Top Home Insurance Questions To Ask Your Agent

by Administrator 25. November 2023 19:48

Securing home insurance is a crucial step. Homeowners need a financial safety net to protect against various risks and perils. Finding the optimal insurance coverage hinges on asking thoughtful questions that align with both your home's needs and your budget constraints. 

The following are some pivotal queries to address before investing in home insurance:

Coverage Specifics

Seek clarity on what the policy encompasses and any potential exclusions. Ensure that personal property, including high-value items, receives adequate coverage.

Liability Coverage

Determine the level of liability protection included in your policy and inquire about options for increasing this coverage if necessary. Understanding the extent of liability coverage is vital for shielding your assets in the event of unforeseen accidents or incidents on your property.

Additional Living Expenses

Inquire about the coverage provided for temporary housing in the event of displacement and any limitations that may apply. This information ensures you are adequately prepared in case your home becomes uninhabitable.

Deductibles and Premiums

Uncover the details regarding deductibles and their impact on premiums. Knowing the deductible amount and how it influences your overall costs is essential for budgeting. Explore opportunities to adjust the deductible to find a balance that aligns with your financial preferences and risk tolerance.

Discount Opportunities

Explore potential discounts that can contribute to cost savings on your home insurance. Inquire about eligibility for discounts related to home security systems, bundled policies, or other qualifying factors.

Claims Process

Familiarize yourself with the claims process to ensure a smooth experience in times of need. Inquire about the steps involved in filing a claim and the typical processing times. Additionally, understand if there are any measures to expedite the claims process during emergencies, ensuring timely assistance when it matters most.

Policy Updates

Regularly reviewing and updating your policy is essential. Clarify how often the policy should be reviewed and if there are specific circumstances that may necessitate adjustments. Staying proactive in keeping your policy up-to-date ensures that it continues to align with your evolving needs.

Natural Disaster Coverage

Assess the coverage for natural disasters that are prevalent in your area. Inquire about specific protections against events like earthquakes, floods, or wildfires. Additionally, explore the availability of additional riders that can enhance your coverage for comprehensive protection against natural disasters.

In securing home insurance, Shawn Camp Insurance Agency emerges as a reliable ally, providing comprehensive coverage that aligns with diverse homeowner needs. With a commitment to transparency and client-centric service, the agency ensures that individuals can navigate the complexities of insurance confidently.

To know more about home insurance in Killeen, TX, visit Shawn Camp Insurance Agency at 2707 East Hwy 190, Copperas Cove, TX 76522, or call (800) 212-2641. You can also browse the services offered at and connect on the agency's Facebook page for the latest updates.

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Home Insurance 101: A Checklist For Smart Buyers

by Administrator 26. September 2023 09:58

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Home Insurance in Killeen

by Administrator 27. June 2023 11:54

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Check List Before Buying Home Insurance

by Administrator 27. April 2023 13:27



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Choosing Right Home Insurance In Killeen

by Administrator 26. May 2022 12:16

Home Insurance safeguards your home and provides coverage against financial loss that might be caused by natural disasters, theft, etc. It offers financial support & various add-ons to suit a home owner’s requirements. Choosing right Home Insurance requires careful research & sound understanding of policy you are about to finalize.

In order to choose homeowners insurance that satiates your needs, consider following points:

  • Right Coverage - Consider all the potential scenarios and select a plan accordingly. Assess your needs or consult a reliable insurance agent to get an idea of the cover you might require. Example: If your house is located in a flood or earthquake prone area, select a plan which can safeguard your asset in case of flooding or earthquake. A smart idea is to get personalized coverage offered by insurance agencies such as Shawn Camp Insurance Agency, Inc.
  • Protection Against Catastrophic Events - When choosing Homeowner insurance, make sure it provides coverage against natural calamities like fire, lightning, windstorms, floods, hurricane, hail and financial losses due to accidents, thefts, vandalism, riots, etc.
  • Protection Towards In-House Valuables - It is equally important to secure your in-house possessions like furniture, electronic appliances, jewelry, works of art, etc. Make sure to get a plan that offers coverage and protection to your home as well as the valuables inside.
  • Protection Against Lawsuits - Home insurance policy also protects you against legal liabilities emerging due to injury to an individual in your premises. Select a plan that pays for medical bills & attorney fees, in order to stay financially protected in the occurrence of such events.
  • Coverage for Living Expenses - There are home insurance options that include additional living expenses, in case a house is extremely damaged and family members need to move out temporarily in an alternate accommodation like hotel, homestay or lodge. This allows enough time for the repair and refurbishment of the house, without any inconvenience.
Shawn Camp Insurance Agency, Inc. provides plethora of insurance options including Homeowners Insurance, Home Insurance, Auto Insurance, Car Insurance, RV & Travel Trailer Insurance, Motorcycle Insurance, Boat Insurance, Watercraft Insurance, Golf Cart Insurance, and Renters Insurance. Shawn Camp Insurance Agency, Inc. renders Progressive insurance services in Killeen, Harker Heights, Copperas Cove and Gatesville, TX.

To know more about our products and services, contact us at (254) 526 - 0535 or browse through You can also visit us at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542.

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Home Buyer's Insurance Guide

by Administrator 20. November 2019 13:18

Every home buyer needs to have thorough understanding of insurance coverage as it offers financial protection in case of damage or theft. Homeowners insurance provides coverage for costs related to interior and exterior damage to the house, personal liability coverage, etc.

As homeowners insurance is one of the financial implications of buying a home, following are some useful tips you should know before purchasing home insurance:

  • Check The Limit On Personal Belongings: The amount of coverage offered by your insurance plan should be sufficient for your belongings. This includes furniture, clothes, jewelry, electronics, etc. Inquire whether some items have a sub-limit in which case you may have to buy an additional insurance coverage.
  • Exclusions: There are some things that are not covered in insurance plans. These exclusions depend upon the coverage type, coverage limit and state law.
  • Deductibles: A homeowners insurance coverage may include deductibles (amount of the claim that a home owner is liable to pay before the insurance plan pays for rest of the damages up to coverage limit). It is important to ensure that the amount stated as a deductible by an insurance company is within your budget.
  • Coverage: The amount of coverage offered will depend mainly on the state insurance policies. Homeowners insurance covers building of the house, attached structures, personal property, medical payments, etc. against perils such as windstorms, lightning, hail, fire, smoke, theft, vandalism, water damage, etc.
  • Extra Coverage: These include backed-up plumbing systems, lawsuits and other situations that are not covered by the liability coverage provided by standard homeowners insurance.
  • Pricing: The pricing of an insurance coverage depends on how expensive a house is, whether it is located in a low-damage area, the material used to make it, safety features installed, past claims, crime rate in the area, age of the house, type of home credit and insurance score, coverage selections (the more coverage you buy, higher the rate), amount of deductible, etc.

Shawn Camp Insurance Agency, Inc.
offers homeowners insurance to its customers. The range of coverage offered includes dwelling, personal property, loss of use, personal liability, etc. For more details on things to know about homeowners insurance, visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX – 76542. You can also contact: (254) 526 – 0535.

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How To Reduce Home Insurance Costs

by Administrator 25. April 2019 12:01

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Must Have Coverage Options For Your Home

by Administrator 25. January 2018 06:33

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