Renters Insurance In Killeen: A Checklist For Tenants

by Administrator 20. January 2016 10:08

If you live in a rental property in Killeen, you need to protect your belongings with a renters insurance policy. Your landlord’s insurance policy is for the protection of the home and does not offer any financial coverage for your possessions. Therefore, get in touch with an insurance agent to get renters insurance for:

  • Personal possessions
  • Liability protection
  • Additional living expenses

Following is a checklist that can help you choose the right insurance policy:

  • Coverage Required: You need to have enough insurance that can provide coverage for most of your personal possessions in case of a theft, fire or any other disaster. Create a detailed list of all the items that you have in the house and write down their estimated value. This will help to determine how much insurance you require.
  • Disasters Included In Policy: Renters insurance will provide protection for any loss caused by fire, theft, sabotage, lightning, windstorm and water damage. Most renters insurance policies do not provide protection in case of a flood or earthquake. So, make sure you discuss your requirements with your insurance agent.
  • Liability Protection: It provides coverage against lawsuits in instances of bodily injury or damage done to the property by you, your family members or pets. You will get financial support for defending yourself in the court as well as paying for the damages as ordered by the court verdict. See whether your policy provides sufficient liability coverage.
  • Coverage Provided For Damage Caused By Disaster: If a situation arises where your home in Killeen is completely damaged due to a disaster and you are required to stay somewhere else, renters insurance provides you compensation for Additional Living Expenses (ALE). All your hotel expenses, restaurant meal bills, temporary rental expenses and all other costs incurred while your home is being re-built are covered in ALE. However, there is a certain upper limit in this coverage and it may differ from one insurance provider to the other.
  • Coverage Provide During Vacation: Renters insurance policies also provide coverage for your possessions if they are damaged outside the house. For example: your belongings could be stolen from your car when you are out on a vacation. Some companies set a limit on the off-premises coverage and provide only a certain percentage of the amount of your personal possessions insurance.
  • Discounts Available: You can ask for discounts on renters insurance if you have installed a security system, smoke detectors or other safety features in your home. You can also consider bundling your policies to be eligible for discounts.

We, at Shawn Camp Insurance Agency, Inc., offer affordable renters insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535.

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Ways To Save Money On Boat Insurance In Killeen, TX

by Administrator 13. January 2016 06:48

If you own a boat and are fond of hitting the ocean for fishing or just a splash, make this experience a pleasurable one by investing in a good insurance policy that protects you as well as your boat. No matter what the size of your boat is, protection against financial and accidental damages must be your priority. There are many agents in Killeen, Texas who provide watercraft insurance but before you make the purchase, take care of the following points:

  • Don’t be over insured: Read the policy document carefully and understand what all is covered. Your boat and its usage may not require some of the coverages and you can omit them to bring your monthly payouts down.
  • Multi policy benefits: If you already have an auto or homeowner’s insurance, check with the insurer if you could include boat insurance in it so you can avail a good discount. Usually when people bundle their insurance policies, the deal struck is beneficial.
  • Have a good driving record: If you are a good driver, you are less likely to file for claims, hence you may get good discounts and less monthly premiums. Have a good record and be cautious of violating boating rules.
  • Take proper training: If you are a trained boat driver, you may get better insurance deals as then the company may be assured that you will cause less damages. It is therefore wise to have a boat safety education proof so discounts come your way.
  • Type of use: If your boat will be used only for inland operations, you are more likely to get better discounts. The insurer may also ask in which oceans/areas you intend to sail your boat for use before determining the liability.
  • Buy some safety gear for boat: If the insurer sees that you already have a safety gear in place, you are likely to get more discounts. This gear is anyway useful for a safe boat ride and thus if you intend to buy it at a later date, do it before buying an insurance to avail better rates.
  • Compare policies: Killeen area is dotted with many service providers thus shopping around is a good way to save costs. Compare quotes of at least two or three on the basis of discounts, coverage etc. and then zero down on the best insurance agency.

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of boat insurance policies to the clients in Killeen, TX. For more information, you can call us at (254) 526 – 0535.

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Why Do You Need Renters Insurance In Killeen?

by Administrator 6. January 2016 13:48

If you are considering moving into a rented house in Killeen, make sure you also buy a renters insurance policy as it may help you in the long run. Many people think that in case of any ill happening, they will be covered under the landlord’s insurance policy but this is not true. Their policy covers the structure of the house and not your belongings inside it.

Following are some benefits of investing in a renter policy:

  • Protects your personal belongings: All the stuff in the house is covered under this policy and thus if there is any damage, you can claim it. You must evaluate all the causes of damage covered under a particular policy so you can estimate how safe you are in case of losses. Natural calamities like earthquake and floods are usually not included and if you live in an area prone to such disasters, buy a separate policy for such damages.
  • The landlord’s requirement: Some landlords insist that their tenants buy such a policy as it assures them that their property will be in safe hands. Sometimes the landlord’s insurers also ask for such a policy so some part of the damage claim can be transferred on to the renter’s policy.
  • It is not very costly: There are many insurance carriers in Texas, hence buying a renters policy may not be a costly hit on your pocket. Also, there are many things which can be deducted from the policy based on your needs, hence making renters insurance more economical.
  • Liability coverage: This means that if a guest is harmed at your property, the insurance will cover legal and medical expenses for him. This will safeguard you in case of any injury or unfortunate accident in your rented home.
  • Cover against all losses: You can also consider including travel time while covering various items. These items could also be inside your car and if damaged, they will be liable for claim. This protects you in case of theft etc. Check with your insurers about other such options before making a decision.
  • Additional living expenses: Some policies also cover the expenses that you may incur in case you need to stay outside the premises due to incidents like fire, break down etc. All the temporary expenses like food, hotel etc. will be part of the policy.

We, at Shawn Camp Insurance Agency, Inc. provide affordable renters insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535.

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