Everything You Need to Know About RV Insurance

by Administrator 26. September 2022 04:39

RV insurance is specifically created to protect your RV from the financial loss incurred due to unfortunate events like accident, weather damage, theft, vandalism and more.

Here are some basics that you need to know about before insuring your RV.

Benefits of RV Insurance

  • Allows protecting your passengers
  • Prevents financial strain
  • Safeguards your possessions (in the RV)
  • Stress-free travel
  • Can be customized as per the usage and need
  • It is mandatory to carry RV insurance to avoid legal penalties
Types of Recreational Vehicle

Different RV classes have different insurance requirements. Here is the breakdown of RV classifications to help you choose right RV insurance.
  • Class A: These are big, ultra-luxurious RVs, featuring loads of amenities; also known as motorhomes.
  • Class B: These are much smaller RVs, called campervans or sleeper vans.
  • Class C: These are fuel-efficient & less expensive campervans built on a truck or van chassis.
  • Towable RV: Towable RVs include fifth wheel travel trailers, toy haulers, travel trailers with expandable ends, pop-ups, folding camper trailers and truck campers.
Cost of RV Insurance

Cost of your RV insurance depends on numerous factors like the class of vehicle, usage, driving history, plan you choose, etc.

Coverages Provided Under RV Insurance

Bodily Injury Liability: In case you are at fault for an accident, RV Insurance covers accident-related third-party expenses including medical payments.

Property Damage Liability: RV Insurance coverage provides a financial safety net and pays for the damages caused to another person’s vehicle or property. It also safeguards your RV and possessions such as clothing, jewelry, binoculars, laptops, camcorders, etc. inside the RV when you are traveling.

Comprehensive & Collision Options: RV Insurance pays for collision & non-collision damage caused due to unfortunate events like accidents, theft, fire, storms, vandalism, and other natural disasters. 

Medical Payments: Regardless of who is at fault, RV insurance covers all the medical bills (up to your chosen policy limits) of the passengers you are carrying in the occurrence of an accident.

Optional/Additional RV Insurance Coverages

You can choose to add optional RV insurance coverages such as:
  • Roadside Assistance
  • Uninsured/Underinsured Motorists
  • Emergency Expense
  • Replacement Cost Personal Effects
  • Vacation Liability..etc.
Shawn Camp Insurance Agency, Inc. is one of the most trusted insurance agencies providing comprehensive insurance plans/options including RV Insurance in Killeen, TX. To know more about RV insurance coverage, browse through www.shawncampinsurance.com. You can also visit us at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas - 76542.

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Which RV Insurance Is Right For You?

by Administrator 26. August 2022 09:56

RV (Recreational Vehicle) insurance provides financial coverage to protect RV owners from losses caused by unforeseen circumstances like accidents, natural calamities, property damage, etc. When buying RV insurance, choose a plan that suits your requirements.

The individual requirements vary for everyone but here are general tell-signs of the right RV Insurance Policy:

Bodily Injury

Opt for RV insurance that can pay up for the damages & treatment of bodily injuries caused due to accidents, natural calamities, and other unfortunate events like fire, hail, vandalism, windshield damage, accidents with animals, etc.

Liability Protection

Buy RV Insurance that provides coverage against third-party liability; regardless of the fact who is responsible for the accident. Both medical expenses, as well as property damage expenses, should be taken care of.

Comprehensive & Collision

RV Insurance must cover the expenses that arise when your RV is damaged in an accident and incidents other than accidents.

Uninsured/Underinsured

This comes in handy when the defaulting party in an accident does not have an insurance cover (uninsured) or is insufficiently covered (underinsured).

Custom Parts & Equipment

The RV parts and accessories may have a hefty price tag. Custom parts and equipment cover allows you to replace these parts in the event of an accident (limits can vary depending upon the insurance plan you choose)

Additional Services & Coverage You Must Look For

Medical Payments, Emergency Expense, Replacement Cost Personal Effects, Vacation Liability, Trailer, Fire Department Service Charge, Full Timer's Package, Roadside Assistance & Deluxe Package.

Shawn Camp Insurance Agency, Inc. offers insurance for different types of recreational vehicles including Motor homes—Classes A, B, and C, Motor coaches, Camper vans & Travel trailers. The insurance agency allows clients to choose from a wide array of insurance coverage options or personalize the insurance as per individual requirements.

To know more about RV insurance coverage in Killeen, call (254) 526 - 0535 or visit us at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX - 76542. You can also request for an instant auto insurance quote for your RV by filling an easy step-by-step online form available at www.shawncampinsurance.com

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Everything You Need To Know About RV Insurance

by Administrator 20. July 2022 08:50

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RV Insurance in Killeen, TX

by Administrator 12. March 2022 15:07

RV insurance provides protection from expenses that may arise due to unforeseen events with the Recreational Vehicle like accidents, theft, natural disaster, mischief etc. which can have a huge financial implication for the RV owner. One can choose from a varied options of coverage depending upon its use and class.

Following are some benefits of buying RV Insurance:

Liability Protection

RV Insurance gives coverage against accidents, body injuries or property damage for which you may be liable. In cases, when you are at fault for an accident, RV Insurance covers accident related third-party expenses including medical payments thereby saving you from the financial strain.

Protects the Asset

Unfortunate events like, accidents, fire, hail, vandalism, windshield damage, accidents with animals etc. can cause some serious damage to the RV. With RV insurance coverage, one need not to worry about it; as it protects your belongings and investment from all such unpredictable incidents.

Compliance with the Law

It is mandatory to carry RV insurance to avoid heavy penalties and license troubles.

Medical Payments

Regardless of fault, RV insurance covers all the medical bills (up to your chosen policy limits) of the passengers you are carrying in the occurrence of an accident.

Serving the residents across Killeen, Copperas Cove, Gatesville and Harker Heights, Shawn Camp Insurance Agency Inc, Killeen TX is an independent and one of the most trusted insurance agencies which provides multiple insurance options including RV Insurance. With Shawn Camp Insurance, you can insure all sorts of recreational vehicles including Motor homes—Classes A, B, and C, Motor coaches, Camper vans &Travel trailers.

We also provide auto insurance coverage for towable RVs including fifth wheels travel trailers, toy haulers, travel trailers with expandable ends, pop-ups, folding camper trailers and truck campers. The insurance also protects your companions and valuables (such as clothing, jewelry, binoculars, laptops, camcorders etc.) inside the RV when you are traveling.

RV Insurance coverage options include:

  • Bodily Injury & Property Damage Liability
  • Comprehensive & Collision Options
  • Uninsured/Underinsured Motorists
  • Medical Payments
  • Roadside Assistance
  • Emergency Expense
  • Replacement Cost Personal Effects
  • Vacation Liability
  • Trailer
  • Fire Department Service Charge
Furthermore, Shawn Camp Insurance Agency, Inc. provides Homeowners Insurance, Car Insurance, Motorcycle Insurance, Boat Insurance, Watercraft Insurance, Golf Cart Insurance, and Renters Insurance. We offer customized insurance solutions to cater to specific needs and requirements of a client.

To know more about RV insurance coverage, call us at (800) 212-2641.You can also visit us at  2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542

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Everything About RV Insurance

by Administrator 12. June 2021 09:01

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RV Insurance: Choosing The Right Coverage

by Administrator 24. February 2021 09:41

RV (Recreational Vehicle) insurance covers expenses incurred during a covered event i.e. cost involved in treating injuries and repairing damages. This coverage is meant for recreational vehicles such as motor homes, motor coaches, camper vans, travel trailers, towable RVs, etc. In addition to the RV, this insurance also offers compensation for valuables inside the RV like jewelry, clothing, camcorders and more.

Following are some things to consider when choosing the right coverage for RV insurance:

  • Know Coverage Options: There are a variety of coverage options that you can choose which includes bodily injury and property damage liability, comprehensive and collision options, uninsured and underinsured coverage, medical payments, roadside assistance, and replacement cost.
  • Research: Before buying RV insurance, consider researching about the RV insurance coverage. Check the website of insurance coverage provider to check the coverage and claims process. also, consider making an online request for insurance quote to make an informed decision.
  • Consider Vehicle Class: When buying RV insurance, it is important to know that the class of your vehicle. RVs are usually classified as Class A, B or C. Knowing the class of your RV will help in choosing the right insurance coverage designed for your need.
  • Amount Of Insurance: The amount of insurance you need will depend on the state you reside in, the class of your vehicle, how far you travel with the vehicle (cross state and country border travelling), whether you use it full time or part time, driving history or past claims, whether you have installed custom features on it and the assets you seek protection for through a law suit or a liability claim.
  • Consult An Expert: It is advisable to consult the insurance agent for advice as to how much coverage you require as per your budget and requirements. The agents offer in-depth guidance on the same and also assist with the technicalities (paper work) involved. They also provide the best suggestion based on the recreation vehicle that you own, your lifestyle, family situation and financial situation.
Shawn Camp Insurance Agency, Inc. offers a variety of RV insurance coverage options to its customers in Killeen, TX. The customers can contact the agents for understanding the coverage options and choosing suitable insurance. For more details on choosing right RV 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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Things To Know About RV Insurance In Killeen, TX

by Administrator 22. September 2020 07:21

RV owners are required to purchase basic insurance coverage as per state laws. However, before purchasing insurance it is important to have a thorough understanding of RV insurance. It facilitates the RV owner to make an informed decision and choose suitable insurance coverage.

Here are some essential things to know about RV insurance:

Vehicle Class: RV or Recreational Vehicles include a wide range of vehicles such as camper vans, bus conversions, etc. RVs can be broadly classified into three classes –

  • Class A: Class A includes vehicles such as luxury coaches, converted buses and motor coaches. The vehicles can be up to 75 feet long.
  • Class B: This class includes smallest RVs and do not have a cab-over. Class B vehicles include cargo van type designs, travel trailers, and camper vans.
  • Class C: Class C group includes vehicles that use standard cargo vans as driving portion of the RV and the cargo portion extends over the cab area. This class covers fifth wheel vehicles.

Coverage Options: The coverage options offered by RV insurance ensure a protection against financial loss due to a number of covered events. Coverage options include –

  • Bodily Injury & Property Damage Liability
  • Comprehensive & Collision Options (Market Value, Agreed Value, and Total Loss Replacement Cost)
  • Uninsured/Underinsured Motorists
  • Medical Payments (MedPay)
  • Roadside Assistance
  • Emergency Expense
  • Replacement Cost Personal Effects
  • Vacation Liability
  • Fire Department Service Charge


RV owners can also choose from coverage packages offered by insurance agencies to suit their requirements. Also, they can choose to purchase add-on coverage for their valuable possessions (clothing, jewelry, binoculars, laptop, camcorders, etc.) carried along during traveling on the RV.

Factors Affecting Insurance Coverage: The suitable RV insurance coverage is dependent upon numerous factors including –

  • State requirements
  • Vehicle Class
  • Intended Use (Full time or vocational)
  • Any custom features that may result in higher repair cost

Shawn Camp Insurance Agency, Inc. offers a complete range of RV insurance coverage options to its clients in Killeen, TX. Customers can choose the coverage options as per their requirements. The agency also offers the option to choose a personalized RV insurance. For more details on things to know about RV 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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Coverage Options For RV Insurance

by Administrator 13. August 2020 09:03

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6 Terms You Should Know About RV Insurance

by Administrator 24. January 2020 08:56

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Understanding The Importance Of RV Insurance

by Administrator 24. October 2019 06:07

RV (Recreational Vehicle) insurance offers number of perks to the owner irrespective of whether the vehicle is used full-time or sporadically. This type of insurance covers all types of recreational vehicles such as folding camper trailers, motor homes, towable travel trailers, motor coaches, etc.

Reasons why RV insurance is important are listed below:

  • Legal Requirement: This type of insurance is a legal requirement that varies from state to state. Each state has a different law governing the minimum requirement for RV insurance based on the size, make, driving history, model of the vehicle and other factors.
  • Liability Coverage: The insurance protects the owner of the RV from liabilities that ensue from an accident caused by him. It covers expenses related to property damage, legal liabilities, first-aid, injuries and others.
  • Provides Collision Protection: If your RV collides with another vehicle or stationery object, the insurance covers any loss or damage irrespective of whether it is your fault or not.
  • Provides Roadside Assistance: In case of an emergency on the road in the form of a dead battery, lock-out, electrical breakdown, entrapment in water, snow, mud, etc.; roadside assistance will be at your rescue no matter where you are.
  • Flexibility Of Coverage: The amount of coverage to be purchased depends upon the individual requirements of an RV owner. In case one needs additional coverage for additional equipment on the RV, enhancements, accessories, etc., he can increase the coverage up to the limit provided. RV owners can also avail uninsured motorist coverage, underinsured coverage, limited pet coverage and others as per the needs.
  • Protects Valuables: RV insurance provides protection for personal valuables in the RV or anything attached to it. These items include cooking appliances, satellite dishes, furniture, sporting and camping supplies, jewelry items, watches, etc.


Shawn Camp Insurance Agency, Inc. offers RV insurance to its customers in Killeen, TX. The coverage options provided include Bodily Injury & Property Damage Liability, Roadside Assistance, Medical Coverage, Personal Liability, etc. To know more about the importance of RV insurance, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also call at (254) 526 – 0535.

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