Floods are common in the Southlake, TX area, and it’s important to know what your insurance covers. If you have questions about whether your flood insurance policy will cover the cost of repairing or replacing your landscaping after a flood, you have come to the right place. Let’s learn about flood insurance and how the Kimble Brown Insurance Agency can help.

What is Covered by Flood Insurance? 

Flood insurance covers damage to structures such as your home, as well as any items that are kept inside the house. This includes furniture, appliances, electronics, clothing, and other personal property. Sometimes, it may also cover detached garages and outdoor sheds. 

Does Flood Insurance Cover My Landscaping? 

Unfortunately, most standard flood insurance policies do not cover damage to landscaping or trees on the property. Trees can be especially vulnerable during floods because the water flow or soil erosion can uproot their roots. Depending on the extent of the damage and how much it costs to repair or replace your landscaping after a flood, this can be a significant expense for homeowners. 

How Can I Protect My Landscaping from Damage During A Flood? 

The best way to protect your landscaping from flooding is to take precautions before an event. This includes planting trees away from waterways where possible and ensuring drainage systems function correctly so that water does not accumulate near your home or trees. If you live in an area with frequent flooding, consider investing in protective measures such as earthen berms around trees and shrubs or planting them in elevated containers filled with a soil mix that won’t erode easily when exposed to water runoff.

If you have questions about whether flood insurance covers landscaping damages in Southlake, TX, or want to learn more about protecting your property during floods, contact Kimble Brown Insurance Agency.

Anyone living in the Southlake, TX area will know that owning a recreational vehicle can be great fun. With many parks and trails in the area, you can have a lot of fun and stay active with an RV. It is also important to stay protected with insurance. There are various situations when getting coverage is a good idea. 

When Looking to Cover Assets

A situation when you want to have a recreational insurance plan is when you are looking to cover your asset. Recreational insurance is valuable as it will sometimes give coverage to replace or repair your asset. This will be helpful if the recreational asset is stolen, involved in an accident, or damaged in another way. If the asset secures any type of loan, the lender will also want you to carry this insurance. 

When Trying to Mitigate Liability

It would also be a good idea to have recreational insurance to try and mitigate your liability risks. Anyone that is going to operate one of these assets will run the risk that they cause an accident. If this happens, you will have to cover the damages you created during the collision. Your insurance policy will provide support for these costs. 

Recreational insurance is an excellent investment for anyone in the Southlake, TX area. When you invest in this type of insurance, calling the Kimble Brown Insurance Agency team can help. If you want to secure and insure these assets properly, Kimble Brown Insurance Agency will offer the guidance you need to choose a plan that will meet your needs. 

Kimble Brown Insurance Agency proudly serves the greater Southlake, TX area. If you have questions about flood insurance, we are happy to help you understand its necessity in certain areas of our region. Our team is here to help with all of your insurance needs!

Are you building a new home? Be sure to double-check if flood insurance is necessary.

Building a new home is an exciting project and one that comes with many decisions. When you live in a flood zone, or it’s a requirement of your lender, the decision to get flood insurance is a simple one. Many different areas in our region are prone to flooding even though they aren’t located within a flood zone. 

Before you build your new home, it’s worth the time spent looking into the area’s flood history. Knowing the frequency of flooding at your new homesite can help you decide whether or not you need flood insurance. The right insurance can make your new home even more comfortable!

It’s also important to check your new homeowner’s policy to see what coverage it provides. Many home policies don’t include protection from flood damage, making a flood insurance policy necessary. Please don’t wait until it’s too late to discover that your newly built home isn’t protected.

Protecting your home and belongings from flood damage is possible with a flood policy in addition to your homeowner’s insurance. 

Contact our office today

If you plan on building a new home in Southlake, TX, or the surrounding area, you can count on the folks at Kimble Brown Insurance Agency. Give us a call today, or come by our office!

If you own a recreational vehicle such as a boat, snowmobile, or motorhome, you must ensure that you’ve adequately insured it.

Recreational insurance can protect you financially as the owner of a recreational vehicle. However, there are numerous things you should do before selecting a policy to make sure you have the coverage you need. 

Determine the value of your recreational vehicle

It’s essential to have an accurate idea of how much your recreational vehicle is worth in total. Knowing the value of your recreational vehicle helps you determine how much collision coverage to carry on your policy. 

You should have enough collision coverage to cover the full value of your vehicle so you don’t risk the loss of your car in the event of an accident.  

Research your options

Collision coverage to cover the value of your recreational vehicle is not the only type of coverage you need. You also should have medical payment coverage, liability coverage, and more. 

Make sure that you’re aware of what recreational insurance should cover. You should also research the companies offering recreational insurance in your area and determine the best coverage options available.

Get quotes from numerous recreational insurance providers

To evaluate your coverage options, you should get quotes on recreational vehicle policies. Insurance providers in your area should offer free quotes. You can compare the value offered from the different policy quotes you get to choose the best insurance company for your situation and budget. 

We offer insurance coverage to recreational vehicle owners in Southlake, TX at Kimble Brown Insurance Agency. Get in touch with Kimble Brown Insurance Agency to learn more about our policy offerings and to get the coverage you need for your recreational vehicle in Southlake, TX.

A standard property insurance policy may not cover damages or liability if you rent a home. We offer landlord insurance at Kimble Brown Insurance Agency in Southlake, TX. 

What is Landlord Insurance? 

Landlord insurance protects you and your property when you rent a home. Landlord coverage typically consists of liability protection and property coverage. 

Liability Protection 

Liability protection will cover you if someone is injured on your rental property. In some cases, the renter may be responsible for any liability. However, if it’s determined that you are responsible for the accident, you are liable for any damages. Liability protection will prevent you from paying these expenses out of pocket up to the coverage limit. 

Property Protection 

Property protection covers the property you are renting. Dwelling coverage covers the home itself. If a covered event damages the house, including fire, wind, or hail, the damages will be covered under the policy. 

Other structure coverage includes any other buildings or structures on the property. This includes sheds and garages. 

Additionally, property protection coverage protects any property you use to service the rental. This includes lawn mowers, leaf blowers, and any other equipment you use for maintenance. 

Extra Coverage 

Some landlord policies include extra coverage. Vandalism coverage will cover any intentional damage to your property. This isn’t typically covered under a standard policy. 

If you are currently renovating the property or building a new home, you may consider rental property under construction coverage. It will provide extra coverage for damages that occur during construction. 

Lastly, you should consider building code coverage, particularly for older homes. If the building codes have changed since it was constructed, you are liable for bringing the building up to code. Building code coverage can cover these expenses. 

Landlord Insurance at Kimble Brown Insurance Agency

If you need landlord insurance in Southlake, TX, contact us at Kimble Brown Insurance Agency. We’ll help you find the right policy to protect your investment. 

As a condo owner, you want to know that your unit and personal belongings are protected in the event of some unfortunate incident. If you live in a flood zone, you have probably purchased flood insurance. Both condo and flood insurance provide protection for condo owners. However, in a flood, it’s still good to know what’s covered. Our team at Kimble Brown Insurance Agency is committed to helping Texas condo owners understand how flood insurance works and what’s covered. 

What is Flood Insurance?

A flood is defined as a build-up of water on land, usually dry. The main purpose of flood insurance is to cover/insure damage to your home or condo unit, car, and personal belongings if a flood damages them. Flood insurance would need to be purchased separately from condo insurance and cover flood damage to your unit. Flood insurance covers any losses caused as a direct result of flooding. 

What Does Flood Insurance Cover?

If a flood damages your condo, your flood insurance will pay to repair or fix the damage and replace damaged or destroyed items. The replacement cost is usually the actual cost of the damaged item or the actual cash value, whichever is less/lower. Specifically, flood insurance provides building coverage and contents coverage. This includes your walls, foundations, fixtures, cabinets, wallboards, and paneling. Flood insurance will also cover repairing and replacing your electrical and plumbing system, furnaces and water heaters, solar equipment, and well/fuel tanks. Your flood insurance policy will also cover your:

• Garage
• Refrigerators
• Stoves
• Dishwashers
• Personal belongings
• Furniture
• Carpeting
• Clothing
• Artwork and Valuables (limitations may apply)

Your flood insurance may also include trash and debris removal. If you have any questions regarding what’s covered under a flood insurance policy, please call us.