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.

Tags: , , , ,

Overview Of Boat Insurance In Killeen

by Administrator 16. November 2018 09:01


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.



Coverage Options For Boat Insurance

by Administrator 23. April 2018 12:09

Tags: ,

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.

Tags: ,