Reasons To Take RV Insurance

by Administrator 24. November 2018 13:31

RV, also known as Recreational Vehicle, needs special insurance coverage as compared to other automobiles. This is because they are on the road for a longer period of time and that too on different terrains. Vehicles that come under RV are travel trailers, camper vans, motorhomes, etc. It is important to get the right RV policy so that you don’t have to worry about constant repairs or finances.

An RV insurance covers personal property and belongings inside the RV at the time of traveling like laptops, cell phones, TV, dishware, etc., personal attachments like a satellite dish, awnings etc., uninsured motorist coverage, collision expenses, full replacement in case of theft or destruction, medical payments, costs of an RV in storage, things outside of collision e.g. falling objects, fire, natural disasters, theft and more.

Following are some reasons due to which getting RV insurance in addition to auto insurance is highly recommended:

  • State Requirement: Most of the states require some form of insurance for recreational vehicles. If nothing else, at least a driver should have minimum level of RV insurance.
  • Financial Protection: Accidents can cause major financial setbacks. RV insurance can protect you from this. Insurers offering RV coverage have well-trained representatives with expertize in calculating the amount of damage to RVs and writing estimates. RV insurance also covers parts of RV like stairs, slide outs, awnings and appliances.
  • Roadside Assistance: Normal auto insurance policies do offer roadside assistance coverage, but not for RVs. Even if they cover the RVs in their policies, the cover does not include all the expenses incurred to resolve roadside breakdown. If you have RV insurance, such expenses are fully covered.
  • Personal Property Protection: Most RV drivers live in them for long durations. Due to this, they keep items of daily use such as laptops, jewelry, camcorders etc. in the vehicle. So naturally, the risk associated with theft and damage is pretty high. However, if you have RV insurance, you know you are safe and will be compensated for any kind of loss.
  • Investment Protection: Investing in an RV involves a major amount of money. Some RV insurances offer full replacement cost coverage. In this case, if your vehicle is damaged to the extent of being irreparable; you can get its full value.
  • Covers Costs Of Living: If your RV is damaged during a trip and you have to reside elsewhere while it is getting repaired, some RV insurance options may cover your lodging and transportation costs.

To get affordable 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.

Tags: ,

RV Insurance Coverage Options

by Administrator 24. September 2018 14:11

Tags: ,

FAQs For RV Insurance

by Administrator 27. July 2018 05:22


RV Insurance

by Administrator 29. May 2017 12:38

Tags: ,

Ways To Save On RV Insurance

by Administrator 17. November 2016 10:55

Insurance costs for an RV depend on a number of factors. Geographical considerations, age and condition of the RV, the driver’s experience as well as the regional weather conditions play an important role in determining the price that you may have to incur. In order to save on your RV insurance, listed below are a few factors that should be kept in mind:

Contact different insurance companies

All insurance companies charge a different rate. Make sure you do not buy the RV insurance from the first company you come across. Some of them may offer the policy at a lower premium in order to attract more customers. Hence, it is best to do a thorough research before making the final decision.

Go through the state laws

Each state has its own insurance laws. States having a lesser number of RV owners will have a cheaper insurance cost. Also, the state laws may have certain regulations regarding the basic coverage and amount of insurance required for an RV. Hence, knowing these requirements before buying insurance can be helpful.

Look for discounts

Most insurance agencies in Killeen, TX offer additional discounts that can greatly alter your overall costs. If you have experience in driving an RV or you plan to use the vehicle occasionally and for short trips, you may be eligible for a discount. Paying the insurance costs yearly can also help you to receive certain incentives. It reduces the overhead costs of paying every month and gets you discounts too.

Get a coverage appropriate for your RV

An older RV may require a higher collision deductible. Not every policy covers all types of losses; hence it is necessary to understand the coverage provided by the one that you are planning to buy. You can also opt for a customized insurance policy to include maximum losses under the insurance umbrella.

Bundle your insurance policies

Getting a car, home and an RV insured with the same provider can help you save on your insurance. Similarly, you can opt for a multi-vehicle discount by getting all your vehicles insured under the same policy. This will not only save money, but also make it easier to manage your insurance plans.

Look for membership and professional discounts

Certain insurance agencies offer occupational and membership discounts to the clients. Doctors, teachers, military personnel and Federal officers can avail insurance at a lower premium. Similarly, being a member of an RV club or a trade association can also help you get discounts on your insurance costs.

Know the insurance costs of different RVs

Every RV comes with a different insurance cost. Before you buy one, you can do some research about the approximate cost of insuring it. There are several factors that may affect the insurance costs depending on the type of vehicle:

  • The model and age of the RV.
  • The wear and tear of an older RV can definitely alter the insurance cost.
  • The insurance company may conduct a background check of your driving record. Since driving an RV requires practice, an experienced driver may be offered a discount.
  • In case you live in a mountainous region or areas affected by harsh weather conditions, the insurance costs may go higher.

Some safety tips to save on RV insurance costs:

  • Instead of parking in the open, you can opt for indoor parking options to ensure safety.
  • Since driving an RV is different than other vehicles, it is advisable to take a course in order to learn safety techniques. Most companies offer discount on safety-course certificates.
  • Drive safely and take precautions to avoid accidents. Safe drivers are usually awarded with discounts.
  • Install safety accessories such as anti-theft alarms, gas and fire protection systems in the RV. This not only ensures personal safety but also helps to reduce your insurance cost.

By following the tips mentioned above, you can get a cheaper insurance policy without having to compromise on your insurance coverage. You can hire an insurance agent to guide you through the whole process. Discuss your requirements with the agent and he can help you opt for a comprehensive policy that covers all your losses in case of an accident.

We, at Shawn Camp Insurance Agency, Inc., offer comprehensive RV insurance plans in Killeen. To request a quote, you can call at (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Tags: ,

Mistakes To Avoid When Buying RV Insurance In Killeen

by Administrator 5. August 2016 13:35

The number of recreational vehicle (RV) owners in Killeen has seen a steep rise during the recent years. This makes it important to have a comprehensive insurance policy that protects your RV in case of any unfortunate incident. The insurance policy and coverage depends on the model, vehicle usage, driving frequency and many other factors.

Given below are some common mistakes that should be avoided when buying RV insurance in Killeen:

  • Believing that a car insurance policy is sufficient: An RV is more than just a normal four-wheeler and comes with an entirely different set of risks as well as liabilities. It is a specialized vehicle that needs a separate insurance coverage which is different from a basic auto insurance policy. Your RV insurance coverage should include protection for the vehicle as well as your personal belongings in it. Depending on where and how frequently you will drive it, a suitable insurance policy needs to be in place to safeguard your RV.
  • Choosing inadequate coverage: The financial repercussions of inadequate RV insurance coverage can be huge and therefore it is important that you know what is required. You can opt for a comprehensive RV insurance policy for protection in case of incidents such as fire, sabotage or theft. You should avoid getting minimum coverage just to fulfill your state’s legal insurance requirements. The loss of income and medical expenses that you may have to incur after an accident are likely to exceed the limits of your policy.
  • Not asking for discounts: Ignoring the available discounts is another mistake that you need to avoid. You can be eligible for certain discounts which can help in bringing down the insurance premiums. For instance, certain insurance companies offer discounts to the clients who have a safe and clean driving record. You can also get premium discounts if you add more vehicles to your RV insurance policy. Therefore, always be on the lookout for discounts and discuss the possibilities with your insurance agent. 
  • Agreeing on low premium rates: While low premiums may seem to be a lucrative option while insuring your RV, they can pose a huge risk in the future. It is best to consider the coverages that you require and then settle for a premium rate that will provide complete protection to your vehicle.

For comprehensive RV insurance in Killeen, TX, consider Shawn Camp Insurance Agency, Inc. For details about the coverage options, you can call at (254) 526 – 0535

Tags: ,

Recreational Vehicle Insurance In Killeen, Texas

by Administrator 9. June 2016 07:49

If you own a recreational vehicle (RV) or motor home in Killeen, it is important to get complete coverage for it. There are many people who spend a lot of time travelling in their RVs which makes all the more sense to have the required coverage for the vehicle. The RV insurance policy provides financial protection for any damage caused to your vehicle. RV insurance offers the following coverage options:

  • Comprehensive coverage: In this type of coverage, the insurance company will pay for repair or replacement costs in case your vehicle gets damaged due to fire, theft or vandalism.
  • Liability coverage: The insurance company will provide financial help if you accidentally injure any other person or damage his vehicle. The policy will cover the medical expenses and vehicle repair costs incurred by the other person.
  • Medical expenses coverage: You will get protection for all the medical expenses incurred by you or your fellow passengers due to any accident.
  • Collision coverage: You will be given coverage for repair and replacement of your motor home in case it gets destroyed in an accident.
  • Coverage for your belongings: In this type of coverage, you will get protection for all your personal belongings inside the motor home. Contents can add up to a significant amount of money and this type of coverage can pay for the belongings if they get damaged due to an accident.
  • Underinsured or uninsured coverage: This coverage will protect you in case you are involved in an accident with an uninsured or underinsured driver.
  • Roadside assistance: It covers any unexpected incidences of flat tire, mechanical breakdown or jump starts. It pays for the cost of towing, repair and any trip interruption expenses (food, lodging, or transportation) incurred if you are 50 miles away from your home.

Talk to your insurance agent in order to know in detail about the different coverage options available for RV insurance. Getting more coverage can provide better protection but sometimes this can add up to significant costs. Therefore, you need to analyze your requirements and purchase only the coverage you actually require.

If you are looking for an extensive RV insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. Call us at (254) 526 – 0535 for details about the coverage options. You can also visit us at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Tags: ,

How To Reduce Your RV Insurance Rates In Killeen

by Administrator 22. April 2016 10:53

Recreational Vehicle (RV) insurance saves you from financial liabilities if your gets damaged in an accident. It is important that you buy the right coverage to protect your RV as well as your prized possessions stored in it. However, knowing the factors that can affect the insurance costs can help you make huge savings. 

To lower your RV insurance costs, you may consider the following points:

  • Deductible amount: If you choose a higher deductible, you will have lower premiums. However, you must keep the deductible low enough that you can conveniently pay in the event of an accident.
  • Clean credit score: If your credit score is strong, your rates will be lower. Have a clean track record when it comes to tax payments or installments payouts. Keep a check on credit reports from time to time to ensure you get the best deal.
  • Type of RV: Generally a more expensive RV will require higher insurance premium. Towable RVs have lower interest rates than others. You should keep these considerations in mind while buying the RV to avoid buying higher premiums in the long run. 
  • Use of vehicle: People who live in the RV will need a different type of coverage than those who use it occasionally. Also the place where you live and the purpose for which you use the RV will impact your coverage plan. 
  • Install safety devices: Insurance company will give due consideration to safety devices that owners install in their vehicle. Alarms or security locks reduce the chances of a theft and make your vehicle more protected.
  • Driving caliber: Experienced drivers are likely to get better rates as they are trusted to be safe on the road both for their own vehicle as well as others. If you furnish a driving training school certificate, it may lower your insurance premiums.
  • Multi-policy discount: If you have an auto or home insurance already running from a company, ask them to bundle the insurance policies so that you are eligible for a discount.

Working with an experienced insurance agent will help you keep your rates under check. They will examine all factors including your age, marital status, home ownership and gender to get you the best rates that will suit your needs. Compare multiple agents before you make up your mind on one.

For more details about RV insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We can be reached at (254) 526 – 0535. 

Tags: ,

RV Insurance In Killeen, TX

by Administrator 6. October 2015 13:11

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.

Tags: ,

Factors That Contribute To Your RV Insurance Rate

by Administrator 14. July 2015 14:50

While buying RV insurance, it is essential to consider the different types of policies. Certain basic factors affect the rates of the RV insurance and may not be necessary for your specific needs.

Here are some of the variables that play a significant role in determining the rate of your RV insurance:

  • Type Of RV: The type of RV that you have purchased may influence the cost of your insurance. Generally, class ‘A’ motor homes tend to have a higher premium than class ‘C’. Motor coaches, camper vans, travel trailers also involve different insurance rates. Thus, you must keep your overall budget in mind before making the decision regarding the type of RV to buy.
  • Usage: Using your RV for full time living may require a more comprehensive coverage than you may need while taking it out for weekend or occasional traveling. The reason behind a higher rate for the former one is that as you live inside your RV, you present a higher chance of claims.
  • Storage: Factors like crime rate, safety risks and potential environmental hazards in the place where you store your RV can also affect your insurance rate. For instance, if you park your vehicle in a flood or hurricane prone area, there is an increased risk of damage and you will be likely to pay more for an adequate coverage.
  • Driving Record: The insurance agency may also consider your previous driving record, accidents or tickets to determine your premiums. Driving an RV is quite different from driving cars. You need to be well acquainted with the height and width restrictions required to park in garages, drive on bridges, turning in constricted areas etc. Absence of sufficient experience in driving RVs may also lead to a higher insurance rate.
  • Deductible Options: Opting to pay a higher deductible may lower your rate of RV insurance. However, you should know what amount you could spend out-of-your-pocket in case of any damage to the vehicle or your belongings stored within it.
  • Claims History: People having a long history of buying insurance and filing a claim shortly after that may need to pay higher premiums. A higher number of claims may also have a negative effect on your credit score. Thus, you should be responsible enough to manage minor expenses on your own than to file a claim. 

For more information on RV insurance and its influential factors, feel free to contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Tags: ,