RV (Recreational Vehicle) insurance offers number of perks to the owner irrespective of whether the vehicle is used full-time or sporadically. This type of insurance covers all types of recreational vehicles such as folding camper trailers, motor homes, towable travel trailers, motor coaches, etc.

Reasons why RV insurance is important are listed below:

• Legal Requirement: This type of insurance is a legal requirement that varies from state to state. Each state has a different law governing the minimum requirement for RV insurance based on the size, make, driving history, model of the vehicle and other factors.
• Liability Coverage: The insurance protects the owner of the RV from liabilities that ensue from an accident caused by him. It covers expenses related to property damage, legal liabilities, first-aid, injuries and others.
• Provides Collision Protection: If your RV collides with another vehicle or stationery object, the insurance covers any loss or damage irrespective of whether it is your fault or not.
• Provides Roadside Assistance: In case of an emergency on the road in the form of a dead battery, lock-out, electrical breakdown, entrapment in water, snow, mud, etc.; roadside assistance will be at your rescue no matter where you are.
• Flexibility Of Coverage: The amount of coverage to be purchased depends upon the individual requirements of an RV owner. In case one needs additional coverage for additional equipment on the RV, enhancements, accessories, etc., he can increase the coverage up to the limit provided. RV owners can also avail uninsured motorist coverage, underinsured coverage, limited pet coverage and others as per the needs.
• Protects Valuables: RV insurance provides protection for personal valuables in the RV or anything attached to it. These items include cooking appliances, satellite dishes, furniture, sporting and camping supplies, jewelry items, watches, etc.

Shawn Camp Insurance Agency, Inc. offers RV insurance to its customers in Killeen, TX. The coverage options provided include Bodily Injury & Property Damage Liability, Roadside Assistance, Medical Coverage, Personal Liability, etc. To know more about the importance of RV insurance, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also call at (254) 526 – 0535.

View Full Image

View Full Image

View Full Image

Insurance coverage refers to the amount of liability or risk covered by insurance services. There are a variety of insurance coverage for different types of protection from sudden and unforeseen eventualities. Examples of insurance coverage include homeowners insurance, motorcycle insurance, auto insurance and others.

Each type of insurance coverage is important in its own unique way based on the amount and kind of coverage provided. The following is a list of different types of insurance coverage and their importance:

• Auto Insurance: This is an insurance that is required by the law of most states for bodily injury and property damage liability, personal injury protection, covering the cost of a car in case of collision, comprehensive coverage and protection from uninsured or underinsured motorists.
• Homeowners Insurance: This insurance coverage is important for those who want to protect themselves against the cost of damage caused to building of their home and its attached structures. It also provides protection against financial losses caused by theft, additional living expenses, personal liability, medical payments coverage, etc.
• Renters Insurance: It is a form of insurance that covers the losses to personal property and liability claims in a rented apartment or home. A renters insurance covers the contents of your rented dwelling against perils such as fire and lightning, accidents, thefts, vandalism, riots, and windstorms. It also provides liability coverage if someone is injured in your rented home and files a lawsuit against you.
• RV Insurance: Owners of recreational vehicles require a comprehensive RV insurance coverage to be financially protected from the cost of treating injuries and repairing damages in case of an accident. Insurance coverages are offered for recreational vehicles including motor homes (classes A, B and C), motor coaches, camper vans and travel trainers. Coverage options include Bodily Injury & Property Damage Liability, Uninsured/Underinsured Motorists, Medical Payments, Roadside Assistance, etc.
• Motorcycle Insurance: A motorcycle insurance provides financial protection in case of an accident or theft of your motorcycle. Factors including past driving record, credit history, driver’s place of residence, age, etc. determine the type of motorcycle insurance plan. Coverage options offered are Bodily Injury & Property Damage Liability, Comprehensive and Collision, Custom Parts and Equipment, etc.
• Boat Insurance: A boat insurance covers you for loss, damage, theft or injury risks to your watercraft and its occupants. Insurance plans include options such as Roadside Assistance, On-Water Towing, Total Loss Replacement, and more. Specific coverage plans are also available like personal watercraft insurance, jet boat insurance, sailboat insurance, fishing boat insurance or house boat insurance.

Shawn Camp Insurance Agency, Inc. offers a wide range of insurance plans including home insurance, motorcycle insurance, auto insurance, RV insurance and boat insurance. For further details on understanding the importance of different insurance coverages, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also call at: (254) 526 – 0535.

View Full Image

View Full Image

Whether you are renting or have purchased a home, it is necessary to have an insurance coverage in both the scenarios. Both homeowners and renters insurance provide financial protection against any kind of property damage, legal liabilities, medical payments and other costs.

However, there are some basic differences between homeowners and renters insurance:

• Coverage: The main point differentiating a homeowners and renters insurance is that the coverage plan for a homeowners insurance covers the house in which the owner lives and any other building structure like a garage or a storage shed attached to it.  Whereas, a renters insurance does not cover the building. It provides coverage to the belongings of a tenant in a rental property.
• Cost: A homeowners insurance is understandably costly as it provides coverage for the entire structure of a house and the belongings therein. Renters insurance is more affordable as it covers belongings except dwelling coverage. The covered perils in both these insurance plans can also differ which in turns affects the cost of coverage.
• Coverage For Personal Property: For a renters insurance, personal property coverage is the most important as it is the main feature and a factor in determining the cost of the insurance. A standard homeowners insurance plan also provides coverage for personal property, but it is not the main driving feature.

• Buying An Insurance Plan: Both the property owners and the tenant should have extensive knowledge about the value of their possessions to ensure that the insurance provides enough coverage. For homeowners insurance, the dwelling coverage should be set at or above the replacement cost of the home. A homeowner can buy additional insurance to cover the replacement value of his belongings in the home. Personal property coverage for renters insurance should be sufficient to cover the value of their possessions. In case of damage caused by a covered peril, the insurance will reimburse the replacement cost of the possessions that have been damaged.

Shawn Camp Insurance Agency, Inc. provides homeowners and renters insurance to its clients. The agency also offers a variety of other insurance plans. To know more about difference between homeowners and renters insurance, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also call at (254) 526 – 0535.

View Full Image

View Full Image