Insurance Services
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Auto Insurance
You are at risk ever time you get into your car. Many people have an insurance policy but they may not exactly understand how they are covered. Take a look at the basic coverages below.
- Collision Coverage – This is the basic coverage that covers your vehicle if you collide into something. This covers collision with other cars as well as if you were to run into a wall, barrier or bridge.
- Comprehensive Coverage – This coverage cover anything that is NOT related to a collision like theft, fire, hitting a deer or vandalism to name a few.
- Liability Coverage – This coverage covers you for when you are in an at fault accident and you damage someone else’s car or property. Liability coverage is mandated by law in Texas.
- Medical Payments – or PIP, This coverage pays for any injuries to the driver and or passengers that occur if an accident occurred while you were driving.
Its important to understand what your coverage options are, not just for your car but also for you and your family and the people who may be injured in an accident.
Home Insurance
- Homeowners, Renters, or Landlord Policies
Homeowners policy – is for people who own their home and do not plan on renting out their home. This policy covers both the outside of the home and all the contents inside the home.
Renters policy – covers the contents inside the home, apartment or room you are renting.
Landlord policy – is for people who own their home and plain on renting their house out to others.
Coverages for these polices are:
- Dwelling – this is the portion of your policy that covers the actual structure.
- Other Structures- this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks and detached buildings.
- Personal Property – this covers all your personal belongings. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.
- Loss of Use – this covers your living expenses if you need to live somewhere else temporarily due to a uninhabitable loss to your house.
- Medical Expense – this covers medical expenses for family, friends or guest if they are injured on your property. It does not cover health care cost for you or other members of your household.
- Personal Liability – this covers someone who is injured or their property is damaged and you are to blame. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be needed to provide extra coverage.
- Scheduled Personal Property – this covers situations where you might want special coverage for Valuables, or collectibles like jewelry, guns, collectibles rugs, etc…
Health
Navigating the complex world of health insurance can be difficult. Here at Campa Insurance we make it easier! Give us a call and let us help you find the right coverage for you and your family at a price you can afford.
Dental and Vision plans also available
Boat, Motorcyle, RV, & ATV/UTV
Need insurance for your summer/winter outdoor toy? Give us a call for free quote
Life Insurance
Don’t wait you are not getting any younger! Life insurance provides financial protection for your loved ones during their most vulnerable times.
Medicare
There is a lot to learn about Medicare, and we are her to help you understand it better. When it’s time for you to enroll in medicare we will take the time to educate you on how medicare works, and options available to you.