Coverage Options in Homeowners Insurance

by Administrator 25. August 2023 10:45

Homeowners insurance provides financial security by covering repair and replacement costs for your home and belongings in the event of damage caused by specific risks like fire or theft. Choosing homeowners insurance in Killeen is a wise decision to safeguard your investment. It encompasses protection for your residence and its contents, deals with legal responsibilities for injuries on your property, and provides relief for unforeseen situations. At Shawn Camp Insurance Agency, we aim to simplify the process of safeguarding your home, allowing you to concentrate on creating a stable future.

Following are the usual coverage options provided by homeowner’s insurance:

  • Dwelling: Dwelling coverage is like a safety net for your home; it takes care of your house if it gets damaged. If something like a fire or a storm damages your home, this coverage comes to the rescue. It is there to help you financially by paying for the repairs needed to fix your home.
  • Personal Property: Personal property refers to the items that make your house a home—furniture, appliances, electronics, and more. Situations like storms, accidents, and thefts can damage or destroy your cherished possessions, and this is where personal property coverage steps in as a reassuring shield. It helps cover the expenses to repair or replace your personal property.
  • Other Structures: In addition to your main dwelling, there might be other structures on your property, such as a garage or shed. These auxiliary structures are covered under the "other structures" category of your homeowner’s insurance. If these additional parts of your property face damage due to covered incidents, the insurance helps cover the costs of repairing or rebuilding them.
  • Loss of Use: When your home undergoes significant damage, making it uninhabitable during repairs, loss of use coverage becomes crucial. This coverage steps in to help alleviate the added burden by covering extra living costs. These costs can include expenses related to finding temporary accommodations, such as renting a hotel room or a temporary rental property.
  • Personal Liability: Personal liability coverage is helpful in situations where someone sustains an injury while on your property, and the responsibility falls on you. If an incident occurs and legal action is taken against you, this coverage steps in to cover the associated legal costs.
  • Medical Payments: Medical payment coverage is important.. It helps pay the medical bills if someone gets hurt on your property, regardless of whose fault it is. Even if an accident happens away from your house like if your dog bites someone in the neighborhood, this coverage can help with medical expenses. 
Homeowner's insurance offers a shield of financial protection for your cherished abode and the possessions that make it uniquely yours. From property damage to liability coverage, each facet of this insurance ensures that your home remains a secure haven. Shawn Camp Insurance Agency offers tailored protection to suit your insurance requirements.

To know more about homeowners insurance coverage options at Shawn Camp Insurance Agency, you can visit us at 2707 East Hwy 190, Copperas Cove, TX 76522, or call (800) 212-2641. Explore our comprehensive services at www.shawncampinsurance.com and stay updated by connecting with us on our Facebook page. 

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Understanding Liability Coverage in Your Home Insurance Policy

by Administrator 26. March 2023 06:11

Home insurance is an important investment for homeowners as it provides financial protection in case of unexpected events/damages. When it comes to home insurance, liability coverage is an important component that every homeowner should understand. Liability coverage protects you in the event that someone is injured on your property or if you or a family member cause damage to someone else's property. 

Let us explore what liability coverage is, what it covers, and why it is important:

What is Liability Coverage in Home Insurance?

Liability coverage is a type of insurance that protects you from financial losses that may result from injuries or damages that occur on your property. If someone is injured on your property or if you or a family member causes damage to someone else's property, your liability coverage can help cover the cost of legal fees, medical bills, and other expenses.

What Does Liability Coverage Cover?

Liability coverage typically covers a variety of situations, including:

  • Bodily Injury: If someone is injured on your property, your liability coverage can help cover medical expenses, lost wages, and other costs associated with the injury.
  • Property Damage: If you or a family member causes damage to someone else's property, your liability coverage can help cover the cost of repairs or replacement.
  • Legal Fees: If you are sued as a result of an injury or property damage, your liability coverage can help cover the cost of legal fees, including attorney fees and court costs.

It is important to note that liability coverage does not cover intentional acts, such as if you or a family member intentionally cause harm to someone or their property.

Why is Liability Coverage Important?

Liability coverage is important because without it, you could be held personally responsible for the cost of any injuries or damages that occur on your property. Additionally, liability coverage can provide you with peace of mind knowing that you are protected in the event of an accident. With the right amount of liability coverage, you can feel confident that you and your family are protected from financial losses that may result from an accident on your property.

How Much Liability Coverage Should You Have?

The amount of liability coverage you need will depend on several factors, including the value of your assets and the potential risks associated with your property. It is important to speak with your insurance agent to determine how much liability coverage is appropriate for your situation.

Liability coverage is an important component of your home insurance policy that can protect you in the event of an accident on your property. By understanding what liability coverage is, what it covers, and why it is important, you can make informed decisions about your home insurance policy and feel confident that you and your family are protected from financial losses. To know more about liability coverage, visit Shawn Camp Insurance, Inc. at 2707 East Hwy 190 Copperas Cove, Texas 76522, or call at 254-547-2381. 


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Why Is Insurance Important?

by Administrator 20. January 2022 09:00

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Know Your Insurance Coverage

by Administrator 28. May 2021 09:17

Insurance coverage refers to insurance services offered for covering an amount of risk or liability. The right type of insurance coverage for an entity or individual depends on his budget and personal requirements like lifestyle, age, value of possessions, etc. In exchange of the insurance services, the insured pays an amount known as premium to the insurance company; the higher the risk, the higher the amount of premium charged and vice-versa.

In order to choose the right insurance coverage, it is important to understand different types of coverage and what they entail. Following are some important points regarding insurance coverage:

  • Home Insurance: This coverage takes care of the house, its possessions, legal liabilities due to anyone getting injured within the premises and financial losses due to unexpected events like fires, theft, storms, etc. The types of home insurance coverage include dwelling, personal property, other structures (storage shed, garage, etc.), damage due to loss of use, medical bills for injury to anyone on the property and personal liability against lawsuits. The insurance covers losses due to theft, vandalism, accidents, fire, lightning, windstorms and riots.
  • Auto Insurance: This insurance covers bodily injury and property damage liability, comprehensive and collision coverage, uninsured and underinsured motorist, loan/lease payoff coverage, custom parts and accessory/equipment coverage, medical payments coverage, pet injury coverage, rental reimbursement, roadside assistance. Before buying auto insurance, research on the state’s minimum coverage requirements for the same.
  • RV Insurance: Recreational vehicle insurance covers injury costs and damage repair costs. The common types of recreational vehicles covered under this insurance include Motor homes (Class A, B and C), motor coaches, camper vans and travel trailers. The coverage options include bodily injury and property damage liability, comprehensive and collision options, roadside assistance, full timer’s package, deluxe package, fire department service charge, vacation liability, emergency expense, medical payments, etc.
  • Motorcycle Insurance: Factors such as type of motorcycle, past driving record, place of residence, credit history, etc. are taken into consideration when offering motorcycle insurance. The insurance covers bodily injury and property damage liability, comprehensive and collision coverage, uninsured/underinsured motorist coverage, medical payments, custom parts and equipment and roadside assistance.
  • Boat Insurance: This provides coverage for boats and personal watercraft. This insurance coverage covers roadside assistance, total loss replacement, on-water towing and more. The insurance covers most types of boats such as sailboats, fishing boats, house boats and more.
Shawn Camp Insurance Agency, Inc. offers affordable insurance coverage in Killeen, TX. The customers have the option to personalize insurance coverage as per their requirements. The agency also offers free online quote for insurance coverage chosen by the prospective insurance buyers. To know more about insurance coverage in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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Need For Different Coverage Types

by Administrator 24. March 2021 07:54

Different types of insurance coverage are required for compensating an insured against losses incurred due to unexpected events. Before purchasing insurance, it is important to have a deeper understanding of the variety of coverage options offered by a company and the amount of coverage provided.

Listed below is a list of different insurance coverage types along with the purpose they serve:

  • Home Insurance: Home insurance consists of renters insurance and homeowners insurance to protect a client’s possessions and house. The insurance provides coverage for specific losses and damages caused by uncertain events. It also covers legal liabilities ensuing from injuries caused to anyone in the house and financial losses due to events like a storm, fire or theft. The coverage options include dwelling, personal property, loss of use, other structures, personal liability and medical payments.
  • Auto Insurance: Auto insurance is meant to protect a client, passengers in his vehicle and the vehicle. When buying an auto insurance policy, it is important to understand the requirements of the state you live in for the right coverage. The insurance provides coverage for bodily injury and property damage liability, comprehensive and collision coverage, loan/lease payoff coverage, medical payments coverage, custom parts and equipment/accessory coverage, pet injury coverage, rental reimbursement and roadside assistance.
  • Motorcycle Insurance: This covers a touring bike, small commuter and sport bike. The insurance provides coverage against total loss replacement, roadside assistance, accessory and content coverage, medical payments, comprehensive and collision coverage, bodily injury and property damage liability, uninsured/underinsured motorists, custom part and equipment and roadside assistance.
  • Boat And Personal Watercraft Insurance: The insurance includes coverage options like total loss replacement, roadside assistance, on-water towing, etc. It provides coverage for different kinds of boats such as jet boat insurance, sailboat insurance, personal watercraft insurance, house boat insurance and fishing boat insurance.
  • RV Insurance: This insurance provides recreational vehicles coverage when involved in an auto accident leading to injuries and expensive repairs. The insurance also provides financial protection when the accident causes damages to another party. It includes recreational vehicles such as motor homes (Class A, B and C), motor coaches, camper vans and travel trailers. Companions and valuable like clothing, jewelry, laptops, etc. in the RV are also covered.
Shawn Camp Insurance Agency, Inc. offers a variety of insurance coverage options to its customers in Killeen, TX. The agents help the customers in understanding the coverage options and choosing suitable insurance. For more details on need for different coverage types in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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Insurance Tips For First Time Home Owners

by Administrator 28. December 2020 08:28

Owning a home for the first time involves a number of crucial decisions such as choosing the right neighborhood, deciding the number of bedrooms required, assessing the amount of property tax, earnest money, closing costs, etc. to be paid and more. However, one of the most important things for a new homeowner to consider is the right homeowner insurance policy i.e. a policy that fits the needs and is economically priced.

Here is a list of some tips to keep in mind when purchasing homeowner’s insurance for the first time:

  • Navigate The Process: Educate yourself on the process involved in buying the insurance and understand the extent to which it will cover the structure of your home and the belongings therein. Enquire about the things that your home will be protected from e.g. fire, vandalism, theft, lightning, tornadoes, etc.
  • Consider The Coverage: As a buyer of an insurance policy, it is your right to know what the policy covers. In most cases, a homeowner’s insurance policy covers expenses incurred on rebuilding a damaged home, replacement or repair of personal belongings, payment for medical expenses, legal defense and additional living expenses incurred due to “loss of use” of a home due to factors like a fire or tornado.
  • Replacement Cost V/S Market Value: Replacement cost refers to the amount spent on rebuilding a home whereas market value covers the home’s current cash value. When shopping for an insurance policy, ensure that the replacement cost of your home can cover a loss completely. Look for a policy that covers the amount of replacement cost and not just the market value.
  • Claims: Take a peek into the claims process of the insurance agency of your choice. Ask the agents about the claims processing timeS and who will be your point of contact.
  • Online Quotes: Most insurance companies offer discounts based on different criteria. So, consider requesting an online quotation of desired coverage to have a clear idea of the cost.
  • Consult An Expert: First time insurance buyers should consult an expert in the field to determine the right amount of insurance coverage based on the type of house, location/area and personal requirements. An expert can also help in gaining a deeper understanding of the insurance policy and suggest whether additional coverage is required.
Shawn Camp Insurance Agency, Inc. offers a wide variety of homeowner’s insurance coverage options in Killeen, TX. The customers can contact the agents for understanding available coverage options. For more details on homeowner’s insurance in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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Types Of Insurance In Killeen

by Administrator 26. August 2019 12:58

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Insurance Policies You Should Buy

by Administrator 29. June 2019 06:41

Choosing the right insurance policy is a crucial decision. The law requires everyone to have a basic level of coverage for home, car, etc. However, you should buy following insurance policies, as per your requirements, to have maximum coverage in case of an unforeseen event:

  • Home Insurance: Home Insurance, Renters Insurance and Homeowner’s Insurance policies are of great importance for home owners and renters.  There are a variety of home insurance plans to choose from, depending on the level of losses and damages to be covered. These policies provide coverage against damage to a house, personal belongings in it, structures attached to it, loss of use due to temporary shifting for repair and damage control, personal liability and medical payments arising out of injury to someone on the premises due to covered perils like storms, fire, lightning, vandalism, accidents or theft.
  • Auto Insurance: An auto insurance policy protects the covered vehicle, driver and fellow passengers. It covers bodily injury & property damage liability, provides comprehensive coverage (for damage caused due to theft, vandalism, riots, fire, animal strikes, etc.) & collision coverage, uninsured or underinsured motorists coverage, loan/lease payoff coverage, medical payments coverage, custom parts & equipment/accessory coverage, rental reimbursement, pet injury coverage and roadside assistance in case of a dead battery, flat tire, stolen/misplaced keys, insufficient fuel, etc.
  • RV Insurance: This insurance covers the cost of treating injuries and repairing damages caused by an accident involving an insured Recreational Vehicle (RV) including motor homes (classes A, B and C), motor coaches, camper vans and travel trailers. The insurance provides coverage for bodily injury and property damage liability, medical payments, uninsured/underinsured motorists, roadside assistance, vacation liability, fire department service charge, emergency expenses, comprehensive & collision options and more.
  • Motorcycle Insurance: This insurance provides coverage against losses incurred in case your motorcycle is involved in an accident. Motorcycle Insurance covers uninsured/underinsured motorists, medical expenses to treat an injury due to an accident, custom parts & equipment and roadside assistance.
  • Boat & Personal Watercraft Insurance:  It is imperative to buy boat & personal watercraft insurance in case you own any of them. Common coverage options offered by boat & personal watercraft insurance are Propulsion Plus, Sign & Glide (On-Water Towing), Roadside Assistance, Total Loss Replacement and more. Many kinds of boats can be covered under this insurance policy e.g. jet boat, fishing boat, sailboat, house boat, etc.

Shawn Camp insurance Agency, Inc. offers affordable insurance options to its clients in Killeen, TX. To know more about insurance policies you should buy, visit 2705 E. Stan Schlueter Loop, Suite 101
Killeen, Texas - 76542 or call at (254) 526 - 0535.

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Facts About Home Insurance

by Administrator 31. January 2019 11:43

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Things To Consider Before Taking Home Insurance

by Administrator 22. May 2018 14:15

The right type of home insurance is an important investment that every home owner has to partake at one point or another. It is the best way to protect an investment as big as your home and an asset as precious as your family from different perils.

Here are some factors to consider before taking a home insurance

  • The Rebuilding Cost: To get the most of any form of financial protection for your home, it is important to estimate the building cost of your home. You can then avail building insurance for the best financial protection from certain unavoidable calamities. When choosing a building insurance, you should have a correct estimate of the rebuilding cost.
  • Value Of The Contents In The House: Do a room by room inventory of the contents and be careful not to underestimate their value in order to get a decent claim. When performing this inventory, be sure to take note of which items you wish to be covered both when they are in the house as well as outside the house. Valuable jewelry is an example of this, where it is best to get coverage despite where the item is lost or damaged, by adding an “away from home” cover.
  • Individual Item Coverage Limit: Another important consideration is that some policies have a cap for individual items, beyond which the item will not be covered. If you have an item that is of more value than this cap, specify this to your insurer.
  • Covering Accidental Damage: Most home insurance policies cover accidental damage under their basic policy. Damages caused to the drains, pipes, glass, bathroom fittings etc. are examples of the accidental damages covered by most home insurance policies. However, some policies might require you to add on accidental damage, as it is not part of the basic plan. You also must ensure that the plan includes legal coverage if someone gets injured while on your property.
  • Loss Or Theft Of Keys: One of the most common problems that is faced by homeowners is the loss or theft of keys. This requires ordering replacement keys and breaking existing locks. Make sure that you do not have to pay out-of-pocket if this happens, by adding this coverage to your home insurance plan. Some companies have a limit on how much they will pay for key-related costs, so make sure you are aware of this.
  • Transportation And Accommodation Costs: If your house becomes inhabitable due to the damage that you seek coverage for, you want to be sure that you and your family are safe while these damages are being fixed. The best way to do this is to ensure that transportation and accommodation costs are a part of your home insurance.


To get affordable home insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.

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