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| FAQs |
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| HEAVY-EQUIPMENT Lender |
| 1. What is an online application ? |
| An online application is simply a series of questions that you complete in order to request your Boat loan. |
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| 2. Will my information be secure and safe ? |
| Your data will remain confidential and secure while in transit over the internet. |
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| 3. Will my information be secure or is it shared with others ? |
| Yes with the advanced technology now available, your data will remain canfidential and secure in transit over the Internet. |
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| 4. Is it possible to be pre qualified for an amount before I start looking ? |
| Yes, you can be pre-approved before you even shop for an Boat, it is not necessary to have a signed contract to purchase. |
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| 5. How many loan institutions will see my loan request ? |
| Depending on your credit score, one major institution will be reviewing your application. |
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| 6. How much of a down payment do I need ? |
| Usually, you can finance up to 90% of the selling price of the Boat. The selling price can include extras that you are adding to the Boat at the time of purchase. |
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| 7. What is the best way for me to get started ? |
| #1 Find the value of the Boats you are interested in. #2 Calculate your monthly payments to see that you can afford them. #3 Fill out the application and return it thru e-mail or fax it to our office. #4 If accepted review your loan offer and close on your loan. |
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| 8. Are you going to sell or share my information later to anyone ?y |
| No, Under no circumstances will we sell or share any personal information about you to or with any person or organization, except to lenders in our network, or authorized agents, as may be required by law or court order. |
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| 9. Can I refinance my current Boat loan ? |
| Yes; We offer you a number of options to refinance. With interest rates still low and because your out of pocket cost is minimal, refinancing can save you thousands over the life of your loan. |
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| 10. What if my credit is not so good ? |
| We have several lenders who deal with thise types of loans. |
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| 11. How long of a term can I get ? |
| It depends on the amount you're financing and the age of the Boat. Most loans over $ 100,000 can be financed for as long as 20 years. Loans between $ 25,000 and $ 99,999 would have a maximum term of 15 years. |
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| 12. Can I obtain a loan for upgrading my existing Boat ? |
| If your current loan balance (or if you own the unit free & clear) plus 80% of the cost of the upgrade is $25,000 or greater, the answer is YES. However, the new loan can not exceed 80% of the current market value of your Boat. |
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| HEAVY-EQUIPMENT Insurance |
| 1. Are recreational vehicles covered under my homeowner policy? |
| Only if they are registered for the road and are used for the maintenance of the premises. You need to purchase specific insurance for recreational vehicles that are taken over the road whether they are registered or not. |
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| 2. Will my truck policy cover my travel trailer ? |
| Your auto policy will provide liability coverage while the travel trailer is attached or being towed. |
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| 3. Does my Motor Home Insurance cover Mexico ? |
| Only Other Than Collision coverage is provided for accidents that occur in Mexico less than 25 miles from the border on trips that are less than 10 day in length. You should purchase Mexican auto insurance to cover the days of travel in Mexico before traveling there. |
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| 4. Why do I need to buy Boat insurance? |
| Boat insurance policy covers claims that a regular auto insurance policy does not. It is like combining a house and an auto policy in one. |
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| 5. Is a motor home Insurance policy just like a regular auto policy |
| For basic coverage such as liability, Other Than Collision/Collision. But they offer specialized covrage's that the typical auto policy doesn't, like contents, awnings, tow dollies, roof a/c's etc. to name a few. |
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| 6. Why shouldn't I add coverage for my motor home to my auto policy ? |
| If your Boat was destroyed, you would have to file a claim with your auto carrier as well as your homeowners for your personal effects. In most cases that would mean two deductibles. With an Boat policy, you'll have one claim, one company, one deductilble. |
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| 7. What is personal property coverage on my Boat ? |
| This covers items that you take on board your Boat, such as housewares, tools, clothing and sporting equipment, etc. for their full replacement value. Although these items may be covered by your homeowners policy, typically only 10 % of your homeowners coverage extends to off-premise property. This is usually not enough to cover the items in your Boat. |
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| 8. When I add items such as awnings, satellite dish, etc. are they then covered by my motor home policy ? |
| Yes, motor home insurance covers these items automatically. |
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| 9. Is the vehicle I'm towing behind my motor home covered. |
| No, the towed vehicle would be covered under your personal auto policy. |
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| 10. What is Vacation Liability Coverage ? |
| This pays for bodily injury or property damage to others occuring at your vacation campsite. This coverage may vary between insurance companies. It would be best to check with your specific carrier. |
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| 11. What is emergency expense coverage ? |
| Reimburses you for expenses incurred following an accident or other covered loss. Pays for hotels and transportation if your coach is incapacitated. This can vary between companies, you should choose the dollar amount for maximum reimbursement. |
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| 12. What is Full Timers Coverage ? |
| Provides comprehensive personal liability, stored personal contents, and additional living expenses for those living full-time in their Boat. Check with your specific carrier for availability. |
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| HEAVY-EQUIPMENT Service Provider |
| 1. Should I run my generator under a load each month ? |
| Yes, it is recommended by the generator manufacturer's as fuel can become "gummy" and moisture can condensate in the oil system when the generator is not used for a long period of time. |
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| 2. How often should I service my Boats appliances ? |
| Once a year, as insects can create improper operation of all the LP appliances . This should be done even if your unit is stored. |
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| 3. Is it OK to walk on my roof ? |
Most models of Boat's are constructed to accommodate this, however most Lite models are not. NOTE: Special instructions are to be followed when accessing an Boat with a rubber roof.
Refer to your owners manual to make sure. |
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| 4. What advice do you have for preventing tire sidewalls from cracking ? |
| You should use a tire preservative and cover the tires with some form of tire shield this will help maximize tire life. |
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| 5. What advice do you have for a refrigerator that doesn't cool as well in the summer months. |
Make sure the refrigerator is turned down to at the thermostat during warmer weather. Also a thermostatically controlled cooling fan installed at the back of the unit is highly recommended, this will keep the air moving over the cooling coils.
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| 6. I can't get air to my inside daully tire what can I do ? |
| Install valve stem extensions, this will allow you to check pressure and add air conveniently. |
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| 7. Do Boat covers help prevent sun damage ? |
| They not only help prevent sun damage, they also prevent water damage while your Boat is in storage. They are however difficult to install, but their worth the effort. |
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| 8. How much weight/cargo may I carry ? |
| Take the GVWR (Gross Vehicle Weight Rating) Subtract your UVW (Unloaded Vehicle Weight) this will determine your cargo allowance. |
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| 9. Is it necessary to have a Weight Distribution System when towing ? |
| Depending on the tow rating of your tow vehicle. Keep in mind the normal undercar receiver is only rated at 5000# when you use a WDS that increases the capacity to 10,000#. You must be sure that your vehicle can pull the weight required even though the proper system is rated to do it. |
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| 10. Should I buy an Aluminum or Fiberglass constructedtravel trailer ? |
| There is an advantage to both the aluminum unit will be lighter weight, the fiberglass is more durable and certainly easier to repair when damaged. You'll find the fiberglass is also much easier to clean. |
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| 11. When should I have the wheels service on my 5th wheel or travel trailer ? |
| Every 10,000 miles or once a year. Haveyour wheels inspected completely and the bearing's repacked they will at that time determine any needed brake shoes, magnets, adjuster springs, etc. |
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| 12. I have a waste tank oder in my unit what can I do ? |
| First make sure the tank is completely empty and rinsed out well, then check the soil vent for blockage and then treat the toilet with proper chemicals as per the instructions. To prevent odor simply keep water in your toilet bowl. |
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| HEAVY-EQUIPMENT Dealership |
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| HEAVY-EQUIPMENT Rental Dealer |
| 1. Do I need a special driver's license to drive a motorhome? |
| No. However, you will need to be at least 25 years of age with a valid driver's license. |
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| 2. What kind of gas mileage does a motorhome get? |
| The mileage depends on the size of the unit and the dirving conditions. Usually, you will get between 8 and 14 miles per gallon. |
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| 3. What are the different classes of motorhomes? |
| There are four classes, but when renting there are really only two styles used. The class A is the bus style body unit with the panoramic windshield and the class C style has the van cut away body with the over hang. |
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| 4. Are we allowed to travel out of the U.S. ? |
| Most travel agencies limited you to the contiential US. However, some rental agengies require that you obtain additional insurance to travel to other countries outside the USA. |
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| 5. Are motorhomes difficult to hook-up? |
| No. Upon departure you are given a 30-60 minute walk through course to help familiarize you with the hook-ups and the overall operation of the unit while it is in your care, custody and control. |
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| 6. Does the motorhome come with a TV, VCR or stero? |
| Yes. Most of the units are equipped with a TV, VCR, stero AM/FM radio. Other will also include a CD and DVD player. |
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| 7. Is there a limit to how many people allowed to ride in a motorhome? |
| Yes. The law states that the number of seatbelts in a unit determines the number of people allowed to ride. Keep in mind the number of seatbelts vary according to the unit. |
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| 8. How many miles to the gallon will a motorhome get? |
| The miles per gallon will vary depending on the size, and type of unit; as well as the road conditions. |
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| 9. Are pets allowed in the motorhomes? |
| Yes. However, a pet deposit is required upon departure. |
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| 10. Is smoking allow in the motorhome. |
| No, absolutely not. All rental units are strictly non-smoking. Normally, there is a $1000 cleaning and deodorizing fee plus full repair fees for any burns or smoke damage. |
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| 11. Is the motorhome self-contained? |
| Yes. Motorhomes are fully self-constained with onboard generators to power the unit, complete kitchens, restrooms, and living area. |
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| 12. What is the cost to rent a motor home? |
| The cost to rent a motorhome vaires depending on the size of the motorhome, the desired dates of your rental, the number of people traveling, the destination and any additional special requests you might want to include. Normally, a Boat Rental Dealer is happy to prepare a rental quote to fit your needs. |
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| Heavy-Equipment Rent By Owner |
| 1. What types of Boat's can I rent? |
| All types of Boat's can be rented by owners. Class-A's, Class-C's, Class-B's, Travel Trailers, Pop-Up's and others depending on the needs of the rental agent you are renting through. |
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| 2. Can I use my unit when I want to? |
| In most cases you can, if it doesn't cause scheduling conflicts. If you schedule in advance to use your unit there usually is no problem. Just remember that if you are using your unit it can take away from possible income your unit can be generating. |
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| 3. How does the for rent by owner program work? |
| The income is split between the company and the owner. The split varies from company to company. Generally it is any where from 80/20 split to 50/50 split. |
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| 4. Does my insurance cover renting the unit? |
| Rental insurance is required to rent your unit. However once a rental policy is in place you insurance is no longer required. |
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