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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Why Insurance Is A Necessity For All?

by Administrator 27. February 2020 09:18

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Understanding The Importance Of Different Insurance Coverages

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.

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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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Frequently Asked Questions About RV Insurance

by Administrator 17. January 2019 06:41

Buying an RV can be a very exciting experience and it is important to get your vehicle insured. Here are answers to some frequently asked questions about RV insurance.

  • What Is RV Insurance?

RV insurance is very similar to auto insurance, except it is for your RV (Recreational Vehicle). The term RV defines a wide range of vehicles, including motor homes, camper vans and bus conversions. An RV insurance covers any damages that might be incurred to any of these vehicles. Depending on the type of RV you own, you would need to choose between type A, B, or C type RV insurance. A professional insurance agent can help you decide which RV insurance would best suit your requirements. 

  • What Is Covered By RV Insurance?

Perhaps the most common question asked by RV owners looking to purchase insurance, is what will the insurance cover. The basic coverage of an RV insurance includes liability, collision and comprehensive coverage. In addition to that, RV insurance also covers your personal belongings that might be in your RV at the time of an incident, as well as any equipment or accessories such as awnings and satellite dishes that you might have attached to the vehicle. In some cases, RV insurance also covers towing costs if your vehicle needs to be towed. You may choose add-on options like roadside assistance, emergency expenses, vacation liability and replacement cost, to name a few.

  • How Does It Work?

Before investing in an RV insurance, it is prudent to understand how it really works and what would happen in the event that you need to use your insurance. To start with the process, you need to contact your insurance agent and collect extensive details of the event. Depending upon the limits set by your RV insurance plan, you will be covered in all possible events such as – getting into an accident with an uninsured motorist, being at fault in an accident, having your RV damaged by a natural calamity, etc. 

  • Is RV Insurance Required By Law?

Much like auto insurance, all RV owners are required to have RV insurance. All states require you to have a minimum liability insurance to cover your vehicle, however you may choose to have extra coverage to minimize your out-of-pocket expenses in case of an accident.

  • How Much RV Insurance Do I Need?

This is governed by numerous factors like your state’s requirements, the class of your vehicle, whether you use your vehicle to travel part-time or stay in it full-time, where will you be travelling, the custom features of your motorhome, etc.

For further information on RV Insurance, contact Shawn Camp Insurance, Inc. at (254) 526-0535 for a free online quote. You can also visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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RV Maintenance Tips For Low Insurance Premium

by Administrator 27. December 2018 12:13


What Does RV Insurance Cover?

by Administrator 19. December 2014 08:12

Recreational Vehicles, or RVs, are a very useful vehicle for people who love camping or travelling across long distances. As it involves a big investment it should be insured properly. Many insurance options are available for an RV, depending upon its type and use.  Here are some of the vehicles that are covered under RV insurance

  • Class A Motorhome: A large house on wheels Class B Motorhome: Comparatively smaller, van sized vehicle
  • Class C Motorhome: Medium vehicles, called as mini-motorhomes
  • Travel Trailer: Towable mobile home attached to a trailer glitch
  • Truck Camper: Attached to the crib of a truck

What Does It Cover? 

  • Bodily Injury: This provides coverage for your medical bills in case you suffer an accident while traveling on your RV.  Collision And Comprehensive
  • Coverage: Collision coverage helps to pay the damages caused to your RV in an accident in which you are at fault. On the other hand, comprehensive coverage pays for a loss in case your RV is stolen or damaged due to vandalism, fire or falling debris.
  • Uninsured Or Underinsured Coverage: If you have damaged your RV due to an accident by an unidentified, uninsured or underinsured driver, this coverage options helps to pay for the repairs. It also meets the expenses of medical bills and lost wages and other damages caused to you or other passengers present at the time of accident. 
  • Medical Payments Coverage: It pays for the medical costs incurred by you or other victims at the time of an accident, irrespective of who is at fault.
  • Roadside Assistance: If your RV breaks down unexpectedly, this coverage option will provide help needed for towing and dropping the car to a nearby repair shop.  It also provides an increased protection that includes any expenses caused due to trip interruption in case you have traveled more than 50 miles from your home. 
  • Liability Coverage: Also known as property damage liability, it provides coverage for damage to others’ property due to an accident caused by you. We, at

Shawn Camp Insurance Agency, Inc., provide comprehensive insurance plans for your RV. Our agents will carefully analyze your needs and budget and then lay out the best coverage options for you. For more information, you can call at (254) 526-0535 or visit us at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542.

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