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. 

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.

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. 

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.

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.

If you have a RV such as a truck camper, folding camping trailer, travel trailer with expandable ends or a fifth-wheel travel trailer, it is crucial to have it insured. RV insurance is different from auto insurance and homeowner’s insurance policies, as it combines the features of both to cover all aspects of RV.

Here are some guidelines that will help you buy the right RV insurance:

• Liability coverage: You are required to have liability coverage even if you use the vehicle occasionally. Before buying an insurance policy, make sure it covers all potential injury claims. If your RV collides with another vehicle and damages it, the repair could be quite expensive. RV insurance pays for the damages to other vehicle and protects the driver as well.
• Roadside assistance and towing: Make sure that your RV insurance policy offers towing and roadside assistance because towing an RV can be quite expensive. It should also include emergency expense coverage, which covers temporary living quarters if your RV breaks down. It should also cover the cost of returning the RV to the home following an accident or breakdown when you are 50 miles away from your home.
• Stolen or totaled: ‘Agreed Value’ coverage means the insurance provider agrees upon an amount that will be paid to the insured in an event of total loss or theft.
• Total loss replacement coverage: You can also consider ‘Total Loss Replacement’ coverage as it offers to provide a new RV to the policyholder in case there is total loss or theft of the RV that is under five years old.
• Personal effects coverage: A specialty RV insurance policy offers personal effects coverage, which pays to replace the stolen personal property from your RV.
• Personal liability while on the road: This offers coverage for any trips and falls at the campsite where your RV is parked and for which you are held responsible.
• Vacation liability coverage: This covers any injuries that occur due to an accident that occurs during the time an RV is used as a temporary vacation residence.
• Uninsured driver insurance: This type of coverage protects the RV driver from personally paying for any damages to the RV done by an uninsured motorist.

We, at Shawn Camp Insurance Agency, Inc., can help you search for an RV insurance policy that best suits your requirements and budget. For more information about our insurance products, you can call at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

If you own an RV you must carefully select an affordable and all-inclusive insurance policy for it. You need to make sure that you are receiving the most favorable quote for your insurance, not only in terms of policy premiums, but also for the coverage part. Whether you use your RV on a frequent basis or as a seasonal traveler, buying insurance will help you in case of any damage to your vehicle.

Given below are a few important things that you need to consider while looking for RV insurance in Killeen, TX:

• You should make sure that you request quotes from multiple insurance agencies. This will give you a clear idea of the features that are typically available in the policy and help you make savings. 
• Many factors decide the premiums that you need to pay for your RV insurance. Some of them are the RV model, coverage options, driving record, vehicle usage etc. Maintaining a claims free record and using the RV safely can help you bring down the cost of your insurance policy.
• In case you have made any additions or modifications to your RV, you must openly discuss this with your insurance agent. This will make sure that everything is taken into account if your RV ever sustains significant damages that require filing a claim.
• As you might use your recreational vehicle for long distance trips you should try to look for a policy that offers roadside assistance in case of an accident or breakdown.
• If possible, opt to pay a higher amount from your pocket in case of any damage to the RV. This will also help to reduce the monthly payments that you will have to make towards the insurance.
• Your RV will probably comprise of many expensive electronic items and personal stuff such as television sets, laptops and other valuable items. Hence, it is essential to confirm that the insurance policy you are considering provides sufficient coverage for any personal belongings damaged or stolen from your RV.

We, at Shawn Camp Insurance Agency, Inc., can help you choose the most suitable RV insurance policy available in Killeen. Our agents offer customized insurance plans according to your needs and budget. For more information, you can call at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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.