Before You Buy Home Insurance

by Administrator 16. September 2013 11:27

As much as every homeowner wishes that they never have to use their home insurance, it is an inevitable expenditure, which is a vital part of protecting your home. With all the intricacies involved in purchasing home insurance, it can be tricky to know what you need and what you don’t, and to find the best deal for your needs.

Shawn Camp Insurance is a Texas-based insurance agency, which serves customers in Austin, Killeen, Harker Heights, and several other locations in Texas. We are dedicated to helping you to find the right deal on your home insurance policy. Whether you are a homeowner or a renter, we can help you get the best and cheapest home insurance policy to protect your possessions. 

Enlisted below are some key facts that you should be aware of before you buy home insurance:

  • The basic coverage that most home insurance policies includes is the house itself, garages/ work-sheds/ other separate structures, possessions in the house, and liability exposure for the owners as well as guests on the property.
  • Even though the law in most states does not require homeowners to have insurance, most mortgage lenders in Austin and other cities in Texas require it in their contracts. 
  • The premium of the insurance policy is affected by the value of the property, the credit score of the policy holder, the general safety of the locality (crime rate, proximity to fire services/ police), catastrophic probability, structure of the house (wood versus brick), etc. 
  • Home insurance policies typically have inclusions such as floods, landslides, earthquakes, power failure, nuclear hazard, mold damage, etc. You might want to consider supplemental coverage if you live in an area that is prone to damage that is not included in your policy.
  • The coverage for personal possessions like jewelry, cash, etc. is also limited. However, most insurance companies have a provision for customers to purchase riders that can increase the coverage of particular items. 
  • The interesting thing about a homeowners insurance policy, is that it can also be used to protect possessions that are outside the home. For instance, if some personal belonging of yours is stolen from your car, it is possible to receive compensation for it from your homeowners insurance policy.
  • Preventive actions like a working smoke alarm, a burglar alarm, a fence around your pool, etc. can go a long way in bringing down the cost of your home insurance premium. 

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Insurance Services In Austin Offered By Shawn Camp Insurance

by Administrator 4. September 2013 10:20

Shawn Camp Insurance is an insurance agency based in Central Texas, where you can get the best quotes on all types of insurance. Whether you are looking for home insurance, car insurance, RV & Travel Trailer insurance, boat insurance, or motorcycle insurance, we provide it all. Our comprehensive insurance solutions help you to secure your personal assets as well as valuable possessions with the highest level of protection. Along with the above-mentioned insurances, we also specialize in the highly- acclaimed PROGRESSIVE Homeowner’s Insurance, Watercraft insurance, Golf Cart insurance and renter’s insurance.

At Shawn Camp Insurance, we provide customizable car insurance policies to our customers in Austin TX, which allow them to pick the desired services and products, as well as payment policies. These insurance policies are designed to meet all budgets and insurance requirements. Apart from the Austin TX region, we also provide services to residents in the surrounding cities of Killeen, Harker Heights, Forthood, Gatesville, Temple, Copperas Cove, and Belton, Texas.

You can easily request an online quote for your required insurance policy right away, or contact us on our customer support number (800) 212-2641. We shall be glad to assist you with the most affordable insurance policies to meet your requirements, and shall tailor a PROGRESSIVE insurance plan for you, designed to fit into your needs. Providing unparalleled customer service to each of our customers has always remained our top priority, which is why you can be assured of getting all the information you need, regarding whichever insurance policy you are looking for, aiding you in making the right decision.

Shawn Camp insurance shall always be right behind you, to safeguard you and your assets, when unforeseen circumstances strike. Our customer care representatives shall look into your individual requirements and budget, to make sure that you choose an insurance plan that makes sense for you. Our aim is to ensure that none of our customers overspends, or remains underinsured. Our decades of experience in the world of insurance leave us equipped with valuable knowledge of the do’s and don’ts of different types of insurance, and we shall be glad to share this expertise with you. Request a free quote and grab the idea policy for you right away!

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