Motorhome Insurance Buying Guide

by Administrator 7. March 2016 10:03

Motorhome Insurance is quite similar to car insurance in terms of legal documents required and a third party liability cover; however there are some essential factors which are markedly different. Motorhome is basically a home on wheels and you may have your personal items in it all the time. It is important that you keep all these belongings in mind while buying an insurance cover.

An insurance agent may consider one or more of the following factors while deciding on your exact coverage:

  • Age and medical history of driver/drivers
  • Pattern of usage (terrains or climate)
  • Condition and mechanical upkeep of the motorhome

Kinds of insurance coverage available:

  • Comprehensive coverage: This provides you protection against any damages that may occur to your motorhome in case of non-collision incidents. This may include fire, theft, vandalism or weather related.
  • Accident coverage: In case your motorhome is involved in an accident, you will be covered against expenses to repair damages to your vehicle. Based on your usage patterns, you must buy sufficient accident coverage.
  • Third party liability coverage: If your motorhome injures a person or damages someone’s property/vehicle, the insurance company will cover you against the monetary compensation which you are liable to pay. This may include medical bills or repair costs incurred by the party.
  • Personal items coverage: From kitchenware and clothing to electronics and tools- all items that have been listed as part of content of your motorhome will be covered under this head.
  • Camping equipment coverage: If you are using your motorhome for frequent camping, it is best to insure them as expensive gear in your motorhome may attract thefts.
  • Key care coverage: If the keys or access system to your motorhome is lost or vandalized, the coverage will protect you. This is important as your motorhome may be parked overnight at unknown places with a high crime rate.
  • Medical payments coverage: In case of accidents, personal injuries to you or your co-passengers will be covered under this. Medical bills, funeral expenses, etc. may be part of this cover.

A motorhome is a big investment and often forms an integral part of family outings and experiences. Make sure you ask your insurance agent of exact cover amount that you are entitled to under each head.

For comprehensive motorhome insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Ways To Save On Auto Insurance In Killeen

by Administrator 14. November 2015 14:02

It is possible to save a considerable amount of money every year on auto insurance. There are certain factors that need to be kept in mind while finalizing an auto insurance policy. However, it is important to note that by lowering the premium you do not have to compromise on the coverage options. Here are a few suggestions that you can utilize in order to save money on auto insurance:

  • Consider insurance costs before buying: Whenever you decide to buy a car, make sure you pay attention to the insurance costs. The insurance expense is a major part of the total maintenance cost of any vehicle. Therefore, you must consider the amount that you will have to spend on its insurance. The insurance premium you pay will depend on the price, driving record, average maintenance costs and safety level of the car.
  • Compare various policy providers: It is imperative that you compare different auto insurance quotes before selecting a company. You can also call an insurance agency to compare the quotes provided by different carriers in your state. Choose the one that has a good track record of providing satisfactory customer service.
  • Combine insurance policies: A number of insurance policy providers in Killeen offer discounts if you buy multiple insurance policies from them. You can also discuss with your agent if you can insure all your vehicles with a single policy. Do thorough research and find out if getting several policies from the same carrier will benefit you in the longer run.
  • Increase your deductible: Increasing your deductible can help you save a lot in collision and comprehensive coverage costs. You must always save money so that you can afford a higher deductible if an emergency arises.
  • Drive safely:  Check if your insurance agency offers safe driver discounts to clients who have not been involved in any accident consistently for the past several years. You can make additional savings if you have recently undertaken a defensive driving course.
  • Drive less: Many insurance providers in Killeen offer low mileage discounts for those who drive less in comparison to the fixed average number of miles per year for all drivers. People who carpool on a regular basis are also eligible for such discounts.

We, at Shawn Camp Insurance Agency, Inc., can help you choose a comprehensive and affordable auto insurance policy. For more information, you can call us at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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Boat Insurance In Killeen, TX

by Administrator 4. February 2015 09:08

Many people overlook the importance of getting boat insurance; however, it is imperative if you own a boat. Your boat may be stolen vandalized or damaged in an accident and the insurance will pay for the costs incurred. In certain states, it is mandatory to have boat insurance in order to transport or operate it. Even the financers recommend boat buyers to have insurance, as it keeps them and the buyers covered in case of any damages or liabilities. As you purchase insurance for your car, home and property you should research and purchase the most profitable boat insurance.

Boat insurance has a number of benefits and covers you in case of fire, sinking, theft, vandalism, storms, collision, stranding and explosion. It also covers the boat, the motor and the trailer even in the event of malfunction. Most of the insurance companies offer Watercraft liability and Watercraft Medical payments and options may vary from company to company. The Watercraft Liability covers you in case of an accident in which you are at fault. However the Watercraft Medical payments pay for any medical bills incurred by you or occupants of the boat. The liability coverage covers the damage to other vehicles if you are involved in accident. The uninsured boat coverage covers your boat’s replacement and repairs in case there is any collision with another boat that is uninsured.

Other optional coverage that you may get is emergency services, repairs, wreck removal, etc. Wreck removal insurance can help you raise a wrecked or sunken boat so that the insurance provider can access the damages to decide your claim. It is quite expensive to repair or replace a boat; however, if you have insurance coverage, you can easily get your boat repaired. You should make sure that you choose an effective insurance policy that comes with affordable premiums. These usual

ly depend on age, gender, type of boat and your location. You should try to choose a policy that covers physical damage coverage, liability coverage, uninsured boat coverage, towing and assistance coverage and

medical payments.

It is essential that you invest in boat insurance in order to protect your investment. If you have bought a boat, you should immediately get the policy; however, it is crucial that you choose the right insurance provider. You should research about the insurance company and ensure that they offer the best coverage at affordable premiums.

We, at Shawn Camp Insurance Agency, Inc. help you choose from a wide range of boat and watercraft insurance policies available in Killeen, TX. For details, call us at (254) 526-0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also visit our website to request a quick online quote.

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