What liabilities do homeowners face?

by Administrator 4. July 2011 12:27


During your daily routine at home, you possibly don’t think much about the different potential liabilities you are accountable for within the very same building that you and your family rely on for comfort and shelter. But there are many accidents that could happen to others within your home that would result in medical bills and damages and that you, as the homeowner, could be liable for. These incidents could take money out of your savings, retirement fund and college savings plans unless you have the appropriate insurance to cover them.

Potential Liabilities as a Homeowner

Here is an idea of what these potential liabilities could consist of:

Indoor injuries: If a guest or visitor to your home is injured while on the premises by trip and fall over a loose floor tile, you could be liable for both damages and medical expenses.  The costs of these expenses could be extremely high and may even include recompense for loss of work.

Miscellaneous injuries: Visitors to your home could be injured in your yard or garden, around or in your pool, within your storage shed or even by your dog. In fact, your dog could bite someone who isn’t even on your property. Similar to the other accidents we mentioned, this would fall under a homeowner’s liability.

Property damage: If one of your children throws a ball through a neighbor’s window or if one of your trees falls on a neighbor or visitor’s car, you could be liable for repair, replacement, loss of use and other damages.

Accidents within your home can happen any time—whether you’re having friends over for dinner, throwing a party, showing your home to a neighbor or potential buyer, or even entertaining out-of-town relatives. Homeowners liability coverage is designed to protect you against the financial exposure brought on by these liabilities that, whether you know it or not, are a constant part of your life. The benefits of liability insurance can extend well past the inside of your home and protect you from offsite accidents as well.

There is no reason not to have proper liability coverage for your home. Doing so not only protects your family but also ensures that anyone injured on your premises or suffering damages as a result of your family, property or pets will get the medical treatment and funds for damages that they deserve.

To learn more about Texas Homeowners Insurance contact us at (800) 212-2641 or get a free home insurance quote.


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Pollution and the Company Car Policy

by Administrator 7. June 2011 12:24

Insurance companies have to regulate their liability in a practical manner. This is why there are suicide exclusions on life insurance policies, pre-existing condition exclusions in health insurance policies, and certain pollution exclusions in company car policies. But insurance companies can also offer unmatched coverage that protects you from certain hazards to your business—which is why there is also specific pollution coverages that you can add to your company car policy. Let’s explore the differences between the exclusions and the coverages.

The Pollution Exclusion
Your business car policy covers bodily injuries that your employees may sustain in a collision unless the injuries are a result of the release, seepage, dispersal or escape of pollutants from your company vehicle. In general, your employees should not be handling pollutants in any form unless you have the suitable coverage for this business activity. When you are handling and getting rid of pollutants in the proper manner, then obtaining coverage for these essential activities is easy and affordable. For most businesses, this is not an issue. Only select companies need to deal with waste and storage of pollutants. But it is crucial to understand what is considered a pollutant before you verify whether or not the exclusion will impact your business. Common items like paint, oil and industrial solvents may be considered pollutants so even something as simple as an office renovation could result in the transportation of pollutants.

Optional Pollution Coverage
There are periods when your company may need to be involved in the haulage and removal of pollutants. If you have pollutant coverage in your business auto policy and you are handling the pollutants in the proper way, when an incident takes place then your insurance company will usually not exclude the claim. When you are regularly involved in the disposal, storage or transportation of pollutants, this is coverage you should definitely have. Not only can it help you manage claims of injured parties and workers but it can also take care of any fines imposed by the government as a consequence of the accident and any ensuing spill of pollutants.

So before you decide whether or not to add pollution coverage to your company car policy or to accept the exclusion, try to evaluate the daily, weekly and monthly activities of your business to determine just how feasible that coverage would be for you—and just how risky it might be to go without.

Contact us at (800) 212-2641 for a free company car insurance quote or visit our office.

Waco Drivers: Get Your Car Insurance Now or Get Towed

by Administrator 18. May 2011 12:21

If you don't have insurance, your car will be impounded.

That's the message Waco Police want to get out to drivers. Starting June 1st, cops will tow uninsured vehicles. They are trying to make sure accidents don't leave innocent victims out in the cold.

Sergeant Patrick Swanton says the ordinance will benefit every driver. "If you or I are involved in an accident and it's not our fault then they're gonna be able to cover our medical bills and cover the cost of getting our vehicles fixed."

Swanton says some insurance is better than no insurance. "It may not cover the total cost of everything if you look at medical, and by the time you add all the cost of the vehicle. But some is better than nothing. "

Lorraine Kelly just relocated from Minnesota. She is already making sure her and her family are insured and safe. "We're driving all over the place and I've got my child in the car and I wouldn't want anything to happen to her."

Mark Baker, owner of Mark Baker Insurance says getting insurance could ultimately be easier and cheaper than dealing with a violation. "You're gonna have to pay the storage fee the towing service to tow it in. it's a lot cheaper to pay the $50 dollars a month than it is to run without it."

Baker also says even though it's hard times for many, they shouldn't put their insurance on the back burner. "I see a lot of things first thing that goes you know they're gonna take care of the family and rent and food and the car insurance is gonna be one of the things that get dropped."

For Lorraine, no amount of money is too much to keep her family safe. She just hopes others also feel the same. "People who can afford to go do other things like going out and drinking then I think they can afford insurance, it's safer for everybody."

Statewide, 20% of drivers do not have insurance. The Waco ordinance only requires liability insurance, but drivers are encouraged to add uninsured drivers to their policy.

(Source: KCENTV.com)

At Shawn Camp Insurance Agency, a family-owned-and-operated business since 1976, we pride ourselves on helping you protect your home, automobile and business by offering exceptional service, quality products and unparalleled customer support. Contact us at (800) 212-2641 for a free Waco auto insurance quote or visit our office.

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Texas Auto Insurance

by Administrator 21. April 2011 12:17

Auto Insurance

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)


Texas is the second-largest U.S. state by both area and population, and the largest state in the contiguous United States. The name, meaning "friends" or "allies" in Caddo, was applied by the Spanish to the Caddo themselves and to the region of their settlement in East Texas. Located in the South Central United States, Texas is bordered by Mexico to the south, New Mexico to the west, Oklahoma to the north, Arkansas to the northeast, and Louisiana to the east. Texas has an area of 268,820 square miles, and a growing population of 25.1 million residents.

Due to its size and geologic features such as the Balcones Fault, Texas contains diverse landscapes that resemble both the American South and Southwest. Although Texas is popularly associated with the Southwestern deserts, less than 10% of the land area is desert. Most of the population centers are located in areas of former prairies, grasslands, forests, and the coastline. Traveling from east to west, one can observe terrain that ranges from coastal swamps and piney woods, to rolling plains and rugged hills, and finally the desert and mountains of the Big Bend.

At Shawn Camp Insurance Agency, a family-owned-and-operated business since 1976, we pride ourselves on helping you protect your home, automobile and business by offering exceptional service, quality products and unparalleled customer support. Contact us at (800) 212-2641 for a free Texas auto insurance quote or visit our office.

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