How much damage can a little flooding cause?

Regular home or business insurance does not cover flood damage to your home or business. If you want to cover your property from flood damage, you need to purchase a separate flood insurance policy.

How much damage can a flood cause a home or business?

The Kimble Brown Insurance Agency serving Southlake, TX can help you with this question and more.

Flooding happens in the wake of a heavy storm, tornado, or hurricane. In these cases, the damage is not so much caused by winds but from rising floodwaters that overwhelm storm drain systems, pouring up into the yard or parking lot where it can threaten your home or business.

Flood water in a home or business can destroy carpeting and furniture. It can compromise the building’s electrical system and even cause structural damage. Even a few inches of water can cause tens of thousands of dollars’ worth of damage that you will have to pay out of pocket if you do not carry flood insurance.

Hurricane Harvey, which struck the Texas Gulf Coast a few years ago, demonstrated the need for flood insurance. The winds did not cause a lot of damage. The many feet of rain that followed turned the Greater Houston area into a lake, causing hundreds of billions of dollars in damage and a lifelong memory of trauma for those who endured it. That should be a sobering wakeup call.

You should also consider the emotional toll that flood damage can cause. Dealing with a flood’s aftermath can be overwhelming. Flood insurance can provide peace of mind.

For questions regarding flood insurance feel free to contact the Kimble Brown Insurance Agency serving Southlake, TX.

Three tips for first time home buyers

Most first-time homebuyers across America are millennials from the ages of 23 to 33. While it is a relatively young age for such a vast life choice, it helps individuals to focus on other financial matters like home insurance and family.  With that said, buying a home in Southlake, TX is one of the most exciting yet stressful and time-consuming processes.

However, it doesn’t have to be exhausting because Kimble Brown Insurance Agency is here to help you with a few pointers to help make your homeownership journey less bumpy. Here are three tips to get you on the right track.

Draw your budget and stick to it

Before you start drooling at the beautiful homes online, make sure you have a budget talk with your partner to ensure that both of you are on the same page. Come up with a reasonable budget that also includes your home insurance. You can always determine how much home insurance you need by adding the value of your possessions to the value of the home.

Hammer your priorities

Make your list of non-negotiables by considering your lifestyle, needs, values, and budget. For instance, if you have kids, you may want to live in a neighborhood with kids and various amenities like a school, park, and playground. You should also prioritize the size of the home.

Compare apartments and houses in the area you want to live

This is always an exciting part of home buying. Once you have your ideal area, the next step is to check and compare the prices of apartments and houses.  This will help guide you on where to start and whether your budget is on point or not.

A home is a huge investment; you want to make sure that you leave no stone unturned. Once you have everything figured out, think about home insurance. If you haven’t, Kimble Brown Insurance Agency serving Southlake, TX is here to help. Feel free to call or visit us anytime.

Advice on Why You Need Recreational Insurance for Your RV

When people invest in recreational vehicles, such as ATVs and off-road vehicles, they plan on having a good time. Riding around on an ATV in open land is a fun activity that many enjoy during the spring/summertime. Having fun is an amazing thing to do in life, however, it is important to make sure that you and your investment are properly protected. 

Here at Kimble Brown Insurance Agency, we serve the residents of Southlake, TX. We aim to ensure that all of our clients receive the insurance they need. With recreational vehicles such as ATVs, people can be pretty passionate about them. You want the proper insurance to make sure they are protected. Here are a few details to know while shopping for recreational insurance with an ATV.

In the state of Texas, it is not required for ATV owners to have insurance on their ATVs. However, to be responsible and protect your investment it is highly required. You protect yourself in the worst-case scenario of an accident and suffer an injury. You also protect your ATV as you can utilize recreational insurance for situations such as theft, vandalism, and repair necessities. Having your ATV insured properly will essentially save you money in the long run. When you speak with an agent, they will help you determine the type of coverage that is beneficial for you and your ATV use. 

Are you ready to start shopping for your recreational insurance? One of our representatives can assist you if you would like to call our office at (817) 722-5761. Our team is ready to help answer your questions and get you started with a quote.

Does Flood Insurance CoverThe Cost Of Temporary Housing?

When it comes to flood insurance, you may have several questions. One of the most common questions is whether or not the insurance will pay for temporary housing that may be necessary as a result of covered flooding. Before purchasing your flood insurance, be sure to inquire about the terms and conditions so you can be prepared for any issues that may arise during a claim.

Is Temporary Housing Covered?

Unfortunately, flood insurance doesn’t cover temporary housing in the event of a covered claim. The wise thing to do to help avoid surprises and hardships is to prepare for unexpected incidents that may require temporary housing. Ask your insurance agent if there may be some other insurance-related options that can help minimize impacts during a flooding event.

Guidance From Professionals

One of the main perks that come with working together with an insurance agent is the ability to have access to their knowledge and insight within the insurance industry. This helps customers make more informed choices, and better prepares them for potential claims in the future. If you live in or near the Southlake, TX area and want expert guidance through the insurance shopping process, you can rely on Kimble Brown Insurance Agency to give you the support you need before, during, and after the policy purchase. 

Flood insurance is an excellent way to protect your home from a variety of possible flooding scenarios, whether you live near the coast or in an area where there is potential for flooding. Call or stop by Kimble Brown Insurance Agency, serving Southlake, TX to find out more about flood insurance options. 

3 Things to Know About Landlord Insurance

The agents at Kimble Brown Insurance Agency serve homeowners and landlords who live in the Trophy Club and Southlake, TX area. Individuals who own rental properties or sometimes rent out their own property on occasion are considered landlords, even if it’s only for a short period of time. Any time you rent property to someone, you should consider having renters insurance in place to protect yourself and your property.

Different Types of Landlord Insurance

There are three types of rental insurance. D-1 is a very basic policy and only covers the bare minimum. D-2 covers more of the most common problems as well as a few of the lesser reported issues. D-3 offers the most extensive coverage and includes a few special provisions. 

Different Types of Home Qualify

Almost any type of rental property will qualify you as a landlord. This includes short-term rentals, storage units, garages, homes, cottages, and apartments. If you are unsure if your property can be covered as a rental, speak to an insurance agent.

Do You Need Liability Coverage?

Anytime you own property, you need to have some sort of liability insurance in place to protect you if someone is injured while visiting your rental. This is an essential part of any landlord policy and shouldn’t be overlooked. 

In Southlake, TX, the agents of Kimble Brown Insurance Agency offer landlord policies for property owners who are considering renting out their properties. They have the answers to all of your important landlord/tenant questions that involve insurance and liability. By scheduling an appointment with an agent, you can discuss all of your options and help you make the best decision for your individual situation. Contact our office to get started with a quote.

What Should I Do If My Home Is Damaged in a Flood?

In most cases, we have a little time to prepare when we know the possibility of a flood exists. There are times, however, when things happen so quickly that we don’t have time to take any action whatsoever. At the Kimble Brown Insurance Agency, each of our agents can assist residents living in Dallas and Southlake, TX with formulating a plan to help get them through the aftermath of a flood.

Document as Much of the Damage as Possible

If you are still in your home, start to document the damage as soon as it happens. Write down everything you see. If at all possible, use a video recorder or take as many pictures as possible. Actual pictures will allow the insurance adjusters to see the damage at its worst, as well as what the aftermath looks like.

Contact Your Insurance Agent Immediately

It’s also important for you to contact your insurance agent as soon as you can. Once they have seen the damage and filed their report, you can begin the cleanup process and work toward getting back into your home. This type of cleanup takes time and must be properly performed to ensure that black mold doesn’t take over your home.

In Dallas and Southlake, TX, residents who live in flood-prone areas can call the reputable agents of Kimble Brown Insurance Agency if they are interested in learning more about what to do if a flood damages their home. Contact our office at your earliest convenience to find out what steps you need to take. We have all of the answers to your most pressing questions.

Electrical Safety to Prevent the Risk of a Fire During the Holidays

The holidays are a time of joy and spending time with loved ones. However, this can also be a time when the risk of house fires significantly increases. Electrical fires and neglect of Christmas trees are some of the most common causes of fires in Southlake, TX during the holidays. Kimble Brown Insurance Agency has gathered a few tips for electrical safety to prevent the risk of a fire during the holidays.

Avoid Overloading Electrical Outlets

The holidays often mean the inclusion of extra lights and decorations, many of which require electrical power. Faulty wires and overloaded electrical outlets are common causes of holiday fires, so it’s important to only plug one high-wattage item into each outlet at the same time. Only use extension cords that do not have frayed wires and that are safe for use indoors and stated for outdoor use when using for exterior lights.

Inspect Decorations

Before using any decorations, carefully inspect them. Check for fraying, loose bulbs, and loose wires. Decorations that have been stored since last year may have damages that weren’t there when they were last used. It’s common for age and pests to destroy decorations that were perfect when you put them in storage, so don’t risk a fire by not inspecting each decorative item.

Holiday trees require water to avoid drying out. A dry tree that is adorned with electrical decorations is a disaster waiting to happen. Check the water for the tree every day and refill as needed. Never leave lights and other decorations plugged in while you are away from home or while you are sleeping. To prevent the risk of the tree falling on children or pets, keep them away from the tree or place a smaller tree on a table out of their reach.

Residents of Trophy Club or Southlake, TX interested in learning more information about home insurance should contact Kimble Brown Insurance Agency.

Does Recreational Insurance Only Cover the Recreational Vehicle or Does it Cover Potential Medical Expenses From Injuries As Well?

If you have any recreational vehicles, including ATVs, jet skis, golf carts, snowmobiles, dirt bikes, or travel trailers, you should consider purchasing recreational vehicle insurance. This type of insurance helps to cover your vehicle if you are involved in an accident, if it is stolen, or if it damaged by the weather, depending on what types of insurance coverage you opt for. Here at Kimble Brown Insurance Agency, serving the greater Southlake, TX. area, we are often asked if recreational vehicle insurance covers medical expenses or just the vehicle itself. Here is the information you need to know. 

Just like with car insurance, there are different coverage types that you can select from when you are looking for a new recreational insurance policy for your vehicles. Some of the insurance options that may be available include collision, liability, comprehensive, uninsured motorist, and medical coverage or medical payments. Always carefully review a recreational vehicle insurance policy before purchasing it to ensure it has the specific types of coverage options that you may need, based on the age of your vehicle, where it is used, and how much protection you want while using or not using the recreational item. 

Do you have one or more recreational vehicles that are not currently insured, or are you looking for a new policy to insure your recreational vehicles in the greater Southlake, TX. area? Contact us at Kimble Brown Insurance Agency today. We can help you determine the right insurance plan for your recreational vehicles and provide you with a quote. Call now to get started. 

What Flood Insurance Does and Doesn’t Cover

Most of us would agree that we can’t predict the future. The unexpected is always to be expected. This rings true for floods as well. Sometimes mother nature or life can create situations that destroy or damage our belongings and change our lives. In cases like this, it helps to have a little peace of mind. That peace of mind often comes in the form of flood insurance. Flood insurance may not take away the damage or the loss, but it can help you to rebuild your life and replace your belongings. However, as with anything, you need to know the ins and outs of how flood insurance works and what it does and doesn’t cover.

What Is Flood Insurance?

Flood insurance is a separate insurance policy purchased to cover lost or damaged property destroyed by a disaster involving water. This could include burst pipes and natural hazards, although some natural hazards aren’t covered under flood insurance. Typically, homeowners’ insurance will not cover flood damage. This is why most homeowners purchase flood insurance separately if they live in a flood zone. Flood insurance is a federally regulated plan issued by the National Flood Insurance Program (NFIP). Still, you need to make sure that your area participates in the program before you decide to purchase this insurance. Kimble Brown Insurance Agency in Southlake, TX can help you understand what flood insurance does and how it can help protect your home and personal items.

What Does Flood Insurance Cover?

In short, flood insurance covers both your home and your property. This includes the cost of rebuilding your home and replacing personal belongings that were lost or destroyed as a result of the flood. This insurance will even replace food that was lost as a result of flooding. Typically, flood insurance covers the actual cost of repairing your home or replacing it at its valued appraisal. Flood insurance usually covers the least costly option. However, you will be reimbursed for your personal property based on its actual value regardless of what you paid for it.

What Is NOT Covered by Flood Insurance?

Unfortunately, flood insurance won’t cover everything that was lost or damaged as a result of flooding. For example, it won’t include money or jewelry in addition to a variety of other things. Make sure to familiarize yourself with what is and isn’t covered. This insurance won’t replace your lost income either, and typically, basements have limited coverage.

Residents in the Southlake, TX area should contact the Kimble Brown Insurance Agency to discuss their flood insurance options. Our agents are happy to answer all of your questions. Give the Kimble Brown Insurance Agency a call. 

 

Are Your Roommates’ Belongings Covered Under Your Home Insurance Policy?

If you share a home with other individuals, it may be good to know if their belongings are covered under your homeowners insurance. If you are not a relative or married, chances are that homeowners insurance may not cover any roommates belongings. Kimble Brown Insurance Agency of Southlake, TX specializes in homeowners insurance and can help.

Homeowners Insurance

In general, homeowners insurance covers:

  • The structure of the actuals owners home

  • Property and belongings of the homeowner or relatives inside the home

  • Liability

What his means is if you are the owner, a relative of the owner or are married to the owner, you will have your possessions covered. Friends and non-relatives will not have property and belongings covered in this situation. Your spouse can be added to the homeowners policy if that is the wish of the homeowner. Separate insurance will need to be obtained by renters and friends who reside in the home though. Renters insurance is something that should be considered. 

Renters Insurance

Renters insurance does not cover the actual structure of the home that an individual is renting space in. If there is some type of disaster or theft, renters insurance can help protect and cover your possessions where homeowners will not. As a homeowner, it is good to remind roommates and non-relatives. They will need to know that in order to have their possessions protected, a separate individual policy will need to be obtained. Often this is overlooked as many will assume that the actual homeowners insurance covers everything in the house.

If you need a policy for homeowners or another type insurance, Kimble Brown Insurance Agency of Southlake, TX can help. Our experienced agents can work with you to get the type of coverage you need. Give us a call to schedule an appointment today.