Comprehensive Guide To Boat Insurance

by Administrator 15. July 2019 11:14

The boat insurance provides complete coverage in case of any theft or damage to a boat due to mishap or peril. 

If you are keen on getting your boat insured, following are a few guidelines that will be helpful in choosing an insurance plan with the right amount of coverage:

  • Type Of Vessel: When purchasing boat insurance, it is important to determine the type of vessel you want to insure and the insurance policy that will be suitable for it. Also, consider factors such as the age of your boat, its condition, whether it is used for primary residence, its function, ownership status and where it will operate i.e. ocean, lakes, bay or rivers.
  • Types Of Coverage: There are various types of insurance coverage options for boats like collision damage, property damage, injury and personal property. Depending upon your requirements, you can also choose from specialized coverage options such as Roadside Assistance, On-Water Towing, Total Loss Replacement, and more.
  • Coverage Value: It is the amount paid by the insurance agency if a claim is filed. The amount of coverage that you will receive depends upon type of insurance plan chosen, condition of boat, depreciation value, its usage and a number of other factors.
  • Amount To Pay: The total amount that you will have to pay for the boat insurance is calculated by the insurance provider based on numerous factors. It depends on the type of vessel you own, level of coverage, amount of deductibles, liability limits, the state you live in, etc.
  • Discounts: Most insurance companies offer discounts for factors such as no claims history, extra safety attachments, certification or training for driving a boat, etc. Ask the agents if you qualify for any discount. 
  • Claims: Before purchasing boat insurance, discuss the procedure of filing a claim in case of any mishap. Ask about the first point of contact, timeframe of reporting a damage, documents required for filing the claim, mode of filing a claim, etc.

Shawn Camp Insurance Agency, Inc. provides various coverage options for boat insurance. The company also offers progressive home insurance, auto insurance and motorcycle insurance to its customers. For further details on boat insurance, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX - 76542. You can also call at (254) 526 – 0535.

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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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Understanding Homeowner's Insurance

by Administrator 25. June 2019 08:56

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Motorcycle Insurance In Killeen, TX

by Administrator 21. June 2019 08:31

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Questions To Ask Yourself When Shopping For Auto Insurance

by Administrator 31. May 2019 08:22

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Types Of Auto Insurance Coverage You Should Buy

by Administrator 27. May 2019 07:16

There are many types of auto insurance coverages that you can choose from depending on your needs, budget and state requirements. When choosing an auto insurance plan, consider the type of vehicle, driving conditions, theft rate, third party damages, repair costs and other factors that may be of importance to you.

Listed below are the types of auto insurance coverages that every vehicle owner should consider buying:

  • Liability Coverage: Liability insurance coverage protects a vehicle owner from expenses that result due to a car accident caused by him. It covers the cost of repairing property that has been damaged by the accident. Every state has a minimum requirement for this coverage.
  • Bodily Injury Coverage: Vehicle owners should consider purchasing bodily injury coverage to pay medical bills incurred while treating your passenger’s injury.
  • Collision Coverage: This coverage helps in paying for repairs of a vehicle, in case of a collision with another vehicle or object like tree, pole, etc. Under this coverage, if the cost of repairing the vehicle is more than the actual value of the vehicle, the value of your vehicle will be covered.
  • Uninsured Motorist Protection: If a vehicle which is not covered by an insurance policy hits your vehicle, uninsured motorist protection can help you with the expenses related to replacing or repairing your vehicle and cover medical bills.
  • Underinsured Motorist Insurance: Some drivers buy minimum liability coverage that does not provide sufficient coverage when needed. Purchasing underinsured motorist coverage protects you in the event of collision with such drivers by compensating you for costs that exceed the other driver’s liability coverage.
  • Comprehensive Coverage: If your vehicle is damaged by something that is not considered as an accident e.g. if it is stolen, damaged by the weather, hit by an animal, etc.; the repairing costs will be covered by comprehensive insurance. It covers risk factors related to the vehicle, its driver & passengers.
  • Medical Payments Coverage: This insurance exclusively covers medical payments due to an accident. It is also called ‘no fault coverage’ because it provides benefits without considering who was at fault.
  • Others: Apart from the above mentioned auto insurance coverages, you can also get gap insurance, roadside assistance, rental reimbursement insurance, pet injury coverage, custom parts & equipment coverage and more.

Shawn Camp Insurance Agency, Inc. provides affordable auto insurance in Killeen, TX. Customers can request for instant online quotation for their convenience. To know more about types of auto insurance coverage, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas-76542. You can also call at (254) 526-0535.

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Times When You Need Renters Insurance

by Administrator 24. May 2019 07:14

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Common Car Insurance Terms

by Administrator 30. April 2019 06:55

Being aware of commonly used terms when buying car insurance is extremely helpful. This knowledge can help you in choosing a suitable coverage. 

Following are car insurance terms that every buyer should be aware of:

  • Depreciation: This term refers to the decrease in the value of your car over time as you use it.
  • Premium: An amount that the policy holder pays to an insurer for covering the risks stated in the policy. It can be paid monthly, quarterly or every six months.
  • Deductible: It is the amount paid out of your pocket in case of damage prior to any reimbursement by the insurance company. Higher deductible results in lower monthly payments and vice-versa.
  • Collision Coverage: This is an optional coverage that covers damage caused to your vehicle as a result of colliding with another car or object. 
  • Comprehensive Coverage: This coverage pays for the damage caused to your vehicle due to reasons other than a collision. Some covered incidents are theft, broken windows, storms, striking with an animal or a falling object, etc.
  • Declaration Page: This is a page that mentions the summary of coverage you have, its limit & cost as well as information about the vehicle covered.
  • Liability Insurance: The minimum amount of insurance that every vehicle owner is required to carry. It covers damages and injuries caused to the other party due to your fault. It usually has three parts: bodily injury liability per person, bodily injury liability per accident and property damage liability. 
  • Medical Payments Coverage: Also known as MedPay, it covers the expenses for medical bills associated with an accident irrespective of who is at fault. Also, the coverage pays for funeral expenses in the event of death caused due to an auto accident.
  • Uninsured Motorist Coverage: It covers you and your co-passengers in case of injuries or death in an accident if the accident is caused by other driver who is uninsured.
  • Underinsured Motorist Coverage: If in an accident, other driver is at fault & he does not have enough insurance to cover your bills, then this coverage supports you.
  • Gap Insurance: It offers coverage if a vehicle whose lease or loan has not been paid off is stolen or damaged. The coverage protects you from ‘upside-down’ loan. It is also known as loan/lease payoff coverage.
  • Roadside Assistance: It is an add-on coverage that provides towing services in an event of flat tire, mechanical breakdown overheat, lockout and the like.

Shawn Camp Insurance Agency, Inc. offers auto insurance at affordable rates. Clients can also request instant online quote for their convenience. For more details about auto insurance in Killeen, call at (254) 526-0535. You can also visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas-76542. 


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How To Reduce Home Insurance Costs

by Administrator 25. April 2019 12:01

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Reasons Your Car Insurance Claim May Be Denied

by Administrator 22. April 2019 09:06

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