Boat insurance is an essential investment in order to protect yourself against costly repairs or financial liabilities arising out of unforeseen circumstances. Whether you own a personal watercraft, jet boat, sailboat, fishing boat, cabin cruiser, bass boat or house boat, you must purchase adequate insurance. However, with so many coverage options available, it can be quite difficult to make the decision.

Here are some of the common coverage options included in a boat insurance policy:

• Physical Damage Coverage: This includes damage caused to the boat, its engine, motor or other attached structures due to accidents or natural disasters.
• Bodily Injury Liability: In this, your insurance policy will pay for your as well as your fellow passengers’ medical bills in the event of an accident, regardless of who is at fault.
• Personal Liability: It provides coverage to another boat owner in case you are responsible for an accident on the water. Your policy will pay for the boat repair costs, medical care, lost wages and other financial losses incurred by the other party.
• Uninsured/Underinsured Bodily Injury: If you are involved in an accident due to the fault of an uninsured or underinsured boater, this coverage will pay for medical treatment, lost wages and other expenses incurred due to the accident.
• On-Water Towing: This is an additional coverage option that provides towing service in the event your boat breaks down in the middle of the sea due to a mechanical failure, insufficient fuel or an accident.
• Personal Effects Replacement: It provides coverage to your personal belongings stored on the boat such as clothes, electronic gadgets, water sports gear, boat hoists, lifts etc.
• Total Loss Replacement: This coverage comes into effect if your boat is completely damaged in an accident. The company will pay the cost to replace your boat, according to the current market value of the same make and model.
• Fuel Spill Liability and Wreckage Removal: It provides for the cost of cleaning up fuel and removing debris from the boat following an accident.

We, at Shawn Camp Insurance Agency, Inc., offer affordable boat insurance in Killeen, TX. Our agents will help you choose the most suitable insurance policy with extensive coverage and affordable premiums. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Riding a motorcycle without comprehensive insurance is not only risky but also illegal in many states. With the increased number of road accidents, insurance becomes a necessity to protect yourself against any sort of financial liability. However, you need not always spend a fortune to insure your motorcycle. Here are some of the tips that can help you help save on motorcycle insurance:

• Increase deductible: A deductible is the amount of money that you need to pay towards the insurance claim before the policy comes into effect. You can raise the deductible in order to reduce the premiums for motorcycle insurance. By increasing deductible by a few hundred dollars, you can save up to 30% on your total insurance cost.
• Avoid making frequent claims: To reduce your insurance rate, avoid filing claims for small and trivial damages. If you will make claims frequently for minor repairs, the insurance company is likely to charge a higher rate. Hence, you should try not to make more than one claim in a year. 
• Check for discounts: An insurance agency may offer discounts to motorcycle owners who use their bikes less often. It may also offer reduction in rates if your bike has some safety features installed or you have completed a driving course. By availing such discounts, you can easily save some money on your motorcycle insurance.
• Keep your driving record clean: To enjoy lower insurance rates, make sure you keep your driving records clean. A skilled driver may have to pay less for insurance as compared to one who is more susceptible to accidents. Avoid including any other driver with poor driving record to avoid paying hefty premiums. Having a teen rider in your policy can also make your insurance rates soar.
• Avoid paying coverage you do not need: You can skip the coverage that you do not need. For instance, if you are going to ride the motorcycle alone, you can avoid paying for guest passenger liability.
• Choose your motorcycle wisely: Certain sports models or high performance bikes are deemed risky by the insurance company. Therefore, you should choose your bike according to the premiums you are willing to pay. Make sure you do a thorough research before buying the bike.

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of motorcycle insurance policies in Killeen, TX. Our agents will help you select the most suitable policy according to your budget and coverage requirements. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542.

Buying car insurance for teenage drivers can be quite expensive. Due to the lack of sufficient driving experience, they are more likely to get into accidents. As a result, the premiums also tend to be higher for teen drivers. However, by keeping certain tips in mind, you can considerably mitigate the insurance costs. Some of these have been discussed below:

• Keep the driving record clean: Make sure your teenager strictly follows all the driving laws. This will help him avoid any traffic violations and thus, maintain a clean driving record. It will not only help to keep them safe on the road, but also lower the insurance costs. Accompany your teenager during his first few drives to help him understand his responsibilities while driving.
• Enroll in driving courses: An insurance agency may often discounts to teens who have attended certified driving courses. Check out the list of recognized schools to enroll your teen in an accredited course. This will greatly reduce your car insurance premiums.
• Parents should set a good example: It is crucial for the parents to set a good example in front of their children. You should diligently follow the traffic rules and drive within the set speed limit. Also, you should never drink and drive. Ensure that you do not indulge in any road rage so that your teen also behaves responsibly while being behind the wheels.
• Add your teen as additional driver in your policy: The best way to save on your car insurance is including your teen in your policy rather than purchasing a separate policy. This will help you make savings and entitle your teen to the same discounts as well as privileges applicable to you. 
• Get a safe car for your teen: You should make your teen drive a car that has all the latest safety equipment installed. You can further secure your vehicle by adding security features such as immobilizers, steering wheel locks, gear locks etc. This can also lower the premiums of your car insurance.

If you are looking for an affordable car insurance policy for your teenager in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We will provide you with a wide range of insurance options so you can choose the one that suits your requirements. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Owning a recreational vehicle allows you to go on memorable road trips with your family or friends, while enjoying most of the home-like comforts. However, it is important that you invest in proper insurance coverage to protect your RV from unexpected damages caused due to accidents or other incidents. Different types of RV insurance policies are available to insure motor homes, travel trailers, motor coaches, camper vans etc. Regardless of how frequently you use your RV, you must get adequate coverage to keep your investment protected.

Read on to know about the various coverage options for RV insurance:

• Bodily Injury Liability: This coverage protects you against the financial liability when you are responsible for an accident that caused injuries or death to someone. In such situations, your insurance policy will pay the costs of your legal defense, bail and bond as well as medical bills of the victim.
• Property Damage Liability: RV insurance also provides coverage in case your vehicle has caused damage to someone else’s property, including vehicles, garage doors, garden, light poles, fences etc.
• Collision Coverage: This includes damages caused to your recreational vehicle due to collision with another vehicle or a stationary object, such as a parked car, light pole etc. The coverage limit in such cases depends upon the actual cash value of the RV and the amount of deductible you choose to pay.
• Comprehensive Coverage: This coverage option protects your RV against damages caused due to an event other than a collision. This may include fire, theft, vandalism, flood, glass breakage, windstorm, hail, riots etc.
• Medical Payments: With this coverage, you can seek compensation for the medical bills, up to a certain limit, for the injuries caused due to an accident. The covered expenses may include first aid, surgery, recovery, rehabilitation and long term care.
• Uninsured/Underinsured Motorists: This coverage includes damages caused by a driver who is either not insured or does not have enough liability insurance. In such situations, the insured individual may file a claim for the costs of vehicle repair, treatment of injuries and other monetary losses.
• Replacement Cost Personal Effects: Under this, the insurance policy pays for your damaged or stolen personal belongings stored inside the RV. These may include your cell phones, binoculars, cameras, clothing, jewelry, VCRs, laptops, camcorders, outdoor gear etc.

We, at Shawn Camp Insurance Agency, Inc., provide affordable RV insurance in Killeen, TX. Our agents will evaluate our requirements and help you choose the most suitable policy with extensive coverage. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Recreational boating is an interesting activity for many people. However, it is also important to have a sound insurance plan for your boat. Whether you have a small boat or a luxurious yacht, getting an adequate coverage will help you stay protected against unexpected damages and financial liabilities. There are certain ways by which you can cut down on your boat insurance costs. Some of these have been discussed below:

• Avoid over-insuring: You should not pay for any such coverage that you do not require. Make sure you carefully analyze the type, features and usage of your boat to determine the coverage options that you actually need.
• Boater Education: It can be beneficial if you enroll yourself for boater education classes. It may help you to become eligible for certain discounts and offers on your insurance policy. So, boating safety education can be an asset in this case.
• Driving Record: A good driving record can also help you save money in boat insurance. With a clean track record, you are more likely to drive safely and file a claim for accidental damages to your boat. This can help to reduce your insurance premiums. 
• Type of Water: The type of water in which you will be using your boat also determines the cost of your insurance policy.  You may have to shell out less money for insurance if you sail your boat in fresh water. On the other hand, boat insurance costs will be higher for salt water usage.
• Inland Operations: Even inland operations require you to pay lower premiums. Therefore, you must give all the details to the insurance agency before finalizing the boat insurance policy.
• Storage Facility: A good storage facility for your boat can fetch you an insurance discount. So, you must try to store your boat in a safe and secure place to lower the risks of a theft.
• Combined Insurance: The insurance agency may also provide the facility of combining the boat insurance along with the homeowners and auto insurance policies. This helps in reducing the total amount of premiums that you need to pay. You must ask for any such provisions before signing the final document.

We, at Shawn Camp Insurance Agency, Inc., offer comprehensive boat insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Homeowners insurance provides protection against the financial liabilities that may incur in the event of unexpected damage to your home. However, the type of coverage provided by most insurance policies may differ. Some may include damage caused by natural disasters like flood, earthquake, theft, vandalism etc. while others may provide compensation for other types of perils.

Here are some of the common coverage options offered by a standard homeowners insurance policy:

• The structure of your house: This involves the cost of repairing or rebuilding the house following the damage caused due to natural incidents like fire, hurricane, lightning or other disasters covered by your policy. In most cases, homeowners insurance also provides coverage for the structures attached to your home, such as garage, storage shed, patio etc. Usually, these structures account for approximately 10 percent of the total insurance amount.
• Personal liability protection: The insurance policy provides liability coverage if someone get injured on your property. It also includes damage caused to someone’s property by you or your family members.  In such cases, the policy pays for the medical bills of the injured person as well as the cost of defending yourself in the court, in the event of a lawsuit.
• Personal belongings: Your homeowners insurance may not only cover your home, but also provide coverage for your personal belongings stored within it. These may include your clothes, jewelry, furniture, electronics etc. that are either damaged or stolen. Some polices also provide an off-premise coverage, i.e. your belongings are covered no matter even when they are somewhere out of the house. It is important that you have an estimate of the approximate value of your personal belongings to purchase a sufficient coverage.
• Additional living expenses: This covers the costs of living when your house has been damaged to the extent that makes it inhabitable. The homeowners insurance will pay for the expenses of your food, accommodation, transportation and other basic necessities of daily living till your house is rebuilt. Different insurance policies usually have a time or percent limitation in the coverage provided for additional living expenses.

We, at Shawn Camp Insurance Agency, Inc., provide comprehensive homeowners insurance in Killeen, TX. Our agents will help you understand the different coverage options and choose the most suitable policy according to your needs. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

If you are planning to buy motorcycle insurance, you might have come across several terminologies that seem difficult to understand. However, having a proper knowledge of these terms is important to ensure that you are getting the best deal. Here are some of the common motorcycle insurance jargons along with their simplified explanation:

• Agreed value: It is the amount that insurance company sanctions to insure your bike. The amount is based on the value of your motorcycle depending upon its make and model.
• Sum insured: It refers to the maximum amount that the insurance company will pay in case of the total loss. The sum insured is explicitly mentioned in the policy schedule. You must review the sum assured at each renewal of the policy.
• NCB or NCD: These abbreviations refer to No Claim Bonus or No Claim Discount. Their amount varies depending upon the period you had motorcycle insurance without making a claim.
• Endorsement: It refers to the changes in the terms of the policy.
• IPT: It is the Insurance Premium Tax that is levied by the government on all the insurance premiums.
• Policy Schedule: It mentions the details of the coverage offered under the insurance policy.
• Certificate: It is the document of proof that you have bought the motorcycle insurance. You may need to show the certificate to police when required.
• Excess: In case you need to make a claim, you may have to pay a small amount initially, which is known as excess. Paying excess is compulsory and you can choose how much you are willing to pay. The more you pay, the lesser will be the premium.
• Exclusion: A provision that explains what circumstances are not covered under the policy.
• Period of cover: The time period for which your bike is insured.
• Premium: The premium defines the monthly or annual amount that you pay for your motorcycle insurance. This depends upon the type of insurance you buy and the potential risk of damages or loss to your bike.
• Protected bonus: This is the extra amount paid to protect the no claim bonus so that if you make a claim, you are still able to keep your no claim bonus.
• Renewal: Renewal is the offer by the insurance company that allows you to renew the policy for another term. The renewal notice mentions all the details of the premium, amount of cover, excess value, agreed value, and so on.

We, at Shawn Camp Insurance Agency, Inc., can help you choose the most suitable motorcycle insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535.

Getting your motorcycle insured is necessary to mitigate the risks and costs that may occur in case of accidents or breakdowns. It is even mandated by the law and it is illegal to drive a motorcycle without a comprehensive insurance. However, it is necessary to choose the appropriate coverage to make sure you are fully protected from any unanticipated losses.

Following points will assist in choosing the right motorcycle insurance coverage:

• Liability Insurance: If you are responsible for causing any injury/harm to a third person or any property, then liability insurance will help to cover those damages. Some policies may also offer guest coverage which is meant for the pillion rider that may be present on your vehicle.
• Collision Coverage: In case of an accident, irrespective of who is at fault, the collision coverage will pay for the repair costs of your motorcycle.
• Comprehensive Package: This coverage option helps in protecting your motorcycle from non-accident related occurrences like theft, fire or vandalism.
• Uninsured or Underinsured Motorist Coverage: If the person who caused you injury is either uninsured or underinsured and cannot match the extent of your expenses, this policy will cover your damages. 
• Parts and Equipment: Normally if you have collision or comprehensive package, some part of equipment replacement is already covered. However, you can also opt for a separate coverage under which costlier parts will also be insured against damage. Make sure you ask your insurance agency about this.
• Road Side Assistance: In the event of an unexpected breakdown of your motorcycle, your vehicle will be towed to the nearest service station for repair. You should check if labor costs are included in this policy or not.
• Medical Bills Coverage: In case there is a need for any medical assistance after a collision, this coverage will help to pay the hospital bills, subject to the limit of your insurance policy
• Look for a Discount: Since there are many motorcycle insurance policies available, it is important to compare all of them and choose the one that offers best discounts and offers.
• Additional Benefits: You should also ask your insurance agency about any other benefits that they would offer on your motorcycle insurance.

We, at Shawn Camp Insurance Agency, Inc., provide comprehensive motorcycle insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Buying car insurance can be quite a challenge if you are not adroit in choosing the right coverage options. Due to lack of information and knowledge about the type of coverage required, car owners often find themselves in a fix when buying insurance. Here is a quick guide to help you buy a suitable car insurance policy:

• Choose the best insurance coverage: Every state requires minimum coverage, which is basic and mandatory; however, this basic coverage may not be sufficient to pay for the damages caused to the car when involved in an accident. This means you will end up paying more money out of your pocket. Make sure you have bodily injury coverage, property damage coverage, and other additional plans included in your car insurance.

• Additional coverage: Besides the basic coverage, you may require other available coverage types such as collision, comprehensive coverage, which protects your car against theft, vandalism, fire and other accidents that do not involve collision. You can combine these types of insurance or buy them separately.

• Gather the required information and documents: Before you buy car insurance, you need to have all the required information such as vehicle identification number (VIN), driver’s license number, address details and information about the lien holder.

• Review your driving record: The insurance providers will consider your driving record, so make sure you review your driving record. Inform your insurance agent about any points on your record or any suspensions that you received within the past year or within last three years. The insurance companies make driver’s assessment to determine if he is a potential risk or not.

• Get multiple quotes: To get the best deal, get quotes from multiple companies. Different companies offer different benefits, so you can easily make comparisons and choose a quote that best suits you.

• Understand the policy: It is crucial that you understand the policy before signing it. If, in case, you do not understand any clause, ask the insurance agent to explain it to you. Ensure that get everything that you expect before signing.

• Pay in full to save money: By paying the premium in lump sum, you can save a lot of money. This means you need not pay monthly payment charges.

• Avoid vehicle modifications: Although modifications increase the performance of your vehicle; however, they increase the insurance premiums. To keep the price of your insurance down, you should ask your insurance advisor on what type of modifications can affect your premium rates.

We, at Shawn Camp, Insurance Agency, Inc., provide comprehensive car insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Although the homeowner’s insurance provides coverage for the structural losses to the house, it does not include the tenants items stored inside the property. Therefore, having comprehensive renters’ insurance is extremely important to protect your personal belongings from any sort of damage. 

Here are some of the benefits that you can have by investing in a renters’ insurance policy: 

Protection From Theft: In case someone breaks into your home, the landlord will not be responsible for the damages. Renters’ insurance will help to recompense for the stolen items that have been listed in the policy and meet the coverage limits.    

Protection From Natural Disasters: Damage caused to your rental home due to natural disasters such as hailstorm, tornado, flood, wildfire etc. will be covered in the renter’s policy. However, the property owner cannot be held liable to pay for repair or compensate for any loss. 

Protection From Unnatural Fires: Homeowners insurance usually does not cover the damages caused due to the negligence of the tenants, such as electrical issues or short-circuit. In such cases, you will be responsible for the damage to the rental house as well as your own belongings. If you live in an apartment building and the fire spreads to your neighbor’s dwelling, you may also need to pay for their losses. 

Protection From Guest Injuries: When a guest suffers an injury in your home due to your negligence, you may be held liable for their medical bills, alost wages and other monetary losses. These may include incidents like falling on a loose step, slipping on a wet tile floor or being bitten by your pet. Renter’s liability insurance provides coverage for all such expenses in case your guest sues you to claim compensation for his sufferings. 

Protection From Self-Caused Damage: In most cases, landlords are not responsible for the unintentional losses incurred due to the tenant’s negligence. For instance, if you did not repair a broken window, which damaged the furniture during rain or ignored a leaky pipe which caused flooding in the house. Renters’ insurance will help to cover the costs of repairing or replacing the spoiled stuff listed in 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 or visit our insurance agency at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.