Park Model Living March 2008

US$4.99 CAN$5.99Also in this issue -

Tech TalkStaying Connected

Outer Banks

LivingPark Model

VOL. 2 NO. 3 MARCH 2008

The Searchfor

Insurance

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 stan-dard on all cottages. We also offer Cedar or Log siding on cabins.

With 75 acres and over 300,000 sq.ft. of manufactur-ing space Athens Park Homes has one of the finest production facilities in the country.

For the best in park model cottages and cabins call 800-738-0392 www.athensparkhomes.com

PO Box 1270 Athens, TX 75751

Park Models * Cabins * Lofts

LivingPark Model

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

Departments

VOL. 2 NO. 3 MARCH 2008

Features

Searching for InsuranceA guide to finding good, afforable insurance for your Park Model

Cover Story

13Staying

ConnectedHow to keep in touch when

“home” is a seasonal thing18

Tech Talk

The latest and greatest in consumer electronics

8

3 Park Model Living Magazine ParkModelLiving.com

We improve reader’s lives by providing ideas and information that maximizes their Park Model experience.

Publisher

Peter. F. [email protected]

editor-in-Chief

Ed [email protected]

features editor

Kaeth Gauthier [email protected]

Columnists

Bill Garpow, RPTIA [email protected]

staff Writers

Ryan W. [email protected]

Contributing Writers

Rick StrongPamela Lewis

[email protected]

ProduCtion manager

T. Mason Brown

advertising exeCutive

Ryan W. Patterson

Webmaster

Marie Rotondo

design Consultant

Cynthia Morris

interns

Carlie ShaughnessyAdministrative & Photography

E d i t o r ’ s C o r n E r E d i t o r i a l s t a f f

M i s s i o n s t a t E M E n tPark 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

Park Model Living Readers,

I am thrilled to be the Editor-in-Chief for Park Model Living Magazine for the next three issues!

My goal is to provide the most entertaining and interest-ing 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 free-dom 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 ex-pand 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.

I hope that you find the new feel of Park Model Living Magazine to your liking, and look forward to the next few issues.

Sincerely,

Ed BuchananEditor-in-Chief

Dear PMLM,I recently purchased a Park Mod-

el and love it. I found a great ven-dor 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. Ev-eryone 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?

GlennaAurora, OH

PMLM Editor,I think that it is my place to say

that your magazine fills a much-neglected 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

have even made my wife delay din-ner so that I can finish reading the article that I am currently on.

RogerDallas, TX

Park Model Living,I love your cooking articles!

Whenever I want something differ-ent, 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!

TaraSecaucus, 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-

ing in your RV? I’ve always heard that the best medicine for any cold is prevention.

StevenCharlotte, NC


l E t t E r s t o t h E E d i t o r

Have a question, a suggestion, or a comment?

We’d love to hear from you!

Contact us at:

Park Model Living MagazineLetters Dept.P.O. Box 13571Fairlawn, OH 443341-866-766-0564

Information: [email protected]

Suggestions or Letters to the Editor: [email protected]

Park Model Living Magazine ParkModelLiving.com 6

The Outer Banks of North Carolina are one of the mandatory destinations for travel-ers who wish to experience the best of what our geographically diverse country has to of-fer. 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 fa-miliar with the story of the Wright brothers and their 1903 flight that opened the aviation age. Historic Wright Brothers National Memo-rial 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

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-driv-en 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 ar-rived at our rental just ahead of me who said, “Boy, that was white knuckle driving!” Be wary of weather and wind reports, particularly

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 some-times 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 deserv-ing 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 Is-land 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

very small settlements. As you leave this clus-ter of homes and businesses, the road seems to enter a maritime wilderness Much of Hat-teras 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 ve-hicle. 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 bet-

ter than a 20 mile drive, are the towns of Avon, Buxton and Hatteras. Here the traveler will find supermarkets, service sta-tions, restaurants, a movie the-ater, 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 avail-able in a modest establishment. One aspect that I most appreci-ated 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 Is-land is the famous striped lighthouse. The tall-est 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 some-one 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 qui-et and starry. As the sun climbed the next day, the season morphed back to summer.

by Rick StrongPML Contributor

A beautiful sunset at Cape Hatteras

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OuterBeauty


Are you looking for peace and seren-ity; a place where you can escape from the cares of everyday life into a refuge of natural beauty? Yellow Jacket Camp-ground, 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 re-serve 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 relax-ing 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 lon-ger. Friends refer friends,” says Bibi.

Orginally, Bibi and Jan owned a building materials business in Sweden and fell in love with the state of Flor-ida after a visit in 1991. Ron-nie, a Florida native, also has a background in the building trade and an extensive knowledge of na-ture and the Florida landscape. Since January 1, 2001 these three have been the owners of the facility, carefully rebuild-ing and expanding what was originally an old RV hunting and fishing site pri-marily used in the summer, into a year-round facility with modern amenities.

All three have great respect for main-taining the natural environment of Yellow Jacket and understand what is needed to provide the necessary care of the facility while creating a modern in-frastructure.

Full hookup 50A and W/E 30A sites are available for large big rigs or a pull thru. Rustic and modern tent sites are

also available. Recent renovations in-clude a new laundry room lined in cy-press 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-

ily by taking advantage of free WiFi ser-vice 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 wir-ing 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 of-fering Park Models for sale. Currently, only one model is located on the prop-erty but they are hoping to expand in the near future.

Located less than one hour away in Ocala, the manufacturer works directly

with interested customers, helping them choose a model that will meet personal needs and tastes.

Boating, hunting, fishing, diving, hik-ing, 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 wa-ter. “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 Flor-ida Museum of Natural Histo-ry in Gainesville or the Sports Hall of Fame in Lake City. Orlando offers Disney World, Universal Studios, Busch Gar-dens, 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 gour-met 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 beauti-ful,” 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.

by Pamela LewisPML Contributor

P a r k P r o f i l E

The view of the Suwannee River from Yellow Jacket

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TechTalk

by Ed BuchananPML Editor-in-Chief

Photos Courtesy of BestBuy.com

People 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 in-cluded 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 direc-tion. Before long, you can have a system built that the local movie theater may want to borrow.


Sony Bravia 40” KDL-40XBR LCD TelevisionWelcome 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.

HIGH COST, HIGH VALUE

Technofile:Resolution – 1080pContrast Ratio – 2000:1HDMI Inputs – 3

Bose 3-2-1 2.1 Channel DVD Home Theater SystemWhen superior sound and com-pact size is your priority (and you have an endless budget), you are looking for the Bose name. The sound quality is amazing consid-ering 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 neces-sary kick to love your movies and television even more.

Technofile:Number of Speakers – 2Subwoofer – Yes

Sony Blu-Ray High Definition PlayerConnected via HDMI to your HD compatible television, this player will give you the high-est 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.

Technofile:Maximum Picture Quality – 1080pTheater Quality Sound – YesHDMI Output - Yes

LG 42” 720p LCD TelevisionA 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.

MIDDLE OF THE ROAD

Technofile:Resolution – 720pContrast Ratio – 10,000:1HDMI Inputs – 2

Panasonic 1200W 5.1 Channel Home Theater System with Up-convert DVDThis system is the pick of the lit-ter, so to speak. It is a 5.1 chan-nel 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:Number of Speakers – 5Subwoofer – YesDVD Player with Progressive Scan – Yes (upconvert)

Samsung DVD-R155 DVD Re-corderWho 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 record-ed shows or home movies. This model also includes the upcon-vert feature to improve the qual-ity of your existing movies.

Technofile:Maximum Picture Quality – 480pTheater Quality Sound – YesHDMI Output - Yes

Dynex 37” 720p LCD TelevisionExcellent 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.

GOOD EXPERIENCE, GREAT PRICE TAG

Technofile:Resolution – 720pContrast Ratio – 1500:1HDMI Inputs – 1

Samsung 1000w 5.1 Channel Home Theater System with DVD UpconvertA 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 sur-round 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:Number of Speakers – 5Subwoofer – YesDVD Player with Progressive Scan – Yes (upconvert)

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 in-side, 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!

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 Min-neapolis in 1957 and his brother continues to run Minneapolis Trailer Sales. When asked how they de-cided 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, experi-ence and information.

“Because we’re the largest dealership in Florida we usually have 25 Park Mod-els here at all times.

We have an extremely qualified sales staff who also handle custom or-ders,“ says Kornovich. Customers can walk through Park Models with differ-ent floor plans and decorating options. People who don’t like to shop on-line or from photos can simply say, “I want this one!”

The dealership started selling Char-iot Park Models in 1995 and has been the highest seller in the United States every year since 1995. The knowl-edgeable 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, exte-rior finishes and interior details. Their

background and training help the cus-tomer make the best decision.

“Our best sales tool is satisfied cus-tomers who send their friends and fam-ily to us,” says Kornovich. “Service after the sale is critically important to us and customers appreciate the fol-low-up. People return to us because of excellent service.” More than 85% of their sales come from referrals from

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 li-censed and titled as a recreation vehicle only in Florida. If you live in Florida,

the HUD model should definitely be consid-ered. 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 Chari-ot, which is ¾ of a mile from the Ocala loca-tion.

After you purchase your Park Model at Winter Haven, they

provide turn-key service in most ar-eas in Florida. This service includes obtaining building permits, delivery, set up, installation of heating system, steps and railings, skirting, tag and title work.

Kornovich and his dedicated sales team are ready to help you make an informed choice for your next Park Model purchase in Florida.


by Kaeth GauthierPML Features Editor

d E a l E r P r o f i l E

One of the many Chariot Eagle models available from Winter Haven RV

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Italian Sausage Stuffed Peppers with Roasted Red Potatoes

Makes four servings

What you will need:

• 4largegreenbellpeppers• 1½poundsweetItaliansausage,ground• 3-4poundsredpotatoes• 1garlicbulb• 1cupOrzo,dry• 128ouncecanDeiFratelliItalianSauce• 114ouncecantomato sauce• ½CupOliveOil• Water• Pam• 2TablespoonsBlack Pepper• 1TablespoonKosher Salt

(Note: You can substitute 3 Tablespoons of an all-purpose Italian seasoning for the fol-lowing ingredients. In fact, I recommend it.)

• 2teaspoonsOregano leaves• 2teaspoonsBasil

leaves• 1teaspoon Rosemary• 1teaspoonThyme• 1teaspoonSage• 1teaspoonparsley

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

is rather inexpensive. Now we can move on to the procedures.Pre-heat the oven to 375°. You will need an aluminum bak-

ing pan, about one inch deep for the best results. Coat the bot-tom 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 to-mato sauce. Coat the pota-toes 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 com-bine the Italian sausage, dry Orzo, less than ¼ cup of water and the remainder of your sea-sonings. 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!


Story & Photo by Ryan W. Patterson


Searching for


Certain 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.

by ed buChananPML Editor-in-ChiEf

In 2003, I learned the true val-ue 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 ma-jority 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 an-chored 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 insur-ance policy. Even as the muddy brown water reached the bottom step of the back porch, she reiter-ated 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 insur-ance 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 informa-tion 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

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

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 (televi-sions, appliances, clothing, etc.) that will be contained within it.

You will also need your perma-

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

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 In-


Okay, so insurance is not simply something you should have for your Park Model, it is more of a necessity. Just as countless fac-tors 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 Recre-ational 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

Finding the Best Policy

insure a Park Model in Florida. The American Modern Insurance Group will insure your Park Mod-

el, 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 insur-ance. They have developed something revolutionary in the manu-factured 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 warran-ties 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 wor-rying about insurance coverage. - Ryan W. Patterson, PML Staff Writer

Finding the Best Policy

surance, TwinPeaks Insurance, RVAmerica Insurance, and RVIS RV Insurance Solutions all spe-cialize in providing customized policies for your Park Model. Big companies like Progressive Insur-ance often have the option to in-

sure an RV and we ran a sample quote that you can read about in step three.

The above-mentioned compa-nies offer traditional customer service over the phone, in person through a local agent (call each in-dividual company for details), and

a fast quote option over the inter-net. If you have access, the online form is the quickest way to find and purchase your new insurance policy.

The online quote process is sim-ple once you have the necessary

information, and you can have an accurate summary of benefits and pricing in a matter of minutes.

STEP THREE: BUYING THE POLICY

We decided as part of this arti-

cle to run a quote comparison with Progressive. We chose the high-est possible coverage offered (To-tal 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 applica-tion, we were quoted $885 per year and Progressive provided us with a host of payment options that should easily serve different bud-gets 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 rec-ommend a company or agent that they prefer – and you may be able to get a group discount). Also, see if your homeowner’s insur-ance provider or the company that insures your vehicle will cover the Park Model, because you may be eligible for a multiple policy dis-count. Finally, it is important that you accurately report the amount of your personal property value.

Do your research and know what you are buying and the entire insurance purchase process will go unbelievably smooth.



U t i l i t y d r a w E r

Last month we explained the different types of severe weather that can strike across the U.S., as well as what you need to do when you encounter them. Thunderstorms and tornadoes can hit at any juncture while “hurricane season” lasts almost half of the year, from May through November. Park modelers spend the cruel winter months in places like Texas, Arizona and Southern California and they never for-get the reasons why they do this: the dreadful cold, snow, and ice. Winter weather is dangerous as well; however snowbirds have made the decision to stay away from it.

Everyone is familiar with the weather alerts that inter-rupt our favorite TV program. First there is a loud beep or buzz followed by text scroll-ing across the bottom of the television screen. AM/FM radio warnings can often be more annoying. The Emer-gency Broadcasting System cuts into the middle of your favorite song, talk show or commercial with that irritat-ing signal followed by infor-mation about a tornado or other weather formation that may or may not be anywhere near you.

The reason these interruptions intrude into our homes is of course to warn us and often we take them for granted. The National Weather Service forecasts local and regional weather for the entire country and bears the sole responsi-bility to issue warnings. “Americans live in the most severe weather-prone country on Earth,” the NWS website claims. “Each year, Americans cope with an average of 10,000 thun-derstorms, 5,000 floods, 1,000 tornadoes, and 6 deadly hurri-canes.” These NWS statistics are further proof why the alerts are so important.

Okay, so a weather alert has scrolled across your TV screen. You have read it and heard the significant information but you are not quite sure you understand what you just listened to. You must be able to distinguish the differences between a watch and a warning. When the NWS issues a storm watch, whether it is a thunderstorm, tornado or any other kind, that means the conditions in your area are the necessary condi-

tions for severe weather to form. It does not absolutely mean that this violent weather will

occur. On the other hand, if a warning has been issued, you now should consider taking precautionary measures to en-sure your safety and that of your family. A warning is only issued when the actual condition is spotted in your area. A tornado warning is given when tornadoes have been spotted on radar or have touched down.

A hurricane watch is issued when a major tropical storm approaches land. Once you hear the hurricane watch issued, stay tuned to your local news or NOAA weather radio for fur-ther information and instruction. The watch may or may not

turn into a warning. The hur-ricane warning occurs only when an actual hurricane is headed toward you.

High winds and tides should be expected within a day or so and you should evacuate immediately after you secure your dwelling and belongings.

These same watches and warnings hold true for all types of major weather events including flash floods, winter storms, intense heat or high winds. A watch means the conditions are right for the event to occur and a warning means the event has occurred

in your area. As technology improves, weather forecasters are better able

to pinpoint specific areas of catastrophic weather. Previously, the NWS issued warnings and watches based on geopolitical boundaries (i.e. counties). Since October 1, 2007, the NWS has implemented Storm-Based Warnings as they realize “the continuing need to improve the specificity and accuracy of warnings” for severe weather. These storm-based warnings show meteorological conditions more specifically. How does this happen? They are able to center on a definite threat area, not a general geopolitical boundary.

As time passes, the NWS will promote better warning displays on television and your computer. In addition, they are devoted to maintaining a partnership with the private sec-tor and will issue alerts through cellular devices, pagers and PDAs. Time and money are spent to keep the public safe.

by Ryan W. PattersonPML Staff Writer

A spectacular example of what a tornado can do to Park Models

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StayingConnected

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Thinking about spending the winter, or staying in a Park Model home for an extended period of time? Communica-tion options may be one of the most important aspects to explore before choosing your spot. After all, mobile connec-tivity is challenging under what some may consider to be the best of circumstances (the city), let alone on the road. How-ever, 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 con-nectivity 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

convenient solution to your situation. Most parks offer ac-cess 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 post-al 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 op-tion. Once again do your research and know in advance.

What about email?

by Pamela LewisPML Contributor


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 avail-able.

Computers rely on a hard-wired con-nection such as broadband or a wireless connection known as WiFi or Aircard in order to make the internet connec-tion. Aircards, available through many computer and mobile re-tailers, are a mobile broad-band option with a charge for the initial card instal-lation and a monthly fee from a cell phone provider. Connec-tivity is provided by the provider’s network and towers are still needed to pro-vide access through Air-cards.

WiFi is a communica-tion technol-ogy that uses radio waves and still needs a two-way connec-tion to work.

If WiFi is avail-able at your park, the park is known as a hotspot providing access to anyone that has WiFi capabilities. These capabili-ties 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 conve-nience 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

solution to cell tower coverage through a new line of phones that operate con-ventionally with tower coverage, but also have the technology built in to ac-cess WiFi. Contract details vary, but unlimited WiFi minutes may be avail-able 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 a v a i l - a b l e .

S o m e p a r k s may provide an area where you can connect to the internet through your computer or theirs using existing hard-wired stations. Many parks are provid-ing 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 wire-less solution that operates using blue

tooth or WiFi to connect to your com-puter without wires. The line of model 470 mobile printers may be battery operated and are lightweight, mak-ing them convenient for travel. Prices range from $249 to $349.

Satellite phones may provide a com-munication 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 com-

pany that is said to have the best coverage, for approxi-

mately $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 var-ies from com-pany to com-pany 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 ad-vances, many are mak-

ing great strides to provid-ed 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 technol-ogy 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 com-munications technology are coming our way.


M a n U f a C t U r E r P r o f i l E

Cavco, in Phoenix, Arizona, has more than 40 years experience in the building industry. Their products include Park Models, camping and residential cab-ins, manufactured homes and commer-cial 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 crafts-manship to create residen-tial 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 custom-ers. The Park Model series includes SunBurst, Sun-Burst Limited, Desert Rose, Catalina and Elite. From a bare-bones cabin to comfort-able elegance, Cavco meets your needs. There are more than 175 Park Model op-tions 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 Mod-els 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 theroof comes standard with 30-year archi-tectural shingles. The construction page on the website has a pull-apart design that shows structural details. Accord-ing to Gage, “We try to demonstrate how we build our cabins and Park Mod-els. It’s important for the buyer to see

what goes into our quality product. We believe that’s the best way to do busi-ness.”

Dual glaze, low-E vinyl windows are installed, as well as residential style ap-pliances and cabinetry. New options in-clude 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 Washing-ton, Oregon and Alaska.”

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 in-formed about their customers. “Quality and value” are the focus at Cavco where they build positive, long-term relation-ships 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-

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 acces-sories even include wall hangings and plants to complete the warm and invit-ing feel to your new home.

“Escape to a Cavco” is a great fea-ture on the website. You can select an area to rent a Park Model, and they di-rect 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 com-plete your purchase.

In addition to individual sales through dealers, Cavco supplies Park Models and cabins to campgrounds and RV parks for rental and re-sale. They are a preferred provider for KOA.

A new demand being met by Cavco is for hotel style units. These models are de-signed like a free-standing hotel room with a large bed-room and sitting area, as well as a porch. The mod-els 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 camp-grounds that want to offer hotel ame-nities. 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 en-sures clean fit, finish and functional sys-tems. Quality and value are the goal at Cavco where they stand firmly behind their products.

by Kaeth GauthierPML Features Editor

Rising

An Elite Model park home from Cavco Park Homes & Cabins

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Hunter’s Moon opens with Doc Ford paddling a canoe to one of the hundreds of small islands that intersperse the chain of bays along Florida’s Gulf Coast. Many islands hide compounds lo-cated to allow the rich and powerful a degree of protection and anonym-ity. White’s talent for creating sus-pense is equaled by the lush settings that he paints. His books are laced with locale and nautical lore but not in a manner that overwhelms. Rather, he uses life on the water, travel in various types of craft and the Florida coast to serve the sto-ries. The author’s years living near Sanibel and work as a charter cap-tain in the fishing trade provide an effortless authenticity.

Waiting for Ford on Ligar-to Island is Kal Wilson, a former president, who snared Ross into a scheme intended to root out the murderers of his saintly wife. Kal feels like a hostage to his Secret Ser-vice protectors who would never co-operate in the quest. Thrills unfold early in this book and the reader quickly learns of a special urgency as President Wilson has terminal leukemia. Ford’s first mission is to help the ex-president escape his smothering entourage.

White has attempted to make Wilson a unique ex-president. Wilson did not seek a second term, has called

the national news media cowardly and incompetent, and seems to have alienated fundamentalist fanatics who put a ransom on his head. After leaving office, he quietly worked in humanitarian causes with his wife at his side. She died in

flames when her plane was forced down in Central America. Wilson was expected to have been on the plane.

One of the antagonists is Praxcedes Lourdes, a serial killer who specializes in burning his vic-tims alive. Lourdes himself was disfigured in a fire as a teen that was intended to kill his parents. He has been hired to assassinate Wilson in exchange for surgeries that will give him a face and a new identity in In-donesia. He’s a sadistic terrorist that White fans have seen before.

The climax takes place in Central America with Wilson and Ford finding Lourdes, as Wilson ar-ranged a spontaneous appearance at a high profile political event. The end of the book pits Wilson and Ford against Lourdes as they all at-tempt to avoid the media swarming Wilson’s event.

This story is classified as a thriller but still carries White’s trademark style. The reader will like Doc Ford, find him an intrigu-

ing mix of nerd and machismo, and feel like a willing stow-away as the adventure unfolds.

l i b r a r y d o o r s

Huntingfor a

good book


by Rick StrongPML Contributor

Hunter’s Moon by Randy Wayne WhitePutnam 2007; $24.95 (Hardcover)

ISBN#: 9780399153709


t h E 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

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. Ship-ments 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 enthusi-astic 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 advan-tage of.”

Unlike manufactured homes, which are a form of low-cost, 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 win-dows and lofts as well as walnut, oak or maple cabinetry.

For photos, state-specific shipment statistics, dealer con-tacts 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:

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. © American Modern Insurance Group 200805636-200801

Riverstone™ Perfect Cottage © BRECKENRIDGEFINERLIVING.COM

Call for a free quote and to learn more: 800-604-6117

Smooth

RPTIA.com

◈ ANSI A119.5 Information

◈ Statistical Data on Recreational Park Trailers

◈ Information about laws & regulations that affect the Park Model/Recreational Park Trailer Industry

The Resource for:

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60 S. Maple St.Akron, OH 44303

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Staying Fit•

Elk Country Homes•

DON’T ALMOST GIVE. GIVE.DontAlmostGive.org

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.

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7x10.pdf 2/6/08 6:14:01 PM

*Deck, stairs and railing are built on site by others.

Hampton’s 39FK floor plan has a frontkitchen surrounded by panoramic baywindows. All Hampton floor plans offer 8' ceilings with 7' slide out ceilings.

Hampton’s 39FK floor plan has a frontkitchen surrounded by panoramic baywindows. All Hampton floor plans offer 8' ceilings with 7' slide out ceilings.

Tranquility’s 39FD floor plan comes complete with a large loft area over the bedroomand bathroom. This floor plan is also available in a non-lofted unit. Tranquility floorplans, including lofted models are all less than 13'6"’ in exterior height.

Tranquility’s 39FD floor plan comes complete with a large loft area over the bedroomand bathroom. This floor plan is also available in a non-lofted unit. Tranquility floorplans, including lofted models are all less than 13'6" in exterior height.

Park Model Living March 2008

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Transcript of Park Model Living March 2008