October Events in Copperas Cove and Gatesville

by Administrator 12. October 2012 10:42

Close to Cure Bra Fest

This is the 2nd Annual October Event Fundraiser for Dr. Asea.

There will be a motorcycle Ride from S&W Research Center South Parking Lot at 5707 Airport Rd, Temple to Dave's Sports Bar at 831 E. Highway 190, Copperas Cove, TX 76522, Ph - 254-542-3283. Registration is $20, 9.30am. After registering, participants receive a T-shirt and bracelet.

There will also be Zumba, Decorated Bra Auction, Balloon Release, MemoryBoard, Vendors of all kinds, Food and Music.

Comedy Show following as separate event.

Join the Event - Learn More

Halloween in the Park

Presented by Copperas Cove Parks and Leisure Services.

Come to City Park to participate in fun Halloween Activities, including Trick or Treating in the Park which starts at 6pm and a Pumpkin Carving Contest, where you can bring your own completed pumpkin carving. The winner will be announced at 7.30pm.

There will be FREE Refreshments!

We will be handing out candy, and holding a contest for a Flat Screen TV. Just pick up a raffle ticket from our booth, then come back to our Facebook page, like us, and share a comment with your raffle number. You have now been entered to win a Flat Screen TV! The drawing will be held on November 6th.

Join the Event

Halloween Boozar in Gatesville

Shawn Camp Insurance will behanding out candy, and holding a contest for a Flat Screen TV. Just pick up a raffle ticket from our booth, then come back to our Facebook page, like us, and share a comment with your raffle number. You have now been entered to win a Flat Screen TV! The drawing will be held on November 6th.

Join the Event - Learn More

How Important is a New Home Inspection?

by Administrator 29. February 2012 11:57

When shopping for a new home, it's easy to get drawn in by what you may consider the perfect house. Finding the perfect house, in your ideal price range, located in your dream neighborhood can cause you to overlook minor details and run forward to submit an offer and secure this perfect home. But after the shininess has worn off and it's time to get home insurance coverage, you may regret this impulsive decision.

Instead of giving in to the desire to own the home of your dreams, take the time to have a new home inspection completed. Even if your home is of completely new construction, a home inspection can save you time, money, headaches, and risk.

Types of Home Inspections


There are many different inspections that can be done on your new home. In order to get the most comprehensive inspection and the most thorough understanding of the condition of your home, a new home buyer should consider a general home inspection, a termite inspection, a radon test to check levels of this unscented, cancer-causing radioactive gas, a septic system inspection (when a septic system is present), and, when appropriate, an oil tank testing.

Each of these inspections will give you a difference assessments regarding the health of your hew home. You may think that it’s enough to simply get a general inspection, but each of the specialized inspections mentioned above allow for a deeper look at areas that can be the source of major potential problems.

The Cost of Home Inspections

Home inspections cost both time and money, and that can lead many to skip them, conduct their own, visual inspection and hope for the best. But when you consider the benefit of professional inspections and weigh them against the actual cost and time involved, you will see that the cost is far outweighed by the benefits.

Generally, you can expect to pay between $300 and $500 for an inspection. The Housing and Urban Development (HUD) website also states that that price can be variable depending on the size of your home and its age since older homes may need more thorough examinations. Each inspection will generally take two or more hours, again, depending on the size of the property.

But to help ensure the safety of your family and the security of your financial investment, the price and time commitments are more than worth it.

The Effect of an Inspection on Insurance

Your home inspection will illustrate deficiencies in your electrical system and plumbing. It may also indicate water damage that exists but isn't immediately visible. It may show signs of an insect or termite infestation, and could illustrate problems with your septic tank, water heater and other important appliances. Since some of these problems can create a high-risk situation for perils covered by your home insurance policy, a new home inspection could result in certain improvements being made before you buy the home that will prompt a lower insurance premium once you own it.

Because the age of your home is taken into consideration when you apply for home insurance policy, it can also be part of the reason for a declined application. By completing certain home improvements on the property based on the results of your home inspection, you might ensure that your home insurance policy is approved after all.

To get insurance quotes on your current home or on the home you are considering buying, give us a call at (254) 547-2381. We can help you discover what your potential home insurance rates might be and assist you in setting reasonable limits based on your risk and budget.

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Progressive Offers Quote and Buy Online

by Administrator 9. December 2011 11:30

We are excited to announce that with Progressive Insurance you can now quote and  purchase your policy online!  If you want an agent that is personally available to you 24 hours 7 days a week Shawn Camp Insurance is your agency.

Just fill in the form to the left and get started with your customized policy!

Can you only purchase rental car insurance from rental car companies?

by Administrator 4. October 2011 12:17

 

Occasionally you may feel as if your entire working life is defined by a single event each year—vacation. Taking a vacation is one way of reminding you of the reason for working so hard all year round, but you should plan in such a way that you get the most value for your money.

It’s simple to forget about rental car insurance when budgeting for your vacation. So if you don’t want to arrive home from your holiday with a car repair costs that competes with the cost of a holiday abroad, consider purchasing rental car insurance or at least finding out whether you already have adequate protection from other sources.

Will your current car policy cover it?

First things first, contact your insurance agent. They can tell you what coverages you have for rental cars on your current auto policy. You need to be sure to have something to protect yourself in the event of an accident, theft, and vandalism. This coverage should include protection for damage to the car, as well as also property damage and bodily injury.

Will your credit card cover it?

Secondly, check with your credit card company. Many credit cards offer special protections for their clients when they use the credit card to pay for their rental car fees, check if yours does. When you do, make sure to ask about any special restrictions in order to obtain the insurance coverage.

Will you be the only one driving?

Lastly, you need to make sure that the other drivers have the same coverages, because your personal insurance and credit card protection might not extend to other individuals who are not named on your credit card or auto insurance policy.

By managing the advantages offered by both your credit card and your auto insurance policy, you could avoid the expense of rental car insurance. But if there are any gaps in the coverages you get between the credit card and auto policy, make sure you try to fill it with the insurance offered by the rental car company. This way you can spend your vacation relaxing and enjoying yourself rather than fretting about possible damages and expenses.

Call us to talk about your car policy or get a free car insurance quote in Texas by calling (254) 547-2381.

 

 

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Texas Auto Insurance

by Administrator 21. April 2011 12:17

Auto Insurance

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Texas

Texas is the second-largest U.S. state by both area and population, and the largest state in the contiguous United States. The name, meaning "friends" or "allies" in Caddo, was applied by the Spanish to the Caddo themselves and to the region of their settlement in East Texas. Located in the South Central United States, Texas is bordered by Mexico to the south, New Mexico to the west, Oklahoma to the north, Arkansas to the northeast, and Louisiana to the east. Texas has an area of 268,820 square miles, and a growing population of 25.1 million residents.

Due to its size and geologic features such as the Balcones Fault, Texas contains diverse landscapes that resemble both the American South and Southwest. Although Texas is popularly associated with the Southwestern deserts, less than 10% of the land area is desert. Most of the population centers are located in areas of former prairies, grasslands, forests, and the coastline. Traveling from east to west, one can observe terrain that ranges from coastal swamps and piney woods, to rolling plains and rugged hills, and finally the desert and mountains of the Big Bend.

At Shawn Camp Insurance Agency, a family-owned-and-operated business since 1976, we pride ourselves on helping you protect your home, automobile and business by offering exceptional service, quality products and unparalleled customer support. Contact us at (800) 212-2641 for a free Texas auto insurance quote or visit our office.

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