purchase. In addition to individual sales through dealers, Cavco supplies Park Models and cabins to campgrounds and RV parks for rental and resale. They are a preferred provider for KOA. A new demand being met by Cavco is for hotel style units. These models are designed like a free-standing hotel room with a large bedroom and sitting area, as well as a porch. The models are available with two queen beds or one king bed. High end features include a limestone tiled shower with frameless shower doors and a rain shower head. A microwave, coffee maker and ironing board are included. Gage says, “We sell a lot of these at RV resorts and campgrounds that want to offer hotel amenities. People can still experience the features of a campground while having more luxurious accommodation.” Experience is often a great indicator of quality and Cavco’s key production personnel bring more than 90 years of combined experience to the table. A “28 stage” quality control system ensures clean fit, finish and functional systems. Quality and value are the goal at Cavco where they stand firmly behind their products. PHOTO - Courtesy of Cavco Park Homes & Cabins
by Kaeth Gauthier
a n u f a c t u r e r
An Elite Model park home from Cavco Park Homes & Cabins
A wheelchair friendly floor plan is available with extra wide (36”) interior doors, grab bars, lowered cabinets and electrical outlets along with a LASCO 60” transfer shower with seat. Cavco’s engineers and designers stay well informed about their customers. “Quality and value” are the focus at Cavco where they build positive, long-term relationships with customers. It’s easy to shop on the website by selecting a product line, floor plan and design options within each group. The photo gallery has interior and exterior views and gives you a list of standard features. Rustic and residential design choices are available. Cavco makes it easy to custom-
ParkModelLiving.com 20
L
i b r a r y
D
o o r s
Hunting for a
good book
by Rick Strong
the national news media cowardly and incompetent, and seems to have alienated fundamentalist fanatics who put a Hunter’s Moon opens with Doc Ford paddling a canoe to ransom on his head. After leaving office, he quietly worked one of the hundreds of small islands that intersperse the chain in humanitarian causes with his wife at his side. She died in of bays along Florida’s Gulf Coast. flames when her plane was forced Many islands hide compounds lodown in Central America. Wilson cated to allow the rich and powerful was expected to have been on the a degree of protection and anonymplane. ity. White’s talent for creating sus One of the antagonists is pense is equaled by the lush settings Praxcedes Lourdes, a serial killer that he paints. His books are laced who specializes in burning his vicwith locale and nautical lore but tims alive. Lourdes himself was not in a manner that overwhelms. disfigured in a fire as a teen that was Rather, he uses life on the water, intended to kill his parents. He has travel in various types of craft and been hired to assassinate Wilson in the Florida coast to serve the stoexchange for surgeries that will give ries. The author’s years living near him a face and a new identity in InSanibel and work as a charter capdonesia. He’s a sadistic terrorist tain in the fishing trade provide an that White fans have seen before. effortless authenticity. The climax takes place in Waiting for Ford on LigarCentral America with Wilson and to Island is Kal Wilson, a former Ford finding Lourdes, as Wilson arpresident, who snared Ross into ranged a spontaneous appearance a scheme intended to root out the at a high profile political event. The murderers of his saintly wife. Kal end of the book pits Wilson and feels like a hostage to his Secret SerFord against Lourdes as they all atvice protectors who would never cotempt to avoid the media swarming operate in the quest. Thrills unfold Wilson’s event. early in this book and the reader This story is classified as Hunter’s Moon by Randy Wayne White quickly learns of a special urgency a thriller but still carries White’s Putnam 2007; $24.95 (Hardcover) ISBN#: 9780399153709 as President Wilson has terminal trademark style. The reader will leukemia. Ford’s first mission is to like Doc Ford, find him an intriguhelp the ex-president escape his smothering entourage. ing mix of nerd and machismo, and feel like a willing stow White has attempted to make Wilson a unique ex- away as the adventure unfolds. president. Wilson did not seek a second term, has called PML Contributor
21 Park Model Living Magazine
ParkModelLiving.com
T
Park Model Living Magazine
A
n s w e r
G
u y
News & Notes on the Park Model Lifestyle & answers to your questions from RPTIA Executive Director W.R. “Bill� Garpow
Smooth Recreational park trailer shipments fell 12.9 percent in 2007, according to statistics compiled by the Recreational Park Trailer Industry Association (RPTIA). 2007 shipments from manufacturers to dealers totaled 8,837, compared to the industry’s all time record of 10,143 in 2006. Shipments were down in most regions of the country, although modest gains were reported in California, Arizona, Colorado and other Rocky Mountain states. Shipments to Canada also increased by 16.8 percent, from 1,077 to 1,258. Even though last year’s shipments paled in comparison to the 2006 figures, 2007 was still the fourth best year in the 25-year history of the park trailer business. The second strongest year for park trailer shipments was 2005 with 9,937 shipments, while 2004 came in third with 9,186 shipments. RPTIA member manufacturers, for their part, say that 2008 is getting off to a good start. “2008 is looking very good for us,� said RPTIA President Curt Yoder, who is also vice president of Kropf Industries Inc. in Goshen, Ind. “We’re at the same pace we were last year at this time and last year was one of the best years our company has ever had.� Tim Howard, founder and president of the Breckenridge Div. of Damon Corp., a Thor company in Nappanee, Ind., is also optimistic about his company’s sales prospects this year. “The early RV shows to date have not been bad,� he said. “In fact, if I were to define it, I would say that retail attendance at most of the shows seems to be on par with last year and actual sales are as good, or better, than last year.� Howard added that consumers seem to be more enthusiastic than dealers, who have cut back on their stock orders in anticipation of continuing weakness in the economy. “If dealers aren’t careful,� Howard said, “they could wake up to a pretty good year that they’re not equipped to take advantage of.�
h e
Unlike manufactured homes, which are a form of lowcost, permanent housing, recreational park trailers are 400-square foot movable resort cottages that are designed exclusively for part-time recreational use. Typically upscale in appearance, they often include hardwood floors, bay windows and lofts as well as walnut, oak or maple cabinetry. For photos, state-specific shipment statistics, dealer contacts and other information on the recreational park trailer business, please visit www.RPTIA.com.
When you head to your favorite vacation spot for an extended stay, you need insurance similar to a homeowners policy. Our Park Model program protects you with: t t t t t
$PNQSFIFOTJWF EXFMMJOH DPWFSBHF 4UBUFE WBMVF TFUUMFNFOU GPS UPUBM MPTT VQHSBEF FWBMVBUJPO UP SFQMBDFNFOU DPTU 1FSTPOBM MJBCJMJUZ 0DDBTJPOBM SFOUBMT PG ZPVS IPNF (PMG DBSU DPWFSBHF PO UIF TBNF QPMJDZ
Call for a free quote and to learn more: 800-604-6117 Coverages underwritten by companies of American Modern Insurance Group, including American Modern Home Insurance Company. For a complete listing of coverages, exclusions, conditions and limitations, please consult your policy. Program availability and coverages may vary by state. Š American Modern Insurance Group 2008 05636-200801
Riverstone™ Perfect Cottage
#SFDLFOSJEHF t BRECKENRIDGEFINERLIVING.COM
Š
ParkModelLiving.com 22
The Resource for: ◈ ANSI A119.5 Information ◈ Statistical Data on Recreational Park Trailers ◈ Information about laws & regulations that affect the Park Model/Recreational Park Trailer Industry
RPTIA.com
NoMinimumPrinting com
25¢
COLOR COPIES
are only the beginning...
No Minimum Printing featuring
60 S. Maple St. Akron, OH 44303 330-294-0234 www.NoMinimumPrinting.com
C
o m i n g
N
e x t
I
s s ue
Landscaping Your Park Model • Activity Directors Tell All
• Staying Fit
• Elk Country Homes and much more...
Subscribe to
Park Model
Living MAGAZINE
Send your name & address, along with a check or money order for your subscription to: Park Model Living Magazine Subscription Dept. P.O. Box 13571 Fairlawn, OH 44334
Or
Subscribe online at: www.ParkModelLiving.com
Subscriptions are $19.76 for a one-year subscription or $34.58 for a two-year subscription.
This is Sarah Watkins. A lot of people almost helped her. One almost cooked for her. Another almost drove her to the doctor. Still another almost stopped by to say hello. They almost gave of themselves. But almost giving is the same as not giving at all.
DON’T ALMOST GIVE. GIVE. DontAlmostGive.org
Hampton’s 39FK floor plan has a front kitchen surrounded by panoramic bay windows. All Hampton floor plans offer 8' ceilings with 7' slide out ceilings.
*Deck, stairs and railing are built on site by others.
Tranquility’s 39FD floor plan comes complete with a large loft area over the bedroom and bathroom. This floor plan is also available in a non-lofted unit. Tranquility floor plans, including lofted models are all less than 13'6" 13'6"’in inexterior exteriorheight. height.