Benefits of Choosing a Homeowner Insurance

by Administrator 22. February 2022 16:07

Owning a house is one of the most valuable assets. It is essential to safeguard the most treasured belonging whether you are a homeowner or a renter. Homeowner insurance provides protection to your house from unpredictable events like natural disasters, theft, manmade calamities etc. Moreover, it gives the flexibility to choose a plan that suits a home owner’s requirements. Let’s glide over some benefits of homeowner insurance.

Protection Against Unforeseen Circumstances  - Homeowner insurance provides coverage against natural calamities like fire, lightning, windstorms, floods, hurricane, hail and financial losses due to accidents, thefts, vandalism, riots etc. It pays for the damage or destruction caused in the house, thereby helping to recover from such unsettling situations.

Protection Towards Your Personal Possessions - One more advantage that comes under the homeowner insurance policy is protection for personal possessions like furniture, electronic appliances, jewellery, works of art etc. If these items of the house are destroyed or damaged due to unfortunate happenings, homeowner insurance policy provides coverage and saves a client from heavy financial toll.

Protection Against Lawsuits - Homeowners insurance policy protects you against legal liabilities emerging due to injury of an individual in your premises. If someone gets injured or hurt within the property premises, homeowner insurance will pay for medical bills & attorney fees. It keeps you prepared and well equipped in such stressful situations.

Coverage for Living Expenses - In case, a house gets extremely damaged and family members have to move out temporarily in an alternate accommodation like hotel, homestay or lodge; the insurance cover will manage your additional living expenses. It allows to give enough time to repair and refurbish the property without causing any inconvenience to the family. There might be few variations in the insurance policy as per the needs of the client, but there is an option where they can save themselves from such financial distress.

Mortgage Requirement - Homeowners insurance is certainly a requirement, if a person want to take a mortgage loan. The lender often demands an insurance which can provide protection against hazards. Homeowners insurance is something which secures a house from almost all the potential dangers and unexpected situations.

Shawn Camp Insurance Agency, Inc. is one of the most reputed insurance agencies which 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. We offer various combinations of insurance policies from different companies, to cater to specific needs and requirements of a client. 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 our customer support at (800) 212-2641 or fill the contact form available on our website www.shawncampinsurance.com

You can also visit us at 2705 E. Stan Schlueter Loop, Suite 101 , Killeen, TX 76522.

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Homeowners Insurance: Coverage Types & Need

by Administrator 11. February 2021 07:30

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Understanding The Essential Protection Provided By Homeowners Insurance In Killeen

by Administrator 18. December 2020 13:10

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Types Of Homeowners Insurance

by Administrator 21. July 2020 09:32

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Millennials Guide To Homeowners Insurance

by Administrator 27. April 2020 13:27

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Factors Of Homeowners Insurance

by Administrator 31. March 2020 02:49

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Understanding Homeowner's Insurance

by Administrator 25. June 2019 08:56

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Insurance FAQs For First Time Home Buyers

by Administrator 17. August 2018 05:41

First time home insurance buyers have so many questions pertaining to the best policy for their needs. Being armed with the right information is the first step towards making the right decision in this regard. Following are some frequently asked questions about insurance that can be helpful for those buying a house for the first time:

  • What Is Homeowners Insurance? Homeowners insurance is a policy which protects a homeowner from losses to their house and the possessions in it from unexpected damage or any other type of loss.
  • When To Buy A Policy? You can buy an insurance policy for your home even after purchasing the house. In case you have taken a loan on your house, the mortgage company may require your home to be insured before granting the loan.
  • What Will The Insurance Policy Cover? Home insurance policies generally cover losses that result from damage to the property, property loss, living expenses and personal liabilities. The damage can be partial or total. Losses caused by natural disasters like fires, windstorms, lightning, hail or man-made factors like burglary, theft, riots, vandalism, etc. are covered. Medical payments coverage is required for medical treatment of the owner or anyone else visiting the property at the time of a calamity/accident. Living expenses refer to the costs of an alternate accommodation due to a disaster. You can add a rider policy to your home insurance for added coverage on items of high value.
  • Which Factors Will Determine The Amount To Be Paid? To determine the amount to be paid, home insurance providers consider factors like credit score, claims history of the individual and the area of residence, location, age of home, rebuilding costs, pets, distance from a fire department or hydrant and the selected coverages.
  • Can I Save Some Money On Insurance? Yes. Ask your insurance provider whether there are any discounts being offered. Some insurance providers offer discounts to those who own homes with additional features like a security system. Another hack for cutting down the insurance costs is to raise your deductible in order to lower the premium amount.
  • How To Choose The Right Insurance Provider? Insurance carriers vary in terms of coverage and cost so take out some time to search around in person and on the internet to find the right provider. Compare quotes from different insurance companies and preferably get the assistance of an expert.

We, at Shawn Camp Insurance Agency, Inc., offer home insurance to our clients in Killeen, TX. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.

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Homeowners Insurance Myths

by Administrator 28. March 2018 09:19

There are many myths and misconceptions around the topic of home insurance. These myths if not cleared can result in unwanted costs in the form of overpaying for policies and not getting the right coverage. Buying a home insurance policy is the best way of protecting your home from natural disasters and factors like theft, floods etc. The following is a list of common myths surrounding home insurance.

  1. Home Insurance Is Limited To My House Only - A home insurance policy covers your house, its contents, living expenses for an inhabitable house and personal liability exposures.
  2. Covers The Market Value Of A House - A home insurance covers the rebuilding/replacement value of a house and not its market value.
  3. Insurance For Older And Inexpensive Homes Is Cheaper - The home insurance of older homes is in fact more expensive as the chances of certain home systems to fail are higher.
  4. Home Insurance Covers Damage By Termites And Insects - Most home insurance policies generally do not cover damages by termites and insects. You will have to inquire whether the policy you have chosen covers these factors.
  5. A Home Insurance Covers The Costs Of Intentional Damage - No, it does not cover costs that ensue due to injuries or damages caused by an act which you initiated, such as a fight with someone. It only covers damage due to accidental and unintentional injury caused to someone on your property.
  6. Home Insurance Covers Costs On Upgrading My House - A home insurance does not cover any cost associated with maintaining your house. It also does not cover damages caused to the house due to poor maintenance such as mold. It can only compensate you for expenses incurred in rebuilding it in case of damage due to an unforeseen event such as fire or theft.
  7. Creating An Inventory List Of Your Possessions Is A Waste Of Time  - Homeowners insurance provides for personal property insurance and covers for the possessions within the house. So, it is important to create an inventory of all the valuable possessions in your home so that you can file a claim in case a loss arises.


For affordable home insurance in Killeen, TX, contact Shawn Camp Insurance Agency, Inc. We are located at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, Texas 76542. You can also call us at (254) 526 – 0535.

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Coverage Included In Homeowner's Insurance

by Administrator 27. February 2018 07:00

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