Everything About RV Insurance

by Administrator 12. June 2021 09:01

Tags: ,

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.

Tags: ,

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.

Tags: ,

Coverage Options For RV Insurance

by Administrator 13. August 2020 09:03

Tags: ,

6 Terms You Should Know About RV Insurance

by Administrator 24. January 2020 08:56

Tags: ,

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.

Tags: ,

Need For RV Insurance

by Administrator 30. August 2019 13:01

Tags: ,

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: ,