Renters insurance is important as it safeguards your personal belongings against any calamity, theft, fire, vandalism or crisis. It is quite common for tenants to overlook the importance of renter’s insurance policy, considering their property owner is responsible for damages caused to the property. However, the proprietor’s insurance would not cover your personal belongings in the rented home.

Here are some facts about renters insurance that you must know before investing in one:

• It provides liability coverage against any accident on the property that may leave your guest injured. In case the mishap occurred due to any negligence on your part, you may be held legally accountable to pay for the other party’s losses. In such situations, renters insurance can help to pay these expenses and ease your financial burden.
• Renters insurance covers all the valuable stuff you have in your home. Although there are exceptions to certain types of mishaps, the policy usually pays off to replace your belongings damaged in most emergencies such as earthquake, fire etc. Even your personal items damaged outside of the home may come under insurance coverage.
• The policy also provides living expenses in case your rental home becomes temporarily inhabitable due to the damages suffered. These may include the costs incurred for the hotel room, food, transportation and other daily necessities. 
• High-end items such as computer, jewelry, antique furniture and expensive paintings, may have to face certain limitations on coverage amount. Different renters insurance policies often have restrictions on the claim amount that can be filed for these types of items. You must carefully read the terms and conditions of your policy to make sure that most of the belongings are covered.
• If you own a pet, you may need to pay a higher premium for your renters insurance. Certain aggressive dog breeds, in particular, are considered precarious and may end up getting you a higher rate on your insurance.
• There are different types of coverage options available for renters insurance. It is essential that you understand your requirements before deciding on the one to buy. These may include coverage for the dwelling, personal property, attached structures etc.

We, at Shawn Camp Insurance Agency, Inc., provide affordable renters insurance in Killeen, TX. Our agents will help you understand the terms and conditions of different policies so that you can choose the one that is most suitable to you. For more information, you can call us at (254) 526 – 0535.

If you own a motorcycle, it is essential that you purchase insurance for it. Rash driving, bad weather conditions and poorly maintained roads can lead to accidents and cause damage to your vehicle. Besides, a comprehensive insurance policy is a legal requirement along with being a beneficial investment to protect your vehicle.

Here are some of the factors that you must consider to calculate risk and premium rates when buying motorcycle insurance:

• Type Of Coverage: You might need to pay a higher premium if you expand the coverage or choose a higher limit for your insurance. These may include medical bills, custom parts and equipment, guest passenger liability coverage etc. Make sure you carefully evaluate your coverage needs to avoid over-insuring and having unnecessary expenditures.
• Age: This is also a major factor influencing the cost of motorcycle insurance. Owing to less on-road experience of young drivers, they are likely to expect higher rates. Experienced drivers receive a lower interest rate and you can ask the agency if you can undertake a test to demonstrate your driving skills.
• Gender: Male drivers in the age group of 16 to 25 are quoted higher premiums, owing to the more miles that they travel per year. The insurance agency may offer lower premium to women, however, the rates tend to balance up with age.
• Riding Experience: If you have purchased a bike for the first time, you might have to bear higher insurance costs than the experienced drivers do. However, you can significantly lower this cost by completing motorcycle classes and submitting its proof along with your application form.
• Driving Record: This is an important factor determining the rate of your policy. Insurance agency always checks an applicants driving record to look for speeding tickets, DUI arrests or any accidents. Higher number of any of these corresponds to a higher premium amount.
• Location: The place where you live, work or park your motorcycle daily can also affect your insurance rate. If you live in an area with high crime rate, accident records and theft cases, you may need to pay a higher premium. Investing in a garage to store your bike or installing anti-theft devices can help to lower the insurance cost.

To buy affordable motorcycle insurance in Killeen, TX, you can contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

It is crucial to have auto insurance that can offer you adequate coverage in case of an accident. It is essential that you purchase a plan that is suitable to your budget and requirement.

Here are some steps that are helpful in applying for auto insurance:

• Research the available options: You must research and look for the most suitable plan or ask your insurance agent to do the research work for you.
• Know what coverage you need: Every state sets forth the minimum liability coverage required and you should be aware of it. You should be knowledgeable about your net worth, assets, how much protection you require, the type of coverage you need and the amount that you are prepared to pay as premiums. You can have comprehensive and collision coverage, which pays out when your car is damaged or lost.
• Factors that affect your insurance rates: There are many factors that may affect the rates of the insurance, which includes your driving record, record of other drivers on your policy, type of car, age of your vehicle, anti-theft devices, value of your vehicle, distance you drive every year, etc.
• Ask for discount: By taking an advanced training course and getting multiple insurances from the insurance provider you can be eligible to avail certain discounts. You must discuss this with the agent and ask for any discounts possible. 
• Get multiple quotes: To make comparisons, get multiple quotes for the same coverage so that you get a competitive plan. While comparing the quotes, make sure that the policy length is the same.
• Background of insurance company: After comparing the quotes, you must consider the details of the insurance company. It should boast of a good reputation in handling claims and offer good customer satisfaction.
• Read the policy document thoroughly: The insurance application should be correct and complete. Make sure you go through the application to ensure that it includes all the conditions under which you will be paid for a claim. Review your policy to confirm it contains what you selected. In case of any doubt, ask your agent about for clarification.
• Payment: Pay your premium in full and up front to save money. To avoid late payments, set up automatic recurring payment from your bank account. This will ensure that you don’t end up paying more or fines for your policy.

These steps can assist you in finding the auto insurance policy best suited to your needs.

If you have a RV such as a truck camper, folding camping trailer, travel trailer with expandable ends or a fifth-wheel travel trailer, it is crucial to have it insured. RV insurance is different from auto insurance and homeowner’s insurance policies, as it combines the features of both to cover all aspects of RV.

Here are some guidelines that will help you buy the right RV insurance:

• Liability coverage: You are required to have liability coverage even if you use the vehicle occasionally. Before buying an insurance policy, make sure it covers all potential injury claims. If your RV collides with another vehicle and damages it, the repair could be quite expensive. RV insurance pays for the damages to other vehicle and protects the driver as well.
• Roadside assistance and towing: Make sure that your RV insurance policy offers towing and roadside assistance because towing an RV can be quite expensive. It should also include emergency expense coverage, which covers temporary living quarters if your RV breaks down. It should also cover the cost of returning the RV to the home following an accident or breakdown when you are 50 miles away from your home.
• Stolen or totaled: ‘Agreed Value’ coverage means the insurance provider agrees upon an amount that will be paid to the insured in an event of total loss or theft.
• Total loss replacement coverage: You can also consider ‘Total Loss Replacement’ coverage as it offers to provide a new RV to the policyholder in case there is total loss or theft of the RV that is under five years old.
• Personal effects coverage: A specialty RV insurance policy offers personal effects coverage, which pays to replace the stolen personal property from your RV.
• Personal liability while on the road: This offers coverage for any trips and falls at the campsite where your RV is parked and for which you are held responsible.
• Vacation liability coverage: This covers any injuries that occur due to an accident that occurs during the time an RV is used as a temporary vacation residence.
• Uninsured driver insurance: This type of coverage protects the RV driver from personally paying for any damages to the RV done by an uninsured motorist.

We, at Shawn Camp Insurance Agency, Inc., can help you search for an RV insurance policy that best suits your requirements and budget. For more information about our insurance products, you can call at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Owning a home is a big investment and protecting it from potential risks is essential to safeguard your finances. A homeowner’s insurance policy protects the home as well as the personal belongings of the owner from unforeseen crisis or damage. It is even a pre-requisite for some mortgage lenders to approve your application for a home loan. However you must consider the various options and select a homeowner’s insurance policy that best suits your needs.

Here are some of the coverage options that you must consider while buying home insurance:

• Dwelling: This includes compensation to repair or rebuild the house, if damaged due to an event that is covered under the policy.
• Personal Property: This coverage pays for unintentional damage caused to your personal possessions within the house. These may include furniture, furnishings, clothes or electronic goods etc.
• Other Structures: At times, damage may be caused to various structures that are not in the house, such as storage shed or garage. This coverage option provides coverage for any damage to these structures and recompenses the cost to repair or rebuild them.
• Personal Liability: If a tenant or visitor gets injured while in your property premises, you may be held legally liable for the injuries and other damage caused to them. Personal liability helps to cover all your defense costs for any lawsuits in this situation.
• Medical Payments: This coverage pays for any medical bills incurred for any injury suffered by an individual on your property. It is also applicable if the injury occurs outside of your property premises. For instance, your dog bites someone in the neighborhood resulting in an injury.
• Loss Of Use: There may be times when you have to move out of your house while it is being restored, usually after substantial damage. In such situations, this option will pay for your additional living expenses, as covered in your home insurance policy. These may include hotel room charges, restaurant bills, transportation costs etc.

We, at Shawn Camp Insurance Agency, Inc., provide affordable home insurance in Killeen, TX. We offer flexible policies and coverage options to fit your budget as well as needs. For more information about our insurance products, you can call at (254) 526 – 0535 or visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

If you have recently rented a home, you should consider purchasing an affordable renters insurance policy. It safeguards your personal possessions in the event of inevitable circumstances such as fire, theft, water line leaks, vandalism etc. However, it is important to have sufficient knowledge about the renter’s insurance coverage in order to choose the policy that is most suitable for your needs.

Here are some of the factors that you must keep in mind while buying renters insurance:

• Choose The Right Coverage: While deciding on the amount of your renter’s insurance policy, make a list of all your possessions. It should include the type of item, its time of purchase, initial cost and current estimated worth. This will give you a clear idea of how much coverage you should get. Apart from your personal property, you must also include liability coverage in your policy which provides compensation for medical bills and other losses, if someone gets injured in your property.
• Evaluate The Different Coverage Types: The two types of coverage that are offered by most insurance agencies are actual cash value and replacement value. The former one considers the depreciation value of the covered items while settling the claim amount for any damage. In the latter option, claims are paid based upon the current market value of the item similar to one that has been damaged.
• Be Aware Of What Is Not Covered: Renters insurance generally provides coverage in many circumstances but there are certain situations when you may not be entitled to file a claim. These may include damage caused due to natural calamities like floods or earthquakes. Make sure you discuss all these things beforehand with your insurance agent.
• Choose A Higher Deductible: One of the biggest mistakes that most renters make is to opt for a lower deductible to be paid in the event of any damage. However, choosing a higher deductible is more profitable. Although this may require you to pay more at the time of settling a claim, higher deductibles will considerably lower your monthly premium costs.

We, at Shawn Camp Insurance Agency, Inc. provide renters insurance that perfectly fits your needs and budget. For more information, you can contact us at (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542.

A large number of motorcyclists are injured due to motor accidents, due to their own fault or careless driving of other bikers. If you own a motorcycle then you must have insurance for it. The policy covers for medical bills in case of an accident and also the cost of bike repair. However, due to a number of motorcycle insurance policies available, it is essential to know the details about each to make the right decision.

Here are some of the coverage options that you can consider while looking for motorcycle insurance:

• Medical payments: It covers the medical expenses that you may need to incur for treatment of injury to you or your co-passengers.
• Bodily injury liability coverage: This coverage option includes medical expenses and lost wages due to death or injury of driver involved in the accident. In certain states, the bodily injury liability coverage covers passengers on your motorcycle as well.
• Personal injury protection: This coverage option reimburses you for any lost income, medical expenses, childcare, funeral expenses etc.
• Property damage liability coverage: This coverage plan covers damages caused to other people’s property due to your fault. This may include other vehicles, storefronts, private residences and other structures.
• Comprehensive coverage: It covers damages to your motorcycle due to vandalism, flooding or theft. It offers coverage for repairs up to the actual cash value of your motorcycle.
• Collision coverage: It covers any damages to the motorbike caused due to collision with another object, which may include an automobile, motorcycle, a building, tree etc.
• Underinsured and Uninsured motorist bodily injury: It covers the cost of recovering from injuries to you and your passengers, when involved in an accident due to the fault of an underinsured or uninsured driver.
• Roadside assistance: This type of coverage pays for the towing of the motorcycle to the repair facility. In certain cases it even covers the repairs if your bike breaks down on the road.
• Rental bike insurance coverage: This covers the costs of renting a bike when your own bike is being repaired for covered loss.  For this coverage, you need to have collision as well as comprehensive coverage.
• Loan/ Lease gap coverage: This is another additional coverage that you can get to pay the difference between the worth of your bike and the amount that you still own on your loan/lease. To buy this coverage you should have comprehensive and collision on the same policy.

You must have enough coverage to keep your motorcycle protected in event of an accident. The motorcycle coverage options vary and you must be familiar with the various coverage options.

Choosing suitable car insurance can be quite daunting, specifically for the first timers but it is an essential purchase when you buy a car. Most companies and financial institutions require a proper car insurance policy to allow you to have complete possession of the vehicle. However, with proper under knowledge and understanding of the coverage options, you can be in a better position to take a wise decision about which insurance to buy.

Here are the common car insurance coverage options offered:

• Bodily Injury Liability: This includes providing compensation for the medical expenses of the people injured in a car crash caused due to the insurer’s fault. It usually pays for the treatment of injuries, rehabilitation, loss of wages, legal representation and funeral costs, if required.
• Property Damage Liability: This coverage compensates the damage caused to the other party’s car when the insurer has caused the accident. The amount of coverage that will be paid depends upon the cost of your car insurance.
• Comprehensive And Collision Coverage: This covers all the damages caused to your car due to occurrences other than accidents. These may include fire, weather damage, theft, vandalism, tornadoes, hurricanes, flood etc. Collision coverage compensates the damages when the car is involved in any collision, such as with another stationary vehicle, a pole or any other object.
• Uninsured/Underinsured Motorist: This provides coverage in case you are involved in an accident with an uninsured driver or if the at-fault party’s insurance coverage is not sufficient to pay for your medical expenses.
• Medical Payments Coverage: This covers the medical expenses following a car accident, regardless of who is at fault. This coverage usually provides coverage for the medical bills up to first three years of the occurrence of the accident.
• Custom Parts And Equipment: This car insurance coverage includes protection for the equipment, devices and accessories attached to the vehicle. It also covers the damages caused to any customized parts in the car that alter its performance or appearance.
• Roadside Assistance: It provides towing services in the event of an unexpected breakdown of the car due to mechanical failure flat tire, insufficient fuel, overheating, dead battery, lost or stolen keys, entrapment in mud or snow etc.

We, at Shawn Camp Insurance Agency, Inc., can help you choose the most suitable coverage options for your car insurance. To request an online quote, feel free to call us at (254) 526 – 0535.

While renting a home, most people assume that the landlord is responsible for providing insurance against any sort of damage caused to the property, either due to human or natural circumstances. However homeowner’s insurance does not cover your personal possessions in the rented home, which is covered under renters insurance.

Given here are some of the reasons you should consider purchasing renters insurance:

• Protection From Theft: In case your home gets robbed, your landlord will not be liable to compensate for your losses, provided that he has installed necessary security measures in the house. Renters insurance, in this situation, will provide coverage against your stolen valuables that are listed in your policy.
• Protection From Guest Injuries: If a guest happens to injure himself on your property, you may be liable to pay for his medical expenses, if the accident occurred due to your negligence. This may be due to falling on a loose step or slipping on spilled water. Renters insurance also provides coverage for medical bills in case the guest is scratched or bitten by your pet.
• Protection From Natural Disasters: If your rental home as well as possessions are damaged due to a natural disaster, your landlord may be responsible to get the home repaired. However renters insurance provides coverage for your personal possessions in the house. You should ask your agent about the natural calamities that are covered under your policy.
• Protection From Self-Caused Damage: If you inadvertently cause damage to your rental home, such as accidentally breaking a window or overflowing water, your landlord may not be responsible for the losses. Renters insurance can help you covers the costs of repairing or replacing the damaged belongings.
• Protection From Unnatural Fire: A comprehensive insurance policy will also cover the damages caused in the event of a fire due to short circuit or other electrical issues. If you live in a multi-dwelling unit and the fire spreads to other apartments as well, you could be liable to pay for the damages to their property and belongings.

To request a quote for renters insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. at (254) 526 – 0535.

Buying auto insurance is mandatory for all the drivers. However, people often consider it an additional expense and look for ways to cut the costs on it. There are a number of ways to save; however, you need to be considerate and carefully investigate all the options.

Here are some effective tips to save on your auto insurance policy:

• Raise the deductible: A deductible is the amount of money that you have to pay before your insurance company will pay the claim. Raising the deductible on the insurance plan can lower the amount of monthly premiums that you need to pay.
• Ask for discount: Insurance companies offer various discounts, so it is worth asking for. You can avail discount if you have a clean driving record or have qualified a defensive driving course. You can also be eligible for a discount if you have all your insurances from a single provider. By having combined coverage, you can substantially lower the payments on your car insurance.
• Have auto safety features: You can reduce your auto insurance by installing some safety features such as antilock brakes, seatbelt indicator, airbags, etc. The insurance companies offer discounts for drivers who park their vehicle safely and use anti-theft devices such as hood, fuel cut-off systems, wheel locking, etc.
• Avoid carrying excess coverage: Avoid including coverages that are already available with extended warranties, AAA membership, or lease agreements. These may make your insurance cost go substantially higher.
• Make payments on time: You must understand that missing a payment can lead to its cancellation and you may have to pay higher rates on the new policy. Therefore, avoid late payments and pay some amount to keep the policy active and avoid cancellation.
• Age of primary driver: An older driver gets policy at lower rates, so make sure you choose your primary driver carefully. You can get the policy in the name of a parent or an elder member to save money on your auto insurance.
• Pay premiums in lump sum: Monthly or annual premium installments include service charges every time you make the payment. Making a lump sum payment of the premium can save a lot of money.
• Get multiple quotes: Auto insurance costs may vary greatly from one company to another. Hence, it is advisable that you consult an insurance agency to compare the quotes from multiple sources.

The auto insurance rates depend upon the type of insurance, type of vehicle, its make, and model. Do consult your agent to know how you can save money on your auto insurance.