Tips For Seniors To Get Affordable Auto Insurance

by Administrator 19. July 2018 08:55


Things To Consider While Buying Two Wheeler Insurance

by Administrator 27. June 2018 08:46


Frequently Asked Questions About Boat Insurance

by Administrator 23. June 2018 11:44

There are a plethora of boat insurance coverages. The right type of boat insurance is one that will cover accidental losses and damage to a boat and also the cost of legal issues that spring up from any physical damage caused to another by the boat or its equipment. Following is a list of some frequently asked questions regarding boat insurance.

  •  What Is The Cost Of Getting Boat Insurance?

The cost of boat insurance depends on factors such as where the boat is situated, how skilled the operator is, its size, type and what it is used for.

  •  How Can I Reduce The Cost Of Insurance?

Insurance for boats in coastal areas cost more than boats in inland areas. So the area you use your boat in will have a direct impact on the insurance cost. Also, most insurance companies offer discounts to those who have an approved boating safety course or with a decent driving record.

  •  How Much Insurance Coverage Do I Need?

The insurance coverage of newly purchased boats is their purchase price. It consists of value of the boat, motors and attached equipment in the form of electronics.

  • What Kinds Of Losses Are Covered By Boat Insurance?

Each insurance company varies as far as the types of losses covered by boat insurance are concerned. It will be helpful to consult a professional to help you out with choosing a boat insurance policy that best suits your individual needs.

  • Will Anyone Driving My Boat Be Covered By The Insurance?

Usually, anyone you give permission to ride your boat is covered by the insurance but there are always exceptions. Some policies have a named operator endorsement in which case only the operators mentioned can operate the boat.

  •  What Happens During The Lay-Up Period?

Boat insurance will cover the vessel, provided it is out of commission and not being operated. However if you want to use your boat during such period, you must request for an endorsement that allows you to use the boat temporarily and still get coverage. It is important to note that a boat which is stolen during a lay-up period is fully covered.

  •  What Are Navigational Limits?

In order to remain covered, the boat should be within the navigational territory mentioned in the policy. If you want to be covered when beyond such a territory, you will have to obtain an additional coverage from the insurance company giving you permission for the same.

We, at Shawn Camp Insurance Agency, Inc., offer boat insurance to our clients in Killeen, TX. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.



Tips For First Time Auto Insurance Buyers

by Administrator 16. June 2018 12:02


Liability Auto Insurance

by Administrator 25. May 2018 10:42


Things To Consider Before Taking Home Insurance

by Administrator 22. May 2018 14:15

The right type of home insurance is an important investment that every home owner has to partake at one point or another. It is the best way to protect an investment as big as your home and an asset as precious as your family from different perils.

Here are some factors to consider before taking a home insurance

  • The Rebuilding Cost: To get the most of any form of financial protection for your home, it is important to estimate the building cost of your home. You can then avail building insurance for the best financial protection from certain unavoidable calamities. When choosing a building insurance, you should have a correct estimate of the rebuilding cost.
  • Value Of The Contents In The House: Do a room by room inventory of the contents and be careful not to underestimate their value in order to get a decent claim. When performing this inventory, be sure to take note of which items you wish to be covered both when they are in the house as well as outside the house. Valuable jewelry is an example of this, where it is best to get coverage despite where the item is lost or damaged, by adding an “away from home” cover.
  • Individual Item Coverage Limit: Another important consideration is that some policies have a cap for individual items, beyond which the item will not be covered. If you have an item that is of more value than this cap, specify this to your insurer.
  • Covering Accidental Damage: Most home insurance policies cover accidental damage under their basic policy. Damages caused to the drains, pipes, glass, bathroom fittings etc. are examples of the accidental damages covered by most home insurance policies. However, some policies might require you to add on accidental damage, as it is not part of the basic plan. You also must ensure that the plan includes legal coverage if someone gets injured while on your property.
  • Loss Or Theft Of Keys: One of the most common problems that is faced by homeowners is the loss or theft of keys. This requires ordering replacement keys and breaking existing locks. Make sure that you do not have to pay out-of-pocket if this happens, by adding this coverage to your home insurance plan. Some companies have a limit on how much they will pay for key-related costs, so make sure you are aware of this.
  • Transportation And Accommodation Costs: If your house becomes inhabitable due to the damage that you seek coverage for, you want to be sure that you and your family are safe while these damages are being fixed. The best way to do this is to ensure that transportation and accommodation costs are a part of your home insurance.

To get affordable home 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.


Car Insurance: What Does It Cover?

by Administrator 17. May 2018 06:27

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Renters Insurance: What To Know

by Administrator 27. April 2018 12:11

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Coverage Options For Boat Insurance

by Administrator 23. April 2018 12:09

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Beginners Guide To Home Insurance

by Administrator 19. April 2018 07:25

Our home is one of the most valuable asset that we own. Buying a home involves a lot of money and emotions. With so much at stake, it is wise to get your home and belongings insured against losses that might arise due to natural calamities, thefts, fire etc. Even mortgage companies prefer buyers who have insurance coverage on their homes.

Why Buy Home Insurance?

Home insurance is bought for property coverage, liability coverage and for mortgage lenders. It covers your home’s physical structure and personal property in it. It covers your personal legal responsibility for a third party who could have been injured or killed on your property premises. It is also easier for you to get a loan on the basis of home insurance.

What Does A Home Insurance Policy Cover?

The following perils are generally covered:

  • Theft/vandalism
  • Loss due to civil unrest
  • Fire & smoke
  • Windstorms, thunderstorms, hail etc.

What Is Not Covered?

The following perils are usually not included in the basic coverage:

  • Floods
  • Day to day wear and tear
  • Deliberate damage

Kinds Of Coverages

Shawn Camp Insurance Agency, Inc. in Killeen, TX offers a number of coverage options to their clients such as –

  • Dwelling – It provides for any damage to the house.
  • Personal Property – The coverage option covers all the valuable possessions inside the house at the time when an uncertain event took place.
  • Other Structures – It protects all the other structures attached to the property such as garage, shed etc.
  • Loss Of Use – The living expenses which the person pays for while their house is being repaired is provided for under this coverage inclusion.
  • Personal Liability – It protects you from the costs that arise due to a legal lawsuit filed by a person who got injured on your property premises.
  • Medical Payments – It provides for the medical bills that arise when someone suffers an injury on your property.

Determination Of Premium

Your premium will be determined by the amount of insurance coverage you buy. It will also depend on the material of your house (brick or wood), its age and condition, whether you own high risk outdoor amenities etc. You can reduce the amount of premium with strategies such as:

  • A good credit history
  • Maintaining a single insurer
  • Bundling your insurance
  • Using safety devices at home
  • Improving your home’s disaster resistance
  • Availing multiple policy discounts

We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.