Home renovations can be an incredible way to increase your home’s resale value and uplift its overall appearance. However making changes to your home and renovating it can have considerable effects on the homeowner’s insurance premiums. The key to lowering your insurance costs is to invest in refurbishments that lower your risk of weather related damage, accidents, robberies and fires to your home. If your home is less susceptible to these perils, you will have to pay much less premiums on your insurance policy.

Given here are some of the home renovations that can significantly lower your insurance costs:

• Roof: Investing in a new roof or repairing the existing one can help you reduce your premium amount, particularly for older houses. A lot of insurance companies make it a prerequisite for the homeowners to have a perfectly updated roof. This will help you save your house against any structural or weather damage.
• Electrical Wiring: This is also one of the major factors taken into account by the insurance companies while deciding the annual cost of the insurance policy. An outmoded and dilapidated wiring system can possibly lead to a fire breakout in the house. Thus, before getting homeowner’s insurance, make sure the electrical wiring in your house is safe and new. Old wiring can spark and short circuit which will incur very heavy costs. 
• Deadbolt Locks: Even a small modification such as installing deadbolt locks can save you a lot in your homeowner’s insurance premiums. These locks will protect your house against any unauthorized invasion and thus, reduce your chances of filing for a claim.
• Smoke Alarms and Indoor Sprinklers: They provide long term savings and security that puts your house on minimal risk of getting damaged due to fire.
• Alarm Systems: Insurance companies tend to give major discounts to home owners who have a monitored alarm system installed in their house. The alarm alerts at unauthorized entry into your house and ensures safety of you and your possessions.

If you want to get affordable homeowners insurance policy, contact Shawn Camp Insurance Agency, Inc. We offer the best insurance policies to our clients that are perfectly tailored to their requirements. For more details, feel free to call at (254) 526 – 0535. You can also visit our office at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542.

Car insurance is an essential purchase if you have recently purchased a car. There are a number of reasons why you should get your four-wheeler covered against any unexpected damage or theft.

Some of these reasons are:

• Legal requirement: You must carry a valid car insurance policy to avoid being penalized for violation of the law. The consequences for such offenses may include hefty fines, confiscation of your car or losing your driving license. It is required by law to possess valid car insurance.
• Your car is a big investment: After your home, your car is probably the biggest investment that you would have. Buying an insurance policy is a way to protect that asset of yours from any accidental damage or theft. Moreover, an insured car gives the much needed peace of mind to the owner. 
• Personal financial protection: In case your car is damaged an accident, you might need to bear many more overheads apart from repairing costs. These may involve property damage, medical bills etc. All these can put you under a lot of financial strain. Having a car insurance policy can help you by providing coverage against these unforeseen expenditures.
• Protection from lawsuits: You must also have a car insurance policy to protect yourself from potential lawsuits. If you cause an accident and do not have an insurance policy, you are likely to be sued by the other driver.
• Required by lenders: Some people also need to get car insurance as it is required by their lender. If you are getting your vehicle financed, the lender might require you to have an insurance coverage. This will protect the lender from any loss in case you damage your car that has not yet been paid for.
• Addition to health insurance: Drivers may not have a health insurance policy to cover the medical bills for the injuries that they might suffer in an accident. Most car insurance providers also provide coverage for the treatment costs borne by the injured car driver and passengers. 

If you want to buy the best and affordable car insurance policy in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We offer a wide range of insurance policies with coverage options perfectly tailored to your needs and circumstances. For more information, feel free to call us at (254) 526 – 0535.

If you are thinking about getting auto insurance then there are certain points that you must keep in mind. You must compare different companies for discounts, rates and reliable customer services before finalizing the deal.
Here are some important factors that you must consider when getting affordable auto insurance:

Understand your rate:

To pick the most affordable auto insurance you must know what you are paying now. Every insurance company sends a comprehensive policy breakdown, which clearly states how much you are paying and what you are getting for your money. Understanding your current policy can greatly help you choose a more effective policy.

Analyze how much coverage you need:

To analyze your needs you must find the worth of your car, the amount you drive and for how long. Often auto insurance covers liability along with the cost of car which includes medical fees and legal fees. Your deductibles also help you decide how much insurance you require. The higher your deductibles the more you will be able to save on your premiums. It is a good option to buy property damage liability which will cover damages that your car may cause during accidents.

Make sure your driving record is clean:

An insurance provider will always look at your driving records to find out whether you are a risk or not. Paying fines on time also helps you get insurance at lower rates.

Review after-market equipment and accessories:

For getting proper coverage, you should review all after-market equipment and accessories that you plan to install in your car and inform about it to your insurance provider so that you can get the best coverage. Also, note all the changes that you make to your car. Having proof of the value of the items will help in confirming the amount of losses.

Inquire about discounts:

Some companies offer discounts that substantially reduce your premium. If you drive under 7,500 miles per year and use public transport more often, your premium rates may reduce.

Make sure you have good credit ratings:

Insurance companies adjust premiums according to the credit ratings and if you have good credit ratings, then you may have to pay a small premium. The customers with poor credit rating are viewed as high-risk customers.

The make and model of your car:

The car that you drive makes a great difference to your insurance. Expensive cars cost more in terms of insurance. Safety features of the car and how likely it is going to cause damage in case of an accident determines your insurance rates.

We at Shawn Camp Insurance Agency, Inc offer auto insurance to customers and our auto insurance plan covers bodily injury and property damage liability; comprehensive and collision coverage; lease payment coverage and medical payments coverage. To know more call at (254) 526-0535