5 Ways to Make Insurance Shopping Easier

by Administrator 20. August 2012 11:32

While insurance is one of the most important protections you can provide your family with, it's not exactly fun to shop for. When shopping for cars, gadgets, clothes, shoes and other retail items, you cast a hopeful eye to the future and look forward to a time when you get to use the item that you're shopping for; but when shopping for insurance you must consider the worst possible events that could occur and purchase protection against the financial damages they will cause, all the while hoping that they never come to pass.

If you want to make the process of shopping for insurance a little easier and faster, here are a few tips:

  • Have all your information. Depending on the type of insurance policy you’re shopping for, you may need varying types of information. For example, when shopping for home insurance you'll need to know the value of your contents, the rebuilding costs for your home and what kind of anti-theft and disaster response systems you have in place. When shopping for health insurance, you'll need to know your medications weight height and so on. Call your agent and ask what specific information you should have ready when you met with her. 
  • Know what you want to protect. When you apply for insurance the goal is to create financial protection against certain types of losses. If you don't know, however, what you want to protect then it will be difficult to get the appropriate coverage.
  • Have a budget. When designing an insurance policy, not only must you consider all the property you want to protect and the events you want to protect the property from, but also what you can afford to pay for the insurance. These two pieces of information go hand in hand.
  • Have an agent. Not only is it potentially dangerous to shop for insurance without an agent helping you understand the various coverage options, limits, and exclusions involved but it's also inefficient. Agents can quickly compare costs for equivalent policies and can design insurance coverage with as few gaps as you can afford.

We’re here to help you get the policy design that you and your family need most. When you're ready to start shopping for Killeen home, auto, or business insurance or to conduct a review of your current policies, give us a call at Shawn Camp Insurance today.

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Insurance and the Power of Being Mindful

by Administrator 20. March 2012 11:56

In a 2009 article in Psychology Today, mindfulness was described as the practice of being in the present moment. This means that instead of being distracted, thinking about the future, dwelling on the past, or allowing lots of noise in your head over everything but “the now,” when you are mindful you are fully invested in the current moment and what's happening during that tiny piece of time.

Mindfulness and Insurance

When you buy insurance, it's important that you allow yourself to be quiet and mindful. It’s understandable to feel anxious when working on final expense and legacy planning, when thinking about all the perils facing your home and vehicle, when imagining your future potential disabilities and contemplating all the liabilities and other negative aspects of life that make insurance necessary, but if you want to be properly insured and prepared for the future, you must allow yourself to be fully invested in the process of insurance planning rather than distracted and intimidated by what-ifs.

Mindful Insurance Planning

Instead of being cowed by the unknown, when insurance planning you focus on the known: the risks that any individual in your situation may actually face and the value of the property you want to protect. It’s really as simple as that—and knowing this will allow you to create a much more secure financial future.

Being frightened of a potential future event that has not yet come to pass, or being overwhelmed by the amount of data you must consider as you buy insurance will not help you purchase and amounts you need to protect your family and it won’t make it any easier to select the types of policies that offer you the kind of protections you’re looking for. Instead, it makes you feel powerless during what should be a very empowering process.

When you give yourself the space and permission to be mindful, you allow yourself to approach the task of buying insurance as practically and unemotionally as possible. This makes it easier to be deliberate and reasonable as you assess the practical risks you face each day and assign a dollar value to them, and then make relevant adjustments as you consider your budget and potential premiums.

Your insurance agent can be a big help in keeping your emotions on track and your approach to insurance planning practical. If you are ready to start searching for insurance policies that will protect your family, give us a call at (254) 547-2381 for a Killeen insurance quote.

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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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