Spring Home Inspection Tips

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Ah, springtime. It is that time of year again when we can begin to plan for the warmer seasons and all the events and activities that come with those warmer temperatures. However, many homeowners often do their annual spring chores, including spring cleaning and home inspections, to ensure their homes are ready for another year. This is also when people in and around the Southlake, TX area turn to professionals like the Kimble Brown Insurance Agency for home insurance needs, updates, or changes.

Preparing Your Home for Spring

If you are a homeowner, you should inspect a few areas of your home before spring and summer hit full stride. Following the colder season and wild weather patterns that Texas winters bring, ensuring your home has endured well and doesn’t need any attention or care is always a good idea.

Roofing 

One of the most common issues homes face is roofing problems. It is always a good idea to (safely) do a visual inspection for any damage to your roof once the weather breaks.

Home Exterior

Siding, broken panels, and even damage to doors, windows, gutters, and frames should all be evaluated when inspecting your home. Finding and fixing these issues now will prevent bigger headaches and greater expenses later.

Basement

If your home has a basement, spring is the ideal time to inspect the lower side for leaks. From pipes that swell to simple ground temperature changes, basement leaks often develop following winter. 

If you are a homeowner in or around Southlake, TX, and have questions or need help with home insurance, the friendly and professional team at the Kimble Brown Insurance Agency can help. Contact us to learn more and get the protection you need and deserve for your home today.

Who should get a flood insurance plan in the Southlake area?

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Understanding Flood Insurance Needs in Southlake, TX

If you live in Southlake, TX, accurately addressing your home insurance requirements, which may include flood insurance, is key. Here, we discuss situations when you might need a flood insurance policy.

Meeting Lender or Association Requirements

In some situations, you may be required to hold a flood insurance policy. For instance, if your home is in a designated flood zone, your lender may insist on flood insurance. Similarly, home associations often require homeowners in flood zones to have this type of coverage.

Safeguarding an Asset

Regardless of whether it’s mandatory for your property, having flood insurance is a wise option for protecting your home. Flood damage can incur hefty remediation costs. So, Texas residents often opt for a flood insurance policy to ensure they have financial assistance should their homes suffer from a flood.

If you’re a resident of Southlake, TX, it’s crucial to ensure you comprehensively assess your flood insurance requirements. Given the complexities associated with this type of coverage, you will benefit from working with our team at Kimble Brown Insurance Agency. The professionals at Kimble Brown Insurance Agency will provide the necessary guidance to understand your flood coverage needs and help you formulate a fitting policy.

Your Home Insurance Assessment

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Assessing your residence is one of the primary steps that should be taken before purchasing insurance. Use the guidelines below. Then, contact an agent at Kimble Brown Insurance Agency who serves Southlake, TX. Your representative can recommend insurance products.

Structure

Assess the structural materials of your home. The value of these items and the design of your home will affect how much coverage you need. The type of entryways your home is equipped with could also have a bearing on the home insurance you ultimately purchase.

Property

Take a look at the property that your home is located on. Take note of the geographical features of your property. Also, consider the type of enclosure that surrounds your property.

Risk Considerations

Liability coverage, personal possession coverage, fire protection, and flood protection are some types of insurance you may want to purchase.

Consider the risks that you are facing. For instance, purchasing a flood insurance policy could be beneficial if you live in an area prone to flooding. Keep track of all the types of insurance that you are considering.

Contents

Assess the value of the contents of your home. Make a list of all the furnishings, electronics, and other items of value that you would like your insurance policy to cover.

Your insurance coverage can pay for replacing or repairing any of the items you decide to insure. If you plan on purchasing big-ticket items in the future, you may need to increase the value of your insurance policy.

Contact Kimble Brown Insurance Agency!

At Kimble Brown Insurance Agency, our agents prepare new home insurance policies and modify existing policies. An agent who serves Southlake, TX, will be happy to assist you with any of your insurance requests.

Adventure Awaits: The Ins and Outs of Insuring Your Recreational Vehicles

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Adventure beckons around every corner in the vibrant city of Southlake, TX. At Kimble Brown Insurance Agency, we recognize the thrill that comes with owning recreational vehicles (RVs). Today, let’s delve into the essentials of RV insurance and how our agency can provide the coverage you need for your upcoming journeys.

The Freedom of the Open Road

Southlake residents understand the allure of the open road, and RVs offer a unique way to embrace adventure. Whether it’s a cross-country road trip or a weekend getaway, an RV’s freedom is unmatched. However, with this freedom comes the responsibility of protecting your investment.

Understanding RV Insurance

RV insurance goes beyond what standard auto insurance covers. Kimble Brown Insurance Agency recognizes the diverse needs of RV owners, offering comprehensive coverage that accounts for the unique risks associated with these recreational vehicles. From motorhomes to travel trailers, we’ve got your adventures covered.

Tailored Solutions for Southlake Explorers

Serving the Southlake community, we understand the distinct needs of local RV enthusiasts. Our agency goes the extra mile, providing tailored insurance solutions that align with the challenges and opportunities of exploring the great outdoors in and around Southlake.

Adventure awaits, and with Kimble Brown Insurance Agency, you can confidently hit the road. Contact us today to discuss how our RV insurance can provide the coverage you need. Whether you’re a seasoned traveler or just starting your RV journey in Southlake, TX, call us to learn more about recreational vehicle insurance today, to get help finding the policy right for you, or to obtain an estimate for a new policy.

Keeping Up with Your Home’s Rising Property Value by Reviewing Insurance Coverage

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Property values are rising in Southlake, TX, and in many other parts of the state. As homeowners throughout the country have discovered, however, the insurance implications of increased home values can require additional planning. At Kimble Brown Insurance Agency, we’re ready to help. You may have heard that, in areas where homes have been damaged or destroyed by fire or flood, repairs or replacement costs have risen even if coverage amounts have not. Also, homeowners need to take action to purchase the type of home insurance that meets their needs. Two common choices in Texas are actual cash value, which may cost less but cover the depreciated value of your home, or replacement and repair cost coverage, which restores your home’s condition.

Roof Repair Home Insurance Claims As Examples

Roof repairs are common events where homeowners will discover what their insurance covers. This is a critical situation because you’re restoring the look of your home and possibly the structure and the seal that protects your family from the elements. If a roofing contractor does an excellent job identifying repairs or replacement needed, the cost and complexity can be significant.

Tracking Your Home’s Value And Updating Coverage

At Kimble Brown Insurance Agency, we’re familiar with real estate in Southlake, TX, and ready to help with coverage adjustments to reflect rising property values and repair costs. The construction industry has faced labor and material shortages, reflected in rising repair and replacement costs. Our experts can help you keep your coverage up to date so that unexpected damage to your home or other concerns doesn’t leave you making up the difference to restore your property to its original condition. Call us and see!

Can I purchase flood insurance after a flood in Southlake, TX?

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Even if your Southlake, TX home isn’t in a floodplain, your property could be vulnerable to flooding. Your homeowner’s policy does not automatically protect you if you are a flood victim, so it is essential to understand your risks and whether you should protect your home with flood insurance. Kimble Brown Insurance Agency can help you look at the data and show you the options for getting extra protection.

Flash floods can happen with little to no warning, and Southlake, TX has experienced its share of flooding. Experts say the area can expect to see more flooding in the future. Everyone in Texas faces at least some risk of experiencing flooding at some point in the next several years.

Even one inch of water in your home can cause an enormous amount of damage. Water not only destroys your belongings, such as your clothing and furniture, but it can also destroy the very structure of your health. Water can also damage structures by creating mold and mildew, which are health hazards.

Unfortunately, there is usually a 30-day waiting period before your flood insurance policy becomes active. That means you cannot purchase a policy because you see in the news that bad weather is coming to your area. There are a few exceptions to the 30-day wait, and you can ask your agent if you have a question. Don’t be discouraged from going ahead and adding flood insurance when you are renewing your regular homeowner’s policy.

Make sure your Southlake, TX home has the protection it needs while you still can. If you have any questions about your flood risk or would like to discuss Texas flood insurance for your home, please feel free to call Kimble Brown Insurance Agency today.

Does Home Insurance Cover the Garage and Attached Structures?

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At Kimble Brown Insurance Agency in Southlake, TX, we ensure that every part of your home eligible for coverage is protected under our insurance policies. If your home has attached structures like a deck or garage, it can be confusing to determine whether your policy covers those structures. While each home insurance policy lists specialized terms and limits unique to that policy, we can offer some general ideas about whether a home insurance policy might cover those structures.

Does Home Insurance Cover the Garage and Attached Structures?

When your home has an attached garage or deck, discussing how this may affect your home insurance policy is a good idea. Since these structures are attached to your home, damage to them could also affect your home. Without a plan for covering emergency expenses in case of qualifying damage, you could find yourself facing not only a disaster in your living environment but also a financial disaster.

The good news is that most home insurance policies provide some coverage for attached structures. Unattached garages and storage sheds may also be eligible for coverage under specific sections of your policy. Home insurance is unlikely to provide coverage and protection for structures that aren’t attached to the home, such as a guest house, trailer, or RV. Nevertheless, you can consult with one of our agents to explore how you can cover important items that don’t qualify for coverage under your home insurance policy, such as vehicles, valuables, and secondary dwellings.

To discover how our policies can meet your home coverage needs, contact Kimble Brown Insurance Agency in Southlake, TX today!

Planning RV Camping Near Southlake, TX? Get Insured with Kimble Brown Insurance Agency

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Southlake, TX can be stunning throughout the year, and RV travelers have plenty of places to park their vehicles and enjoy some daytime and overnight fun. Protect your family and vehicle investment with adequate insurance before heading out to some of these top campsites in the area that boast RV spots.

1. Lake Tawakoni State Park

This state park encompasses a five-mile stretch of shoreline on massive Lake Tawakoni. An hour away from the Dallas-Metroplex, the park has amazing water activities available in the almost 40,000 reservoir lake. Plenty of RV parking on concrete slabs can hold RV’s up to 60 feet long, and most feature electrical and water hookups for travelers’ convenience. A haven for wildlife lovers, this is a popular spot for bass and high-fin blue catfish anglers.

2. 4R Ranch Winery Campsite

4R Ranch Winery Campsite has over 1130 acres of forests that are ideal for wildlife viewing, hiking, biking, and enjoying the quiet waterfront stream and ponds onsite. This pristine wilderness has several RV campsites in sizes that accommodate vehicles up to 50 feet. Some sites have electrical hookups and potable water stations. Many sites are also pet-friendly and allow campers to make campfires in their area.

3. Sandy Pines RV Park

The nearby town of Grapeland, TX is home to Sandy Pines RV Park, which is close to many top area attractions such as Caney Creek Winery, Grapevine Safari, and Mission Teigs State Park. However, there is plenty to do in the park itself, such as hiking, birdwatching, swimming, and biking. Slide into one of their extra large 40×15 concrete pods and easily hook up to water, sewer, and electricity.

Get Insured for RV Traveling

The type of RV insurance you’ll need in Southlake, TX will depend on the classification and size of the vehicle, as well as its intended uses. RV insurance in Texas can be tricky, so contact Kimble Brown Insurance Agency to learn more and get a personalized quote.

Flood Insurance: Why It’s Important for Texas Homeowners

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Flooding is not an uncommon event in Texas. Over the last few years, the Lone Star State has experienced several major flood events, some of which surprised homeowners. As flooding isn’t limited only to flood zone areas, all homeowners should be aware of the dangers of this disaster. At Kimble Brown Insurance Agency, we recommend Southlake, TX homeowners purchase flood insurance to protect their investment from the destructive effects of flooding. 

About Flooding

Water damage caused by a burst water pipe or toilet mishap isn’t the same as flood damage. Damage caused by plumbing problems is generally covered by home insurance. Not so with flood damage.

Flooding is a disaster caused by outside sources such as overflowing lakes, rivers, or ocean surges that can damage your property. Flooding can be triggered by severe rainstorms, hurricanes, or melting snow from mountains and can occur quickly, with little warning. Once flood waters enter your home, you can do little to control the damage. Without insurance protection, a flood event can result in the total loss of your home and its contents.   

Importance of Flood Insurance

Home insurance offers protection against many natural disasters, except flood damage. This leaves your home and valuables unprotected against the risk of flooding. That’s where flood insurance comes in.

Flood insurance is specifically designed to protect your assets from flood disasters. It only takes one flood to lose everything you’ve worked for all your life. Flood insurance reimburses you for damage caused to your home and loss of personal belongings so that you can rebuild, recuperate your losses and recover quicker from a flood disaster.

Contact Kimle Brown Insurance Agency for Flood Insurance!

To purchase flood coverage for your Southlake, TX home, contact Kimble Brown Insurance Agency today!

What is Landlord Insurance and Why You Need it in Southlake, TX

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As a landlord, you have a lot on your plate. Managing properties, finding tenants, and maintaining your investment can be time-consuming and challenging. That’s why having the right insurance coverage from the Kimble Brown Insurance Agency for your Southlake, TX, property is essential to protecting your assets.

What is Landlord Insurance?

Landlord insurance, sometimes called rental property or buy-to-let insurance, is a specialized coverage tailored for landlords. It aims to safeguard them from the many risks that come with leasing their properties.

It typically includes coverage for the building and any personal property used to maintain the rental (such as appliances and furniture). Also, landlord insurance often provides liability protection, covering legal and medical expenses if a tenant or visitor is injured on your property.

Why Do You Need Landlord Insurance in Southlake, TX?

There are several reasons having landlord insurance is crucial for property owners in Southlake, TX:

Protect Your Investment

Your rental property represents a substantial investment, and ensuring its protection is crucial. Landlord insurance can help cover expenses for repairs or reconstruction in the event of damage resulting from fire, storms, vandalism, or other insured threats.

Liability Coverage

As a property owner, you may be held liable for accidents occurring on your premises. Including liability coverage in your landlord insurance policy can shield you from expensive legal disputes and medical costs if someone sustains injuries while on your property.

Loss of Rental Income

Should your rental property become uninhabitable due to a covered incident, landlord insurance can help recoup the lost rental income. This support enables you to fulfill your financial responsibilities during such challenging times.

Ready to protect your investment? Contact Kimble Brown Insurance Agency today to discuss your landlord insurance options in Southlake, TX.