Why should you get recreational insurance in Texas?

When you live in the Southlake, TX area, you will find there are a lot of great recreational activities that you can enjoy and participate in. When you are looking to maximize your experience in this area, having your recreational vehicle or toy can be a great option. No matter what type of recreational asset you purchase, you will want to get the right insurance. There are various reasons for someone to get this coverage here. 

Cover the Asset and Investment

An important reason for anyone to invest in recreational insurance for their asset is to ensure it is covered. There will always be a big investment made when you purchase a recreational asset and having the right coverage for it is crucial. When you get a proper recreational insurance plan, it will ensure you can be covered if it is stolen or damaged. 

Reduce Liability Risk

While a recreational toy can be a lot of fun to drive, it does come with liability risks. If you make a mistake and cause an accident that results in damages, you will have to cover them and pay restitution. Fortunately, you are able to mitigate this risk by getting a recreational plan as it will provide coverage that is specifically designed to reduce your liability risks. 

As you are looking to get a recreational asset in the Southlake, TX area, it will be very important that you speak with someone that you can trust and that understands recreational insurance. Starting your search with the Kimble Brown Insurance Agency is a great option. When you are looking for coverage, the professionals with the Kimble Brown Insurance Agency can provide any guidance you need to choose a plan that will properly protect your recreational asset.

Home Insurance FAQ

Your home is more than just a house. It is your home, sanctuary, and place for you and your family to grow together. Making sure that your home is adequately insured protects the financial investment you have made in your home and provides a special peace of mind. At Kimble Brown Insurance Agency, serving Southlake, TX, and the surrounding areas, we want to help you make the best insurance choices. Please keep reading our home insurance FAQ. 

Why Do I Need Home Insurance?

If your home is under a mortgage, your mortgage company will require that you carry insurance. This protects the assets they are financing. 

Even if you are not required to keep insurance currently, a solid home insurance policy is essential to your family’s financial and emotional security. If your home is damaged or lost for some reason, it will be your financial responsibility to provide housing for your family. If you must pay out of pocket for repairs or replacing your home, it could leave you and your family vulnerable. This will affect your family financially, but the emotional stress of displacement can put a toll on a family. Home insurance protects you from these risks. 

What About Flood Insurance?

Most home insurance policies will provide coverage for property damage and liability. However, you should know that home insurance does not usually provide flood coverage. Flood insurance is a separate type of insurance policy. You can talk with an insurance agent about how to have this vital type of coverage added to your policy. 

If you would like to learn more about home insurance or any other services, don’t hesitate to contact us at Kimble Brown Insurance Agency, serving Southlake, TX, and the surrounding areas. 

Home Insurance FAQ

Your home is more than just a house. It is your home, sanctuary, and place for you and your family to grow together. Making sure that your home is adequately insured protects the financial investment you have made in your home and provides a special peace of mind. At Kimble Brown Insurance Agency, serving Southlake, TX, and the surrounding areas, we want to help you make the best insurance choices. Please keep reading our home insurance FAQ. 

Why Do I Need Home Insurance?

If your home is under a mortgage, your mortgage company will require that you carry insurance. This protects the assets they are financing. 

Even if you are not required to keep insurance currently, a solid home insurance policy is essential to your family’s financial and emotional security. If your home is damaged or lost for some reason, it will be your financial responsibility to provide housing for your family. If you must pay out of pocket for repairs or replacing your home, it could leave you and your family vulnerable. This will affect your family financially, but the emotional stress of displacement can put a toll on a family. Home insurance protects you from these risks. 

What About Flood Insurance?

Most home insurance policies will provide coverage for property damage and liability. However, you should know that home insurance does not usually provide flood coverage. Flood insurance is a separate type of insurance policy. You can talk with an insurance agent about how to have this vital type of coverage added to your policy. 

If you would like to learn more about home insurance or any other services, don’t hesitate to contact us at Kimble Brown Insurance Agency, serving Southlake, TX, and the surrounding areas. 

Does Flood Insurance Cover Personal Property?

In the state of Texas, most flood insurance policies are issued by the National Flood Insurance Program. Yet, it is still sold via traditional insurance providers. The experienced agents at Kimble Brown Insurance Agency of Southlake, TX are familiar with NFIP coverage and are happy to help with any questions you may have.

Building Property Flood Insurance vs. Personal Property Flood Insurance

Personal property flood insurance and building property flood insurance must be purchased separately, so it is vital to understand the coverage you have to know that you are fully protected. In general, a building property flood insurance policy will cover the structure, as well as any appliances or permanent equipment attached to that structure. You will need a personal property flood insurance policy to cover any items that are not attached permanently to the structure.

It is important to note that some items may not be covered by building property or personal property flood insurance. This typically includes items that are outside of the building or issues that arise as a consequence of the flooding. It is critical that you know exactly what type of flood insurance coverage you have to determine what is and is not covered.

Making the decision to purchase flood insurance as well as the type of flood insurance to purchase can be stressful. At Kimble Brown Insurance Agency of Southlake, TX, we are here to help relieve that stress.

We will take the time to work with you to make certain that you understand all of the coverage options that are available to you. Then we will help you decide on the best type of coverage to meet your specific needs. You will be able to rest easy knowing that should disaster strike, you and your family will be taken care of and protected with proper coverage.

How Much Home Insurance Do I Really Need?

For many people in Southlake, TX, the biggest investment that they will ever make is their home. For this reason, you must have the right amount of home insurance in place to protect you if disaster strikes. Unfortunately, many people are unaware of just how much coverage is enough. At Kimble Brown Insurance Agency, we will walk you through all of the coverage included in a standard home insurance policy as well as provide you with options for additional coverage that you may need.

Dwelling Coverage

Obtaining the right amount of coverage starts with dwelling coverage. This is the amount that you will be paid if your home requires repairs following an insured incident or is declared a total loss. You will only be paid in an amount up to the limits of your policy. This means if you do not have enough coverage, you will not have the financial support to rebuild.

Start with the cost to rebuild your house in your area based on current material costs and local construction fees. You can use an online calculator, get an estimate from a professional contractor, or ask your insurance provider for an estimate. Once you know the amount that it would take to rebuild your home, you will know how much to include in your home insurance policy.

Other Coverages to Consider

In addition to dwelling coverage, you will also need to consider additional coverage options. For example, a standard policy does not include things like floods and earthquakes, you will have to purchase additional policies for that. In addition, some valuable items such as firearms and jewelry have limited coverage in a standard policy, so you may want to consider additional coverage there as well.

If you live in the Southlake, TX area and you have questions about your home insurance, contact Kimble Brown Insurance Agency. Call today.

Texas Recreational Insurance – Does Recreational Insurance Cover Personal Injury?

Texas is one of the biggest states in the nation with wide-open spaces and warm weather nearly year-round.  It’s no surprise that Texas is a notable state for recreational vehicle use or RV use.  Much like regular auto insurance, RV insurance covers your RV in the case of an accident or other events that could happen during the life of your RV.  We will cover some of these events further down below.  Kimble Brown Insurance Agency in Southlake, TX offers RV insurance and other types of insurance needs.

RV Insurance

RV Insurance is quite similar to auto insurance in terms of policies offered and coverage limits, except that the coverage limits for RV’s are much greater than automobiles due to the size of RV vehicles.  RVs take up the space of two or sometimes three regular automobiles, so the chances for greater damage in the event of an accident are far greater than just a regular automobile, hence…the higher coverage limits in the policy.

Personal Injury

What if someone gets injured or suffers property damage in an accident that you’ve caused with your recreational vehicle?  The personal liability coverage of the RV insurance policy is a standard coverage offered in practically all RV insurance policies.  This is due to the fact that in most states, personal liability/damage coverage is a required facet of RV insurance and for your RV to operate legally on the road, you must have this coverage.  Personal Liability coverage handles accidents or damage that your RV causes to others and covers their injuries and property damage in these events.  

More Information

You can learn more about recreational insurance coverage by contacting Kimble Brown Insurance Agency in Southlake, TX today!

What Are The Most Common Myths About Home Insurance?

Home insurance, also known as homeowners insurance, is a type of personal insurance that pays to rebuild or repair your home if it was damaged or destroyed by a storm, hail, hurricane listed in your policy. It also covers your personal belongings and pays for additional living expenses. 

There are many myths and misconceptions about home insurance, and in this article, Kimble Brown Insurance Agency serving clients in Southlake, TX and other nearby towns, decided to list and debunk some of them: 

Most Common Myths About Home Insurance

Here is a list of common myths:

  • Standard home insurance covers flood damages. Unfortunately, it is not true, and a standard homeowners policy does not include flood coverage. If you want to protect your home from floods, you will have to purchase special separate flood insurance. 
  • Home insurance is too expensive. Yes, home insurance costs money, but there are many insurance companies that offer discounts to make home insurance more affordable. 
  • Home insurance covers everything. It is also a very common myth, but the truth is that home insurance has its limitations. For example, if you have very expensive and valuable items in your home, it is recommended to get a separate policy because your home insurance may not cover them completely. 

If you are a car owner from Southlake, TX or any other nearby area and you are looking for an insurance company to buy auto insurance to protect your car and yourself on the road, Kimble Brown Insurance Agency is the right choice. Our experienced, professional, and qualified insurance agents are always ready to answer your questions and find a great policy for you based on your insurance needs and budget. 

4 Benefits of Home Insurance

If you have a home, it means you’ve put in almost your entire savings into it, making your home a precious asset. You see, a home not only gives you a sense of protection and security but also houses most of your valuables. To that end, your home requires proper protection with home insurance, as one occurrence of a natural calamity can bring down your entire investment in a matter of seconds. 

If you are a homeowner and haven’t given home insurance much attention, perhaps it’s time. Once you consider the benefits of home insurance as prepared by Kimble Brown Insurance Agency, you will be excited to purchase one. 

Offers liability coverage

Liability coverage is one of the reasons home insurance comes in handy. It could cost you thousands of dollars if someone got injured in your compound and require medical attention. Worse still, if you got sued. With liability coverage, all these expenses are your insurer’s headache. 

Protection of the main structure

Where you live, your primary dwelling is the key reason most people buy home insurance. Imagine losing your house due to fire or tornado. The cost of rebuilding another one would cost a fortune. That’s when homeowners insurance comes in when such incidences happen. 

Protection of your home’s contents

Your home contents are indeed costly. Think of your furniture, clothes, electronics, appliances, and any other valuable item you own. If a covered event destroys these items, your home insurance comes to your rescue.

Offers temporary living expenses coverage

Your homeowner’s insurance does more than just repairs. It compensates for the loss of use expenses. If your house becomes inhabitable due to a covered peril, the policy will put you in a temporary place and foot the costs up to the covered limit as your dwelling undergoes repairs.

Home insurance in Southlake, TX

Solid homeowner’s insurance can offer the above benefits and much more. If you are looking for home insurance in Southlake, TX and its environs, look no further than Kimble Brown Insurance Agency. We offer customized policies that suit your needs. Contact us today for an affordable quote.

Why Is Flood Insurance Important in Texas?

If you live in Texas, you could be miles upon miles from the nearest body of water. If you don’t live near a body of water, you might even wonder if there is a need to purchase flood insurance.

In spite of your own feelings about flood insurance, your mortgage provider may require that you have a policy. Kimble Brown Insurance Agency, which serves homeowners in Southlake, TX, can shed light on the importance of flood insurance.

You Are Always at Risk of a Flood

Simply because you do not live in a high-risk flood zone does not mean that you face no risk. Even those who live in low-risk flood zones could lose everything in a flood. Natural disasters, including hurricanes and dam breaks, can impact anybody. Flash floods, heavy rain, and other disasters can all leave you with serious water damage.

Your Home Is Not Covered Without a Flood Policy

Simply because you have renters or homeowners insurance does not mean you are protected in case of a flood. If a flood does hit, you could face financial damages because your homeowners or renters insurance does not cover your expenses.

Get Your Flood Insurance Policy

Do you still have questions about your flood policy? It’s normal to be unsure about what to expect. Check out coverage for your home systems, carpeting, appliances, personal property, foundation, support, garage, and other features of your home.

Are you ready to check out flood insurance policy options? Kimble Brown Insurance Agency may be able to help you if you live in Southlake, TX. Consult with a professional to learn more about insurance in your region.

What Is Recreational Insurance?

If you and your loved ones like taking trips, recreational insurance is something you need to think about. Even when things go wrong on your trip, you can relax, knowing you will not experience a significant financial loss. And while this might be something of interest to you, you may be questioning what exactly recreational insurance is. At Kimble Brown Insurance Agency of Southlake, TX, we take you through what you need to know about recreational insurance.

What is Recreational Insurance?

This is a type of insurance that covers vehicles like trailers and motorhomes that you only use once in a while. It is crucial as it can protect you from incurring high costs if the car gets damaged while you are on a trip.

What Does Recreational Insurance Cover?

To enjoy the benefits of recreational insurance, you will need coverage for things like vandalism, theft, and damage. Here are some of the coverage you can opt for.

  • Bodily injury liability: This type of coverage will help cover the medical expenses arising from an accident where you are at fault.
  • Property damage liability: If you get in an accident with your RV and damage someone else’s property, this coverage can help cover the cost of repairing or replacing the damaged property.
  • Medical Payments: This type of coverage comes in handy in covering medical bills for you and other passengers in the RV, regardless of who is at fault.
  • Collision Coverage helps pay for the repair costs of your RV when you have been in a collision with other vehicles.
  • Uninsured Coverage comes in handy when you get involved in an accident where the other driver lacks adequate liability insurance to cover medical expenses from injuries and repair costs to your vehicle.

If you reside in Southlake, TX, and own an RV, do not ignore recreational insurance because you are having trouble understanding the details. Contact us at Kimble Brown Insurance Agency for assistance and explanation on how you can benefit from recreational insurance.