What every Southlake, TX homeowner needs to know about safety improvement

What every Southlake, TX homeowner needs to know about safety improvement

Your home holds everything you value, and that’s why it’s probably your most significant investment. Therefore, protecting it and ensuring everything is safe comes first. When it comes to safety, break-ins and burglaries are not the only challenges to worry about.  Slips and falls, dog bites, fires, and even water damage are common accidents requiring proper safety measures. At Kimble Brown Insurance Agency, we recommend buying adequate home insurance to protect your property and loved ones. If you are a homeowner in Southlake, TX, here is what you should know about improving safety.

Make sure your home is clean

Apart from potential slips, your trash can also attract thieves. What you throw in the trash, especially paperwork, may contain your personal information, and thieves can use this to commit crimes. Make sure that your papers are thoroughly shredded before they enter the trash. Keep your floors dry all the time, and ensure no fruit peels or vegetables are lying on your kitchen floor.

Inspect and notify your contractor about faults

Many people in Southlake, TX tend to forget or ignore this critical step. Take your time to go through your property and check for cracks on the walls, potential sinking in the basement, falling roof, and other interiors/ exterior faults that could put your life at risk. It also helps protect your visitors from accidental injuries while at your home.

Secure your home

Technology today offers various ways of keeping your home safe whether you’re around or not. You can install home security systems, smart bulbs and lights, motion detectors, and cameras to help you keep your home safe. Change your locks every once in a while and always close your window and doors before going to bed.

Looking for ways to make your home safer? Kimble Brown Insurance Agency can help you protect what matters to you most. Contact us for a comprehensive deal.

4 things to keep in mind when buying home insurance

4 things to keep in mind when buying home insurance

Most homeowners spend a lot of time, energy, and money buying a home that they overlook or give little thought about protecting it with adequate home insurance. A home insurance policy is designed to protect your valuable investment and loved ones. That’s why Kimble Brown Insurance Agency recommends speaking to an insurance expert before making any purchase. If you are in the market for home insurance in Southlake, TX, here are four things to keep in mind when buying home insurance.

Understand Your Policy

If you are buying home insurance for the first time, it is essential to familiarize yourself with insurance jargon and regulations. Learn what is covered, coverage limits, and what is not covered in your policy. You can also discuss every detail with your insurance advisor.

Know the Risks Involved

Understanding the risks involved helps you to equip your home with the right coverages. Consider the perils, neighborhood, and the people living in that home to determine your insurance needs. For instance, if you have children, you may want to consider focusing on liability coverage to protect them from accidental injuries.

Know How Much Insurance You Need

Once you know the risks involved, the next step is determining how much coverage you need. Your insurer can guide you through based on those risks. For instance, if you are moving to a less secure area, your insurer may request you to buy enough coverage for personal belongings based on their value. 

Compare Insurance Rates

If you have been keeping an inventory of your valuables, you can estimate your home insurance rate by adding this to your home’s value. Armed with this information, you can compare home insurance rates from different companies before making a final decision. 

Don’t wait untill a disaster strikes your Southlake, TX  home to buy home insurance. Our insurance agents at Kimble Brown Insurance Agency are dedicated to ensuring that you find a policy that matches your needs. Contact us for more information.

Does a Southlake property owner need flood insurance?

Property owners that are in the Southlake, TX area will need to get proper insurance for their home. When you are looking for an insurance plan in this area of the state, it is important to consider your flood insurance needs. This is an important form of coverage that gives protection specifically against the risk of flood damage. There are a few situations in which having this coverage would be a good idea for a property owner here. 

Flood Insurance Needed to Protect Home

A reason that many people in this area will need to get flood coverage is that it is needed to protect their home. Your property is a very important asset that you need to protect. When you get a flood insurance plan it will ensure that you have the coverage needed to cover costs related to potential flood damage. As your base home policy may not offer much flood coverage, having flood insurance is very important in some situations.

Lender Will Require Coverage

You will also need to get a flood insurance plan if your mortgage lender requires it. Mortgage lenders want to know that your home is properly covered with insurance. If you are located in an area that is at risk of flood damage the mortgage provider will undoubtedly want you to get flood coverage at all times. 

There are many situations when having flood insurance would be a good investment for a Southlake, TX business owner. If you are looking for an insurance plan here, it would be beneficial to call Kimble Brown Insurance Agency. The team with the Kimble Brown Insurance Agency understands the value that this insurance protection provides. They can then help you assess your situation and find a policy that will meet your needs. 

3 Things You Didn’t Know About Motorcycle Insurance

Motorcycles are not only a great way to add a little adventure to your life, but they can also be a wonderful financial investment. Many motorcycles hold on to their value very well, not to mention the money you save in fuel when using a motorcycle as a main type of transportation. In order to get the most out of your motorcycle ownership, you need to make sure you are properly insured. At Kimble Brown Insurance Agency, serving Southlake, TX, we want to help you get the best insurance information possible. Keep reading to learn 3 things you didn’t know about motorcycle insurance. 

Insurance Is Required in Most States

In order to operate your bike legally in most states, you need minimum coverage insurance. This is required by law as both a protection for you and for all of the other motorists on the road. If you are in an accident, your insurance policy will kick in to pay for the expenses of repairing or replacing your bike, as well as the expenses for the other drivers involved. This keeps you from financial liability. 

Insurance Often Includes Towing

It is important to read all of the details of your insurance policy. In many cases, your policy will include services such as towing. This can be very helpful. It is never recommended to leave a bike alone on the side of the road. Towing services are a must for a bike owner. 

Insurance Often Covers Your Gear

Protective gear is a necessity when riding. Because this gear is so important, it is often included under items covered in your insurance policy. 

To learn more about motorcycle insurance, please contact our staff today at Kimble Brown Insurance Agency, serving Southlake, TX. We will be happy to answer any questions you may have. 

3 Tips for Buying Umbrella Insurance in Southlake, TX

You can never have too much insurance. You just never know when something might happen that requires more coverage than what your traditional policies cover, be they home, renters or auto insurance. For this reason, it’s a good idea to consider purchasing extra insurance, or what is known as umbrella insurance. This type of policy kicks in when you’ve exhausted other policies. Having umbrella insurance is a great investment in your future and your peace of mind. To get started with the policy buying process, here are three easy tips to follow.

1. Work with a Reputable Agent

Reputable insurance agents, like those at Kimble Brown Insurance Agency serving Southlake, TX, are available to assist you in purchasing an umbrella insurance policy. They are friendly, good listeners, and can answer all your questions and concerns. By working with a reputable insurance agent, you can be sure you will find that perfect extra protection you’re looking for at a price that makes you happy.

2. Bundle Your Policies

If you’re looking to purchase umbrella insurance, that means you already have other policies. This is good news. Bundle all your policies together under one carrier to save money on your monthly or quarterly payments. This won’t affect your deductible but will drive down the cost of adding umbrella insurance.

3. Compare Several Policies

Together with a reputable agent from Kimble Brown Insurance Agency, compare many different umbrella insurance quotes. When doing this, pay close attention to exactly what is covered, how much is covered, and for what price.

Ready to get started with securing your future with additional insurance in Southlake, TX? Contact our team today and a reputable agent will help you along the way. 

Whole Life Insurance Myths Texas Residents Should Avoid While Researching Different Policies

For over 10 years, Kimble Brown Insurance Agency has assisted the Southlake, TX community, as well as the surrounding areas by offering multiple types of insurance policies. We are committed to providing our clients with excellent customer service as we help them find the insurance coverage that they need.

Whole Life Insurance Myths

Life insurance allows you to secure the future of your loved ones after you pass away. During a difficult time in your family’s life, your life insurance policy will provide a layer of protection. One of the most common policies is whole life insurance. Whole life insurance provides coverage over the entire course of your lifetime. While you are researching the terms of this policy, be mindful of some common whole life insurance myths.

You Are Stuck In The Case Of An Emergency

You can amend your policy to provide coverage in the event that you become terminally ill. This allows your family to start preparing for your transition.

Medical Exams Are Not Necessary

While some policies will not require you to undergo an exam, it is recommended that you take an exam, so that you can find a policy that covers you in the event that an issue with your health arises.

Whole Life Insurance Is A Substitute For A Pension

This is incorrect. While whole life insurance policies are an asset, they are not designed to cover your future in a way that allows you to neglect your pension. Your policy acts as an accessory alongside your pension.

At Some Point, You Are Too Old To Research A Whole Life Insurance Policy

This is incorrect. Even if you are heading into your 40s, a whole life insurance policy is still an asset that you can use to help shape the rest of your life.

Kimble Brown Insurance Agency Can Help You

For more information on different life insurance policies, visit our website today. We proudly serve the Southlake, TX community.  

3 Tips for Improving Your Auto Insurance

Your auto insurance is easy to ignore entirely until you need to use it, which is exactly why every policyholder should consider the terms of their contract before they’re met with an unpleasant surprise. If you’re in Southlake, TX, Kimble Brown Insurance Agency has a few tips about how to improve your insurance before you get stuck in a bind. 

Consider Upgrading 

From bodily injury to collision to uninsured motorist coverage, there are a wide variety of coverages available that aren’t strictly required to be legal on the road. When something happens, you’ll be expected to cover certain costs on your own. If you’re driving a car that isn’t leased or financed, you might want to learn more about the risks you’re taking. 

Aftermarket Coverage 

What happens when you install a new stereo in your car? Or you buy fancy new rims for it? There’s no way for your auto insurance carrier to know this, which means that they might not be able to help you if that same stereo is stolen or the rims are damaged. If you’re not disclosing the upgrades you’re making to your vehicle in Southlake, TX, then your auto insurance provider isn’t necessarily liable to pay for them. 

Find the Right Partner 

Kimble Brown Insurance Agency knows how difficult it can be to find a carrier that can actually work with your individual needs. It’s why we make it a point to give you personalized advice that will help you understand more about the risks that you’re taking and how you can mitigate against them. If you have questions about your coverage, we’re here to talk. Give us a call today to learn more about the best policies that are right for you. 

What isn’t covered by my home insurance

Owning a home is something that most people look forward to. It comes with plenty of challenges and worries, but you buy home insurance so that you can feel protected against all the hazards life can throw at you. You may think your home insurance covers everything that could damage your home, but you would be mistaken. You may be quite shocked to find out what is not included. As a homeowner, you should always read your entire home insurance policy, but most people don’t, and that can be a costly mistake. At Kimble Brown Insurance Agency in Southlake, TX, we are a family-owned business, and we think of our clients as extended family. We have been offering stellar service for more than 15 years. 

Flooding causes more damage to homes than any other disaster except tornados. They cause billions of dollars of damage every year, and the damage is not covered on your home insurance. If you think flooding is a possibility, you can purchase a separate policy through the National Flood Insurance Program. 

Earthquakes and other forms of earth movement, such as sinkholes or mudslides, are all risks excluded from your home insurance. You can purchase an additional policy called an earth movement policy, which will protect you from many different kinds of earth movement. 

Mold is something that takes time to grow and be an issue. For that reason, most insurance companies consider it to be preventable, and therefore they will not cover the damage and remediation. Termites are also not covered. 

If you have luxury items such as antiques, expensive jewelry, or artwork, it will either not be covered or be undercover. You can, however, purchase a rider to give you the amount of coverage you need. 

These are just some of the things that aren’t covered by your home insurance. If you have questions, give Kimble Brown Insurance Agency in Southlake, TX a call and let us help you with a free no-obligation quote.

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.