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EXHIBIT 31.2

SECTION 302 CERTIFICATION

I, Gary B. Horton, certify that:

I have reviewed this quarterly report on
Form 10-Q of AMERCO and U-Haul International, Inc.;

Based on my knowledge, this report does not
contain any untrue statement of a material fact or omit to state
a material fact necessary to make the statements made, in light
of the circumstances under which such statements were made, not
misleading with respect to the period covered by this report;

Based on my knowledge, the financial statements,
and other financial information included in this report, fairly
present in all material respects the financial condition,
results of operations and cash flows of the registrant as of,
and for, the periods presented in this report;

The registrants other certifying officer(s)
and I are responsible for establishing and maintaining
disclosure controls and procedures (as defined in Exchange Act
Rules 13a-15(e) and 15d-15(e)) for the registrant and have:

Designed such disclosure controls and procedures,
or caused such disclosure controls and procedures to be designed
under our supervision, to ensure that material information
relating to the registrant, including its consolidated
subsidiaries, is made known to us by others within those
entities, particularly during the period in which this report is
being prepared;

Evaluated the effectiveness of the
registrants disclosure controls and procedures and
presented in this report our conclusions about the effectiveness
of the disclosure controls and procedures, as of the end of the
period covered by this report based on such evaluation; and

Disclosed in this report any change in the
registrants internal control over financial reporting that
occurred during the registrants most recent fiscal quarter
(the registrants fourth fiscal quarter in the case of an
annual report) that has materially affected, or is reasonably
likely to materially affect, the registrants internal
control over financial reporting; and

The registrants other certifying officer(s)
and I have disclosed, based on our most recent evaluation of
internal controls over financial reporting, to the
registrants auditors and the audit committee of the
registrants board of directors (or persons performing the
equivalent functions):

All significant deficiencies and material
weaknesses in the design or operation of internal control over
financial reporting which are reasonably likely to adversely
affect the registrants ability to record, process,
summarize and report financial information; and

Any fraud, whether or not material, that involves
management or other employees who have a significant role in the
registrants internal control over financial reporting.



| |                                                                                      
| | -------------------------------------------------------------------------------------
| | /s/ GARY B. HORTON 
     _______________________________________ 
     Gary B. Horton
| | Treasurer of AMERCO and                                                              
| | Assistant Treasurer of                                                               
| | U-Haul International, Inc.                                                           

Date: September 9, 2003