by Administrator
25. October 2023 03:00
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.
by Administrator
18. September 2019 06:51
Insurance coverage refers to the amount of liability or risk covered by insurance services. There are a variety of insurance coverage for different types of protection from sudden and unforeseen eventualities. Examples of insurance coverage include homeowners insurance, motorcycle insurance, auto insurance and others.
Each type of insurance coverage is important in its own unique way based on the amount and kind of coverage provided. The following is a list of different types of insurance coverage and their importance:
- Auto Insurance: This is an insurance that is required by the law of most states for bodily injury and property damage liability, personal injury protection, covering the cost of a car in case of collision, comprehensive coverage and protection from uninsured or underinsured motorists.
- Homeowners Insurance: This insurance coverage is important for those who want to protect themselves against the cost of damage caused to building of their home and its attached structures. It also provides protection against financial losses caused by theft, additional living expenses, personal liability, medical payments coverage, etc.
- Renters Insurance: It is a form of insurance that covers the losses to personal property and liability claims in a rented apartment or home. A renters insurance covers the contents of your rented dwelling against perils such as fire and lightning, accidents, thefts, vandalism, riots, and windstorms. It also provides liability coverage if someone is injured in your rented home and files a lawsuit against you.
- RV Insurance: Owners of recreational vehicles require a comprehensive RV insurance coverage to be financially protected from the cost of treating injuries and repairing damages in case of an accident. Insurance coverages are offered for recreational vehicles including motor homes (classes A, B and C), motor coaches, camper vans and travel trainers. Coverage options include Bodily Injury & Property Damage Liability, Uninsured/Underinsured Motorists, Medical Payments, Roadside Assistance, etc.
- Motorcycle Insurance: A motorcycle insurance provides financial protection in case of an accident or theft of your motorcycle. Factors including past driving record, credit history, driver’s place of residence, age, etc. determine the type of motorcycle insurance plan. Coverage options offered are Bodily Injury & Property Damage Liability, Comprehensive and Collision, Custom Parts and Equipment, etc.
- Boat Insurance: A boat insurance covers you for loss, damage, theft or injury risks to your watercraft and its occupants. Insurance plans include options such as Roadside Assistance, On-Water Towing, Total Loss Replacement, and more. Specific coverage plans are also available like personal watercraft insurance, jet boat insurance, sailboat insurance, fishing boat insurance or house boat insurance.
Shawn Camp Insurance Agency, Inc. offers a wide range of insurance plans including home insurance, motorcycle insurance, auto insurance, RV insurance and boat insurance. For further details on understanding the importance of different insurance coverages, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also call at: (254) 526 – 0535.
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.
by Administrator
22. February 2019 11:49
Motorcycle insurance covers financial losses that may ensue from accidents on the road while riding a motorcycle. This insurance usually covers medical bills, third party injuries, motorcycle replacement costs, roadside assistance, state-by-state required coverage, guest passenger coverage, uninsured/underinsured motorist coverage and collision coverage. Creating a checklist before renewing or shopping for a motorcycle insurance plan can be helpful for getting it at the best price.
Following is a checklist worth considering before purchasing or renewing a motorcycle insurance in Killeen, TX:
- Personal Information: Gather personal details such as your home address, age, occupation, annual mileage, period for which you have been a resident of the country, etc. beforehand.
- Motorcycle Details: You should also have all the details of your motorcycle such as its make, model, year of manufacturing, current mileage, an estimate of its current value, accessories fitted and their value, modifications such as exhausts, custom painting, engine work or upgraded breaks and more. You may also be required to provide details such as where the motorcycle is parked when not in use e.g. in the garage, on the street, your driveway, etc.
- Insurance Coverage: Details regarding the insurance coverage of your motorcycle such as whether it is a fully comprehensive coverage or limited to third party, fire or theft. You should also know the amount you have paid previously, an idea of the renewal quote you want, when you would like the coverage to start, whether you require legal coverage, plan to ride the bike overseas, require a courtesy bike or need breakdown coverage.
- Riding History: Information regarding your riding history is also considered at the time of getting motorcycle insurance. This includes the date on which you cleared the bike test, proof of No Claim’s Discount, information about any pending convictions, refusal of insurance in the past or any special terms imposed, advanced riding courses that you have passed and the date on which you passed them.
- Prior Accident History: In case you have a history of an accident with the motorcycle, gather details regarding the same e.g. whose fault it was, the insurance provider of the other party, amount of claim paid if any, etc.
This checklist will prepare you for smoothly proceeding with the insurance process of your motorcycle. With this information on hand, you can alternatively get free online quotes and compare prices of various insurance plans.
For further information on affordable motorcycle insurance in Killeen, TX contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542 or call at (254) 526-0535.
by Administrator
31. August 2018 11:39
by Administrator
24. April 2017 15:51
by Administrator
12. January 2015 06:42
Given the increased risk involved with driving a motorcycle, not getting proper insurance is not just unsafe, but also illegal. Many people believe that purchasing motorcycle insurance is an unnecessary expense. However, not getting proper insurance is illegal and turn out to be very expensive in the long run. Following a well-informed approach can help you save on your insurance premiums while getting yourself financially covered in the event of unforeseen circumstances.
Here are some tips that can help you save on motorcycle insurance:
- Raise Your Deductibles: This is the amount you need to pay towards a claim before your insurance policy comes into effect. Increasing your deductible will considerably reduce the amount you have to pay for your motorcycle insurance. However, make sure that the deductible is not too high and you can easily pay the amount.
- Look For Discounts: There are many insurance companies that offer various discounts for applicants who meet a certain specified criteria. These may include people who do not use the motorcycle on a regular basis or have a clean driving record. Make sure you ask your insurance agent about any such discount that can help you save money.
- Exclude Rash Drivers From Your Policy: If you have someone in your family with a flawed driving record, make sure you do not include them in your policy. They can cause your motorcycle insurance premiums to be a lot higher than what you would need to pay otherwise.
- Avoid Making Small Claims: Remember that insurance policy provides you coverage at the time of considerable losses. Filing for infrequent or small claims can increase your chances of getting rejected when you are in real need of financial aid. As far as possible try to make a single claim in a year.
- Ride Alone: If you ride your motorcycle alone, you can save a lot by skipping the passenger liability coverage. However, you must keep in mind that avoiding this coverage means that you cannot have a fellow passenger on your bike ever.
- Avoid Sports Models: The makes and models of bikes also play a major role in determining the insurance premiums. Insurance companies charge much higher rates for high performance motorcycles that involve more risk or have parts that are not easily available.
For more information about motorcycle insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We offer affordable insurance policies tailored to the needs of clients. Call us at (254) 526-0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542 to know more.
by Administrator
12. December 2014 14:55
If you own a motorcycle then it is mandatory for you to get the motorcycle insurance. Riding a motorcycle without valid insurance coverage is illegal and you may face conviction for it. However you need to understand the different types of motorcycle insurance covers available in the market as every rider has different needs and usage of the vehicle. Thus it is essential that you access your requirements in order to decide the type of insurance that you should buy.
Here are a few different types of motorcycle insurance:
- Fully Comprehensive: This is the costliest type of cover that offers maximum security. It covers you against damage to a third party and their property, bike being set on fire, being stolen, and any type of damages to the bike due to vandalism, flooding, etc.
- Third Party Only Insurance: This basic type of motorcycle insurance covers you against the damage to a third party’s property, or themselves in case you are involved in a collision. It does not cover motorcycle repairs or any medical bills for injuries that you suffer due to collision. The insurance will also not cover you against your bike being stolen or set on fire.
- Third Party Theft & Fire: This insurance type is similar to third party only insurance. The only difference is that it covers your bike for fire and theft. It also pays for the retrieval and restoration of your bike after damages.
- Personal Injury Protection: This insurance cover pays for the medical costs to you and the co-passenger without considering who was at fault.
- Bodily Injury & Property Damage Liability Coverage: It covers damages incurred by the other party when it was your fault.
- Custom Parts & Equipment: This insurance policy covers the custom parts and equipment that you have use in your bike.
The insurance price is less for bikes that are parked in a secure place as is for bikes with an alarm system and lower mileage. If you have completed a motorcycle-riding course from any institute then also you can claim a low priced insurance. However you must take good care of your motorcycle and keep your driving record clean to ensure that you get a cheap quote from the insurance provider. The type of coverage also depends upon the state where the bike is registered. Also most insurance providers do not offer coverage for modified and custom bikes.
we, at Shawn Camp Insurance Agency, Inc. provide unmatched motorcycle insurance deals to the clients in Killeen, TX. We have customer centric approach and offer different types of insurance covers to suit all motorcycle riders.