Keep Your Boat And Passengers Safe With Watercraft Insurance

by Administrator 19. August 2014 05:31

When it comes to boat travel one of the most important concerns is safety. Boat travel can be an exhilarating activity and it is one of the most practiced recreational activities in many parts of the world. If you are a boat owner and want to give your passengers a truly memorable and worry-free experience then safety should be your paramount concern which should never be taken lightly. Boats and passengers can be susceptible to a number of safety and security concerns and the best way to keep both safe is by taking out a watercraft insurance policy. A watercraft insurance policy safeguards your boat and its passengers against a number of common problems, events and accidents that you might face.

When it comes to boat travel, one of the most important concerns is safety. Boat travel can be an exhilarating activity, and it is one of the most practiced recreational activities in many parts of the world. If you are a boat owner and want to give your passengers a truly memorable, worry-free experience, safety is a paramount concern which should never be taken lightly. Boats and passengers can be susceptible to a number of safety and security concerns, and the best way to keep both safe is by taking out a watercraft insurance policy. A watercraft insurance policy safeguards your boat and its passengers against a number of common problems, events and accidents that you might face, and gives you the peace of mind.

Watercraft Insurance

Many people take their recreational boat rides as a serious passion and there are a number of different kinds of boats that you can possess and use. Boats can be used for personal use and can be rented or chartered out as well. There are different kinds of watercraft policies offering different kinds of coverage parameters and factors depending on their usage. Typically, homeowners’ insurance policy does not extend to boats and taking out a watercraft insurance policy separately is a smart move to make.
Watercraft insurance policies can cover many things and can include different eventualities. These might include –

  • Physical injury caused in the event of a boat accident.
  • Property damage caused in the event of a boar accident.
  • Coverage against natural disasters like flooding and storms.
  • Coverage against agents like fires, vandalism and theft.
  • Specialized coverage for expensive equipment on board.
  • Removal or salvage coverage in case of accidents.
  • Towing costs coverage.
  • Consequential damage which provides coverage for natural wear and tear due to exposure to water and the elements.

Factors which influence the kind of terms you are likely to get when you insure your boat depend on the size and nature of your boat, its age, condition, frequency of use and local factors. As is evident, taking out watercraft insurance can protect you against almost all possible kinds of boat-related incidents or problems and it is a sure way to stay free from worries and enjoy your recreational hours with your boat. It is highly recommended that you consider shopping around and select the best watercraft insurance in Killeen that you can find, to preserve the life of your boat and protect your passengers for years to come.

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Things You Should Know About Homeowners Insurance

by Administrator 21. July 2014 12:26

Homeowners insurance is vital for the security of your home and to safeguard your financial investment.  A standard homeowners insurance policy offers an array of coverage including coverage for the structure of your home, your belongings, liability protection and other expenses in case of an unfortunate incident. All your personal belongings and investment are secure with the appropriate homeowners insurance. Even if you are renting out your property to someone you still need homeowner insurance that covers any reimburses for the rent that you would have collected from your tenant in case of damages to the home. Here are some of the broad categories covered under a homeowner’s insurance policy.

  • Structure of the house: The policy covers any repair or rebuilding expenses that maybe required in case of destruction or damage to property during fire, hailstorm, hurricane, lighting or any other disasters. The insurance also offers coverage for detachable structures such as tool shed, garage, etc and by discussing your needs with your insurance provider you can get more options and detailed coverage.
  • Your personal belongings: The homeowner insurance plans often cover the personal belongings in the home including your clothes, furniture, personal and expensive items. To insure the expensive items to its appraised value, you should purchase personal property endorsement plan, which also includes coverage in case these items are lost. The standard homeowners insurance also covers trees, shrubs, and plants though it doesn’t cover damages due to disease.
  • Additional living expenses: The homeowners insurance pays for any costs of living in case the current house in not livable. The house may get damaged due to fire, storm or any other insured disaster. In such case, the insurance covers hotel bills, restaurant meals and other expenses incurred while your house is rebuilt. The coverage for additional living expenses varies from company to company and by paying an additional premium, you can have additional coverage.
  • Liability protection: The home insurance covers any lawsuits for bodily injuries or property damage that occurs to any one at your home which also includes any injuries to your pet. Any damages to your neighbors due to your actions are also covered. The home insurance covers no-fault medical bills and the costs of defending you in court along with any court awards.

For more details on home owners insurance coverage, you can consult with agents at Shawn Camp Insurance Agency, Inc. You can call us at (254) 526-0535.

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Bodily Injury and Property Damage Liability

by Administrator 14. July 2014 07:28

Bodily Injury (BI) and Property Damage Liability (PD) coverage are the most important aspects of your auto insurance policy. If you are involved in an accident that was your fault, then Property Damage Liability pays for the damage caused to the other car. It also covers you if the other person files a lawsuit against you. In case the person concerned is injured then Bodily Injury pays for their medical expenses for their physical injuries.

Bodily Injury - What it covers:

This insurance policy is meant to cover for medical expenses of the person injured in accident because of your fault. This policy covers for lost income from time off work, long term nursing care and any legal lawsuits filed against you. However, there is an exception to this policy which states that this policy will not cover for damages caused by accident intentionally. Therefore, a policy should be clearly read to see what aspects are covered in case you are involved in an accident.

Bodily Injury Coverage is required in most states for people who own cars and minimum required limits are controlled and managed by each state.

Property Damage Liability – What it covers:

When you damage other person's property and damage their properties, PD helps pays for all the expenses thus incurred. Any damages, fixtures and repairs involved, damages to property like fence, house, and vehicles are covered under this policy. If the person who suffered damages to their property has filed lawsuit against you PD covers that as well.

Most states require an auto owner to have some form of liability insurance and property liability insurance ensures all the damages caused by you are covered.

Amount of coverage needed:

The amount of coverage that is needed depends on each individual and also the fact how much you want to protect your income and assets. BI has two bodily injury limits namely, limit per person pays for only one person involved in accident and limit per accident pays for medical expenses when multiple people are injured in the car accident. For Bodily Injury, it is important to buy the highest bodily injury liability coverage limit that you can afford. If the insurance amount is not sufficient to pay for the damages then you are putting your assets at risk. PD covers damages and repairs of damaged vehicles and damaged Property like fence, house etc.

Insurance policies can protect you from a lot of problems that are unseen until you find yourself in an accident. we, at Shawn Camp Insurance Agency Inc, are an independent insurance agency in Texas specializing in auto insurance. We have flexible insurance policies to fit each and every budget. For more information on our insurance policies, call at (254) 526-0535

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Cost Saving Tips For Your Motorcycle Insurance

by Administrator 7. July 2014 09:47

Motorcycle insurance is one way of protecting you and your bike from damages. Lately the rates of insurance policies seem to be going up and some individuals are overpaying for their insurance policies, when they clearly can save on premiums that they pay to the insurance companies. The cost of motorcycle insurance is dependent on risk and amount of protection sought. Therefore, by following the given below steps, you can significantly lower your premium amount.

  • Increasing the deductible – By paying the larger amount of any loss, you can bring down the cost of your monthly premium by a great margin. Higher the deductible, smaller will be the cost.  You can gain this information from your insurance company about the amount you can save by raising your deductible amount.
  • Choosing the right bike – Exotic and sport bikes are more expensive to repair and usually have higher insurance premium amounts than an average bike. Also, such bikes are more likely to be stolen because of their make and hence making a claim costs higher.
  • Dropping full coverage – Dropping unnecessary coverage plans like comprehensive and collision coverage can be a good idea if your bike is old. Even guest passenger liability coverage can be dropped if you frequently ride alone.
  • Asking for Discounts – Some insurance companies do not let their customers know of the discounts on their coverage plans. Therefore, it is recommended to inquire beforehand about the discounts that the company offers.
  • Get More Experience – Motorcyclists who aren't much experienced with riding bikes are involved in more accidents as compared to experienced ones. By showing that you are an experienced rider, you can take a motorbike training course. Insurance companies give premium reduction to those who pass these tests.
  • Storing the bike safely – If you want to keep your bike safe, you should store them safely. Bikes that are parked for extended periods of time are easy targets for thieves.
  • Improving financial responsibility – Companies maintain a credit report for their customers and determine how much they pay on premiums. By keeping your credit payments low and paying bills on time, companies can reduce their charges on how much you pay for insurance

Motorcycle insurance rates keep varying from one company to another. It is advisable to choose the right insurance cover from a reputable company for your bike if you intend to save big on your insurance policy.

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Don’t Fall Short on Car Maintenance: Insurance Killeen

by Administrator 4. June 2014 11:51

Car maintenance is a very important aspect that an insurance company looks into before settling a claim. When you get involved in an accident and claim insurance you should make sure that your car was fully maintained in the first place. If this is not the case, you might not get the insurance money.

Read on to know what all aspects you need to take care of so that you don’t fall short on car maintenance.

  • Improperly inflated tires are one of the major causes of accidents. In case of a deflated tire, you might also find yourself stranded alone on the roadside. Therefore, a tire pressure gauge must be used to maintain the correct inflation levels. Tire manufacturers are experts in this and you must contact one to know the right tire pressure for your automobile.
  • In case your power steering fails, it is almost impossible to control your car. So, it is imperative to check the power steering fluid to keep it functioning smoothly.
  • Similarly, you must also check for the correct oil level in your car. Simply use a dipstick to know the exact level of oil. Changing oil on a regular basis is highly recommended as this is one of the important factors that keep your car running smoothly. This will also help you determine any oil leakages and prevent any accident.
  • Regular maintenance of any car involves checking the brake pads. They are very important in case you want to prevent an accident. If your brakes are not in a good condition and you get involved in accident because of the same, the insurance company will not entertain any of your claim requests. So, be careful and get your brake pads maintained on a regular basis.
  • As mentioned above, the pressure in your car tires is an important factor that can prevent road accidents. However, the tires themselves have to be well-maintained too. You must regularly check your tires for any sort of wear and tear. Any bulges must be immediately taken into account as they can cause your car to skid on the road leading to a major accident.
  • If even a single light in your car is not functioning properly, it is a really dangerous sign as far as road safety is concerned. Moreover, when the insurance company will come to know about it, you are bound to lose your monetary claim. Therefore, regularly maintain your brake lights, turn signals and reverse lights etc. This is a very important criterion for preventing accidents.

Keeping the above pointers in mind will keep your car in the best of shape and avoid road accidents. In case you fall short in any of these departments and get involved in an automobile accident, the insurance company is not going to be kind to you.

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Tips On Shopping For Auto Insurance In Killeen

by Administrator 18. March 2014 12:19

If you have decided to buy auto insurance in Killeen, there are certain things that you need to consider. You must understand the ins and outs of auto insurance to get the best policy for the money you spend. Here are some tips that can help you get the best in terms of auto insurance.

  • Factors that affect rate: Some of the factors that influence your insurance rates include your driving record, geographic territory, gender, age, marital status, previous insurance coverage, make/model of your vehicle and vehicle use.
  • Check commonly available optional coverage: Besides basic liability package, the other coverage options available are collision, comprehensive coverage, medical payments coverage, towing and labor coverage, rental reimbursement coverage, etc.  It is to be noted that collision coverage which covers damages caused due to collision, is more expensive than comprehensive coverage, which pays for damages to your auto due to other causes such as fire, vandalism, severe weather, theft, flood, etc.
  • Get multiple quotations: To get the best deal on your auto insurance policy, get quotation from a number of insurance companies and compare their quotes. To get competitive prices provide detailed information to all the agents including details of vehicle, its use, driving license details, coverage and limits, etc.
  • Read the policy cautiously: An auto insurance policy is a legal contract between the insurance provider and the buyer. It has all the rights and responsibilities of both the parties clearly stated, so it is crucial to read the policy.  While reading the policy make sure you understand all the terms and conditions. In case you have any queries, you can contact your insurance agent for any clarification.

There are many things to consider while selecting your auto insurance policy. We, at Shawn Camp Insurance Agency, Inc, can guide you to choose the most suitable auto insurance policy for you. Call us at (800) 212-2641 for more information.

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Killeen Insurance: Essential Tips For Safer Biking

by Administrator 11. March 2014 09:17

Bike accidents are common and often prove to be fatal; therefore, it is important for people to know about some safety measures that they need to adopt while on road. Before you set off biking, be prepared and give priority to your safety. Here are some tips that will greatly help you remain safe on the road.

  • Do not Drink & Drive: While on the road, use your common sense and never ride while drunk.
  • Wear Helmet: It is found that most of the accidental deaths occur due to severe injuries to head; therefore, it is crucial to wear a good quality helmet when you ride a bicycle or a motorbike. It is also important to replace it after every couple of years, as sun’s ultraviolet radiations, wear and tear over time, and other factors reduce the effectiveness of helmet and make it unsafe. Ensure that your helmet covers your forehead.
  • Wear protective clothes: Wear suitable clothes that can reduce the impact if you accidently fall or rub against the road. Special biking jackets and boots protect you from road and save you from breaking a limb or scratching your skin.
  • Remain visible: If you are riding at night, then it is essential that you wear reflective clothes or fluorescent colored clothes so that you are visible from a distance. You should also have a white light in front and a red light at the back of your bike. Many accidents take place because vehicle drivers fail to see bikers in dark and hit them unknowingly. Increase your chances of being noticed and remain safe.
  • Follow road rules and keep distance: To be safe, always ride on the right side of the road and follow all the traffic rules. Watch for pedestrians, potholes, and rubbish. Use special lanes (if there are any) and ride away from parked vehicles. Ride on a safe route and slow down near lined up vehicles. Keeping distance from vehicles ahead, gives you time to react to vehicles and road conditions; therefore, always ride at a safe distance.
  • Learn riding from a professional: Though it is convenient and cheap to learn bike riding from a friend or an elder; however, it is better to learn it from a trained professional at an accredited training school. They will not only teach you riding, but also help you secure insurance.

Be alert and avoid situations that can lead to accidents. Following these tips will help you enjoy a safe ride.

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Killeen Auto Insurance

by Administrator 11. December 2013 06:50

Shawn Camp Insurance Agency, Inc is an insurance company based in Copperas Cove, TX, serving various locations across Central Texas, including Killeen and Austin. If you are looking for auto insurance in any of these locations, our comprehensive insurance plans can provide you with the coverage you need, within your budget. Being one of the leading insurance companies in the region, we offer our customers a wide range of insurance options from different companies, including Progressive Insurance, to choose from.

We are a family-owned insurance company, which makes it possible for us to ensure a high level of personalized care and flexibility to each of our customers. We provide you with a wide variety of options when it comes to auto insurance, making it possible for you to customize your policy as per your requirements.

Our auto insurance includes bodily injury and property damage liability, which provides coverage in the event that you are involved in an accident in which you or another person is injured, or you cause damage to someone else’s property. You can choose between getting the minimum liability coverage in Texas, or opting for our plans with higher liability coverage. The comprehensive and collision coverage pays for the repair or replacement of your car in case of theft or damage. By opting for our comprehensive auto insurance, you are also covered for damage caused by events like vandalism, fire, floods, etc.

Another coverage that you can opt for is uninsured or underinsured motorist coverage, which covers injuries or damages incurred in an accident in which the person at fault does not have any insurance at all, or is underinsured. In addition to this, we also provide loan/ lease payoff coverage, which comes into play in the event that your vehicle undergoes complete loss, or is stolen and not recovered. In order to add this coverage to your policy, you need to have both comprehensive and collision coverage.

If you are looking for auto insurance in Killeen or the surrounding areas, you can contact our representatives at (800) 212-2641 to learn more about the coverage options we provide. Apart from those discussed above, we also provide roadside assistance, pet injury coverage, rental reimbursement, medical payments, custom parts and equipment/ accessory coverage. Our aim with all our auto insurance policies remains to ensure that you get the necessary protection for your vehicle, yourself, and your passengers. Apart from car insurance, we also provide RV insurance, motorbike insurance, and commercial vehicle insurance.

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Before You Buy Home Insurance

by Administrator 16. September 2013 11:27

As much as every homeowner wishes that they never have to use their home insurance, it is an inevitable expenditure, which is a vital part of protecting your home. With all the intricacies involved in purchasing home insurance, it can be tricky to know what you need and what you don’t, and to find the best deal for your needs.

Shawn Camp Insurance is a Texas-based insurance agency, which serves customers in Austin, Killeen, Harker Heights, and several other locations in Texas. We are dedicated to helping you to find the right deal on your home insurance policy. Whether you are a homeowner or a renter, we can help you get the best and cheapest home insurance policy to protect your possessions. 

Enlisted below are some key facts that you should be aware of before you buy home insurance:

  • The basic coverage that most home insurance policies includes is the house itself, garages/ work-sheds/ other separate structures, possessions in the house, and liability exposure for the owners as well as guests on the property.
  • Even though the law in most states does not require homeowners to have insurance, most mortgage lenders in Austin and other cities in Texas require it in their contracts. 
  • The premium of the insurance policy is affected by the value of the property, the credit score of the policy holder, the general safety of the locality (crime rate, proximity to fire services/ police), catastrophic probability, structure of the house (wood versus brick), etc. 
  • Home insurance policies typically have inclusions such as floods, landslides, earthquakes, power failure, nuclear hazard, mold damage, etc. You might want to consider supplemental coverage if you live in an area that is prone to damage that is not included in your policy.
  • The coverage for personal possessions like jewelry, cash, etc. is also limited. However, most insurance companies have a provision for customers to purchase riders that can increase the coverage of particular items. 
  • The interesting thing about a homeowners insurance policy, is that it can also be used to protect possessions that are outside the home. For instance, if some personal belonging of yours is stolen from your car, it is possible to receive compensation for it from your homeowners insurance policy.
  • Preventive actions like a working smoke alarm, a burglar alarm, a fence around your pool, etc. can go a long way in bringing down the cost of your home insurance premium. 

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Insurance For Different Types of Bikes In Austin TX

by Administrator 18. July 2013 04:46

A motorbike is a highly valued possession that any individual would own. To ensure that you have financial resources to fall back upon in case this prized possession of yours is stolen or something untoward happens, it is always a wise decision to go in for insurance.

We, at Shawn Camp Insurance are a leading insurance group in the region when it comes to motorbikes. We let you build a customized policy to fit your needs. Our standout feature is the round the clock insurance assistance provided to the customers. So any time you have a query regarding our motorcycle insurance, you can get in touch with our team by visiting www.shawncampinsurance.com

Read on to know about the various options that you could avail for bike insurance with us:

  • Depending upon your specific requirements, you can choose a motorbike insurance plan that is just right for you. You can avail various insurance plans such as Accessory Coverage, Medical Payments, and Comprehensive and Collision Coverage, just to name a few. You just have to give a motorcycle insurance quote and can get in-depth information about the appropriate options for you.
  • The biggest advantage that you have with our insurance company is that we are not just restricted to the motorcycle segment. If you are looking for insuring any kind of two-wheeler, you can easily do so. Some of the prominent segments covered by us are: scooter insurance, motorcycle insurance, classic motorcycle insurance, dirt bike insurance, and motocross insurance.
  • Motorcycle insurance quotes from our website are available round the clock. This allows you to review your options regularly and go for a coverage plan that justifies your requirements for your motorbike.
  • Once you have taken a policy, but wish to change it later on, you can do that conveniently. All you are required to do is fill an online form requesting a change in policy, and select the new policy service option you would like to go for.

So if you are looking for getting the best insurance coverage for your bike, then choose Shawn Camp Insurance. You get the best deals and save money as well!

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