If you live in a rental property in Killeen, you need to protect your belongings with a renters insurance policy. Your landlord’s insurance policy is for the protection of the home and does not offer any financial coverage for your possessions. Therefore, get in touch with an insurance agent to get renters insurance for:

• Personal possessions
• Liability protection
• Additional living expenses

Following is a checklist that can help you choose the right insurance policy:

• Coverage Required: You need to have enough insurance that can provide coverage for most of your personal possessions in case of a theft, fire or any other disaster. Create a detailed list of all the items that you have in the house and write down their estimated value. This will help to determine how much insurance you require.
• Disasters Included In Policy: Renters insurance will provide protection for any loss caused by fire, theft, sabotage, lightning, windstorm and water damage. Most renters insurance policies do not provide protection in case of a flood or earthquake. So, make sure you discuss your requirements with your insurance agent.
• Liability Protection: It provides coverage against lawsuits in instances of bodily injury or damage done to the property by you, your family members or pets. You will get financial support for defending yourself in the court as well as paying for the damages as ordered by the court verdict. See whether your policy provides sufficient liability coverage.
• Coverage Provided For Damage Caused By Disaster: If a situation arises where your home in Killeen is completely damaged due to a disaster and you are required to stay somewhere else, renters insurance provides you compensation for Additional Living Expenses (ALE). All your hotel expenses, restaurant meal bills, temporary rental expenses and all other costs incurred while your home is being re-built are covered in ALE. However, there is a certain upper limit in this coverage and it may differ from one insurance provider to the other.
• Coverage Provide During Vacation: Renters insurance policies also provide coverage for your possessions if they are damaged outside the house. For example: your belongings could be stolen from your car when you are out on a vacation. Some companies set a limit on the off-premises coverage and provide only a certain percentage of the amount of your personal possessions insurance.
• Discounts Available: You can ask for discounts on renters insurance if you have installed a security system, smoke detectors or other safety features in your home. You can also consider bundling your policies to be eligible for discounts.

We, at Shawn Camp Insurance Agency, Inc., offer affordable renters insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535.

If you own a boat and are fond of hitting the ocean for fishing or just a splash, make this experience a pleasurable one by investing in a good insurance policy that protects you as well as your boat. No matter what the size of your boat is, protection against financial and accidental damages must be your priority. There are many agents in Killeen, Texas who provide watercraft insurance but before you make the purchase, take care of the following points:

• Don’t be over insured: Read the policy document carefully and understand what all is covered. Your boat and its usage may not require some of the coverages and you can omit them to bring your monthly payouts down.
• Multi policy benefits: If you already have an auto or homeowner’s insurance, check with the insurer if you could include boat insurance in it so you can avail a good discount. Usually when people bundle their insurance policies, the deal struck is beneficial.
• Have a good driving record: If you are a good driver, you are less likely to file for claims, hence you may get good discounts and less monthly premiums. Have a good record and be cautious of violating boating rules.
• Take proper training: If you are a trained boat driver, you may get better insurance deals as then the company may be assured that you will cause less damages. It is therefore wise to have a boat safety education proof so discounts come your way.
• Type of use: If your boat will be used only for inland operations, you are more likely to get better discounts. The insurer may also ask in which oceans/areas you intend to sail your boat for use before determining the liability.
• Buy some safety gear for boat: If the insurer sees that you already have a safety gear in place, you are likely to get more discounts. This gear is anyway useful for a safe boat ride and thus if you intend to buy it at a later date, do it before buying an insurance to avail better rates.
• Compare policies: Killeen area is dotted with many service providers thus shopping around is a good way to save costs. Compare quotes of at least two or three on the basis of discounts, coverage etc. and then zero down on the best insurance agency.

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of boat insurance policies to the clients in Killeen, TX. For more information, you can call us at (254) 526 – 0535.

If you are considering moving into a rented house in Killeen, make sure you also buy a renters insurance policy as it may help you in the long run. Many people think that in case of any ill happening, they will be covered under the landlord’s insurance policy but this is not true. Their policy covers the structure of the house and not your belongings inside it.

Following are some benefits of investing in a renter policy:

• Protects your personal belongings: All the stuff in the house is covered under this policy and thus if there is any damage, you can claim it. You must evaluate all the causes of damage covered under a particular policy so you can estimate how safe you are in case of losses. Natural calamities like earthquake and floods are usually not included and if you live in an area prone to such disasters, buy a separate policy for such damages.
• The landlord’s requirement: Some landlords insist that their tenants buy such a policy as it assures them that their property will be in safe hands. Sometimes the landlord’s insurers also ask for such a policy so some part of the damage claim can be transferred on to the renter’s policy.
• It is not very costly: There are many insurance carriers in Texas, hence buying a renters policy may not be a costly hit on your pocket. Also, there are many things which can be deducted from the policy based on your needs, hence making renters insurance more economical.
• Liability coverage: This means that if a guest is harmed at your property, the insurance will cover legal and medical expenses for him. This will safeguard you in case of any injury or unfortunate accident in your rented home.
• Cover against all losses: You can also consider including travel time while covering various items. These items could also be inside your car and if damaged, they will be liable for claim. This protects you in case of theft etc. Check with your insurers about other such options before making a decision.
• Additional living expenses: Some policies also cover the expenses that you may incur in case you need to stay outside the premises due to incidents like fire, break down etc. All the temporary expenses like food, hotel etc. will be part of the policy.

We, at Shawn Camp Insurance Agency, Inc. provide affordable renters insurance in Killeen, TX. For more information, you can call us at (254) 526 – 0535.

Before buying a homeowners insurance policy, simply reading the policy is not enough. It is necessary that you ask the questions which will not only make your purchase easy but also help you choose a plan which suits your particular needs. Here are some of the important aspects you need to inquire from your insurance agent:

• Market or Replacement value: Ask whether the insurance company will give you the sale price of your house in case it is completely damaged or if they will pay the amount required to rebuild the house.
• Personal property coverage: You must know the total amount your insurance policy will pay if your personal assets like clothing, artifacts, furniture etc. are damaged or stolen from the property. This particularly seems necessary if you have expensive personal items like paintings or jewelry.
• Protection clauses: There is a liability portion in your policy which covers court settlements and expenses in case someone is harmed on your property or your family member has caused any damage to someone physically or to their property. This also covers your pets. Ask what portion of your policy is reserved specifically for this purpose.
• Extent of deductibles: Deductibles refers to the amount that you will have to pay in case of any damages. The rest of the amount is paid by the insurance company, up to the limits of your insurance policy. The higher the deductible, lower are the monthly premiums but do keep this amount to a limit that you can afford.
• Natural calamities: You must ask if natural calamities like earthquake and floods are covered in the policy. Most policies exclude damages from these perils and in case you live in an area prone to such disasters, it is advised that you ask for its inclusion.
• Additional Living Expense: If, for some reason, you are not able to live in your current house due to complete loss of property etc. your policy may cover the expenses that you will incur on rent, hotel bills, meals etc. This is provided if the cause of inability to stay in the house is covered under insurance.
• Claim recovery time: You must also ask how much time the company usually takes to pay a claim. For this, it is advised to conduct a proper research to determine the reputation of the company and check if it approves the claims in a timely manner.
• Ask for discounts: Do not be hesitant to ask for any discounts. There is so much competition in the market that a good insurance company will definitely offer you a discount if they truly value an association with you.

We, at Shawn Camp Insurance Agency, Inc., offer affordable home insurance in Killeen, TX. For more information or request a quote, feel free to call us at (254) 526 – 0535.

Insuring your motorcycle will give you peace of mind and help to enjoy your bike ride to the fullest. Every bike owner wants to know what all coverage is required for his vehicle and how he can save money on overall insurance costs. There are several questions that you need to be clear about. Following are some of the commonly asked queries about motorcycle insurance:

How much cost do I need to incur for my policy?

While some states require you to get a certain type of coverage for your bike, others may not make it mandatory. Broadly, you require two major types of coverage in your motorcycle insurance policy – Uninsured Motorist Coverage and Bodily Injury Liability. The rates for both these types need to be at least $100,000 per person/$300,000 per occurrence.

How is my motorcycle insurance rate determined?

Some of the factors that establish your insurance rate are:

• Type of motorcycle you own
• The area where you reside
• Your driving history
• Age
• The types of coverage mandatory for your bike under state law
• Your financial history

Is my optional equipment covered?

If you have got a customized seat or a special part in your motorcycle after buying from the manufacturer, make sure to ask your insurer if all the optional equipment are covered in the policy. There are many policy providers who give comprehensive coverage but it may differ from agent to agent.

Should I buy collision coverage if I possess an old bike?

This will entirely depend on your situation. If you think your bike is less in worth than the amount of money you are paying for collision coverage, it is advisable to limit or drop collision coverage. However, if you are still repaying your motorcycle loan, the bank will require you to protect its investment with collision and comprehensive coverages. In case you completely let go off this coverage, you will have to incur the entire cost of repair or replacement. Therefore, you need to find a middle path and balance both the factors.

Can I avail any discounts?

There are some insurance agencies that offer multi-policy discounts. So, apart from your bike you can also buy another policy from the same insurance provider. Confirm from your respective agency as to what all multi-policy discounts they offer their customers. As far as motorcycle-specific discounts are concerned, you can get concession if you have undertaken safety courses, have an airbag or anti-lock brakes etc.

What are the available payment plans?

Most of the insurance agencies will give you the flexibility of paying your premium in full or installments. It is wise to confirm from your provider what all options they have in store for you.

If you are looking for affordable motorcycle insurance in Killeen, TX, feel free to contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535.

Home insurance is a necessity to safeguard your hard-earned property. A good home insurance policy provides you adequate coverage and gives financial support in case of an unforeseen crisis. With so many insurance companies in Killeen, TX offering extensive coverage options, it is important to perform comprehensive research before finalizing a particular one for your home insurance.

Once you decide to buy home insurance, it is imperative to know about the different ways in which you can save money. Some of these are:

• Multiple insurance policies: It is a wise decision to buy multiple policies from the same insurance agency so that you can save money. Many insurance agencies offer multi-policy discounts to attract more customers. For instance, you can buy auto insurance and home insurance from the same provider.
• Pay a higher deductible: In simple terms, your deductible is the amount you have to pay for a covered claim before you receive insurance benefits. Raising your deductible can actually help you save a lot on your premium every year. The higher amount you pay as deductible, the lesser you will have to pay for your policy. For example: you pay $250 as deductible and file a claim of $1000 in damage to your home. In this case, you will only have to pay only the first $250 and your insurer will pay the balance amount of $750.
• Location: Your place of residence is an important factor in determining your insurance policy premium. For instance, if you live in a safe neighborhood with minimal chances of theft, you may have to pay less for your home insurance. On the other hand, if you live in an area that is prone to storms and flooding or is unsafe, you will require additional coverage that can cause a dent in your pocket. So, make sure you buy a home in a safe location with all the amenities nearby.
• Maintain good credit: Most of the customers are not aware about the fact that many insurers favor a good credit history when it comes to deciding the premium for a home loan policy. Insurers have established that policyholders with poor credit are likely to make more claims. So they increase your rate to adjust for this potential threat that can occur in the future. If you maintain a good credit score, the insurance agency may cut down on the premium costs significantly. 

We, at Shawn Camp Insurance Agency, Inc., offer affordable home insurance in Killeen, TX. For details, you can call at (254) 526 – 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Anything can happen when you are on the road. You may be stuck mid way due to a flat tire, mechanical issue or running out of gas. At that time, you need assistance to reach the nearest garage or gas station. The situation can be quite frustrating and time consuming. It may come up as a big relief that most insurance companies in Killeen, TX offer roadside assistance that can save you all the hassles at a minimal cost. Most of the reputed carriers offer roadside assistance as an additional coverage to insure you against the hassles faced if the automobile breaks down. This coverage option is often provided as an inbuilt complimentary cover with car insurance plans.

Roadside assistance coverage includes:

• Towing: This feature includes towing of vehicle within a 15-mile radius or to the nearest auto repair shop. However, it does not include any costs of repairs made to your vehicle or any parts.
• Fuel Delivery: If you run out of gas, the coverage offers the facility to deliver the fuel directly to your location. You may be required to pay for the cost of fuel.
• Winching Service: The insurer arranges to pull your car out of an area with chain or motor-power cable. You can avail this service if your car is trapped in snow, water, mud and sand.
• Flat Tire Change: You can call roadside assistance services if you have a flat tire. A professional puts the spare tire on your car.
• Locksmith Service: Often, the situation becomes awkward when you accidently leave keys inside the car or get locked outside. The insurer will send a qualified service provider to replace the keys and help you get out of your car if you have roadside assistance cover.
• Battery Jump-start: You can call roadside assistance if the battery fails for jump-starting the car at the scene.
• Minor Repairs: Roadside assistance also provides minor repairs if you are stuck on the road in the mid of the journey.

The roadside assistance cover ensures that you receive prompt service.

To know more about roadside assistance, contact us at Shawn Camp Insurance Agency, Inc. You can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

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.

Boat insurance is an essential investment in order to protect yourself against costly repairs or financial liabilities arising out of unforeseen circumstances. Whether you own a personal watercraft, jet boat, sailboat, fishing boat, cabin cruiser, bass boat or house boat, you must purchase adequate insurance. However, with so many coverage options available, it can be quite difficult to make the decision.

Here are some of the common coverage options included in a boat insurance policy:

• Physical Damage Coverage: This includes damage caused to the boat, its engine, motor or other attached structures due to accidents or natural disasters.
• Bodily Injury Liability: In this, your insurance policy will pay for your as well as your fellow passengers’ medical bills in the event of an accident, regardless of who is at fault.
• Personal Liability: It provides coverage to another boat owner in case you are responsible for an accident on the water. Your policy will pay for the boat repair costs, medical care, lost wages and other financial losses incurred by the other party.
• Uninsured/Underinsured Bodily Injury: If you are involved in an accident due to the fault of an uninsured or underinsured boater, this coverage will pay for medical treatment, lost wages and other expenses incurred due to the accident.
• On-Water Towing: This is an additional coverage option that provides towing service in the event your boat breaks down in the middle of the sea due to a mechanical failure, insufficient fuel or an accident.
• Personal Effects Replacement: It provides coverage to your personal belongings stored on the boat such as clothes, electronic gadgets, water sports gear, boat hoists, lifts etc.
• Total Loss Replacement: This coverage comes into effect if your boat is completely damaged in an accident. The company will pay the cost to replace your boat, according to the current market value of the same make and model.
• Fuel Spill Liability and Wreckage Removal: It provides for the cost of cleaning up fuel and removing debris from the boat following an accident.

We, at Shawn Camp Insurance Agency, Inc., offer affordable boat insurance in Killeen, TX. Our agents will help you choose the most suitable insurance policy with extensive coverage and affordable premiums. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Riding a motorcycle without comprehensive insurance is not only risky but also illegal in many states. With the increased number of road accidents, insurance becomes a necessity to protect yourself against any sort of financial liability. However, you need not always spend a fortune to insure your motorcycle. Here are some of the tips that can help you help save on motorcycle insurance:

• Increase deductible: A deductible is the amount of money that you need to pay towards the insurance claim before the policy comes into effect. You can raise the deductible in order to reduce the premiums for motorcycle insurance. By increasing deductible by a few hundred dollars, you can save up to 30% on your total insurance cost.
• Avoid making frequent claims: To reduce your insurance rate, avoid filing claims for small and trivial damages. If you will make claims frequently for minor repairs, the insurance company is likely to charge a higher rate. Hence, you should try not to make more than one claim in a year. 
• Check for discounts: An insurance agency may offer discounts to motorcycle owners who use their bikes less often. It may also offer reduction in rates if your bike has some safety features installed or you have completed a driving course. By availing such discounts, you can easily save some money on your motorcycle insurance.
• Keep your driving record clean: To enjoy lower insurance rates, make sure you keep your driving records clean. A skilled driver may have to pay less for insurance as compared to one who is more susceptible to accidents. Avoid including any other driver with poor driving record to avoid paying hefty premiums. Having a teen rider in your policy can also make your insurance rates soar.
• Avoid paying coverage you do not need: You can skip the coverage that you do not need. For instance, if you are going to ride the motorcycle alone, you can avoid paying for guest passenger liability.
• Choose your motorcycle wisely: Certain sports models or high performance bikes are deemed risky by the insurance company. Therefore, you should choose your bike according to the premiums you are willing to pay. Make sure you do a thorough research before buying the bike.

We, at Shawn Camp Insurance Agency, Inc., offer a wide range of motorcycle insurance policies in Killeen, TX. Our agents will help you select the most suitable policy according to your budget and coverage requirements. For more information, you can call us at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542.