Flood Insurance: Why It’s Important for Texas Homeowners

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

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.

Why do you need flood insurance in Texas?

Those in the Southlake, TX area will find that owning a home continues to be a great way to build long-term wealth while having a consistent place to live. When you buy a home, you must ensure you get the right insurance. For some, this means getting flood insurance. There are different reasons why you may need to get this coverage here. 

Protect Against Flood Risks

One of the top reasons to get a flood insurance plan in this part of Texas is to protect your home. If your home is an area that is prone to flooding, you likely know the severe damage that it can cause. Usually, your standard home insurance plan will not offer much flood protection. If you have flood insurance, you will have support to mitigate this risk. 

Comply with Requirements

It would also be a good idea to get a flood insurance plan to comply with any requirements. If you are deemed to be in a high-risk flood area, your mortgage lender will likely require you to have this coverage. They may also escrow four flood insurance payments each month, which will help ensure you remain covered throughout the loan term. 

Flood insurance is an essential form of coverage for all property owners in the Southlake, TX area. When looking for this coverage, you will want to speak with someone you can trust and who is familiar with this coverage. It would be a great idea to call our team with the Kimble Brown Insurance Agency when you are looking for coverage. Our team with Kimble Brown Insurance Agency will help you build a new plan that meets your needs.

Safety tips for a fun summer with your recreational vehicle

Summer is the perfect time for adventure and fun, and what better way to do that than by taking your recreational vehicle (RV) out for a trip? While hitting the open road in your RV can be a fantastic experience, it’s important to remember that safety should always come first. Whether you’re a seasoned RV pro or a first-time driver, Kimble Brown Insurance Agency has some tips for a safe and fun summer!

Keep Up the Maintenance on Your RV

Before leaving Southlake, TX, on your adventure, ensuring your RV is in good working condition is crucial. Some essential things to check include brakes, tires, lights, and all the fluids levels. Ensure you have a first-aid kit and necessary tools if any repairs are needed while on the road. Regular maintenance can help prevent many issues, so it’s vital to schedule regular check-ups and oil changes.

Stay Alert and Take Breaks

Driving any vehicle requires alertness, but driving an RV requires extra attention. Taking frequent breaks is essential, as driving for long hours can be tiring. Staying alert and focused can prevent accidents and ensure that you arrive safely. Never drive when you’re too tired or distracted; share the driving with someone else.

Be Cautious on the Road

Driving an RV requires caution and patience, as these vehicles can be challenging to maneuver. Always ensure you give yourself enough space when turning and changing lanes, and avoid sudden braking or accelerating that can cause other drivers behind you to panic. Remember to adhere to all traffic rules and regulations and maintain a safe speed.

Stay safe on the road this summer. If you’re in Southlake, TX, don’t hesitate to contact Kimble Brown Insurance Agency for all your RV insurance needs.

Tips to prepare your house for a storm

No one likes to experience a storm, but taking the proper precautions can ensure that when one does hit the Southlake, TX area, you are ready. Here are some tips from us at Kimble Brown Insurance Agency on how to prepare your house for a storm: 

  1. Check for any damage outside your home and repair it as soon as possible. Ensure all windows and doors are properly sealed, and there are no weak points where water may enter.
  2. Clear away any nearby debris or items that could become airborne during a storm. This includes power lines, tree branches, outdoor furniture, and other items that should not be left outdoors during bad weather conditions. 
  3. Have an emergency kit handy if you must evacuate your home quickly due to flooding or high winds. This kit should include basic necessities such as food, water, batteries, flashlights, blankets, and first aid supplies. 
  4. Be sure to secure all outdoor objects such as grills, bicycles, and outdoor furniture by either moving them inside or tying them down with rope or bungee cords to prevent them from becoming projectiles during high winds or hail storms. 
  5. Install surge protectors throughout your home so that electrical appliances do not sustain any damage from power surges caused by distant lightning strikes or downed power lines near your residence. 

Following these safety tips before a storm hits, you’ll be better prepared for anything nature throws at you! For more information, or if you’d like to explore your house’s insurance policy, give us a Kimble Brown Insurance Agency a call today. We are proud to serve the Southlake, TX area.

Does Flood Insurance Cover My Landscaping?

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.

Essential Tips for Choosing the Right Home Insurance in Southlake, TX

Are you a homeowner in Southlake, TX, looking for the right home insurance? Whether you are a first-time homebuyer or an experienced homeowner, it’s essential to understand the different coverage options and what they mean for your home. 

Know Your Needs 

The first step in choosing the right home insurance policy is understanding your needs. Make sure you assess all of your current needs and potential future needs before selecting a policy. Think about what kind of coverage you need now and what risks may arise in the future that require more comprehensive coverage. For example, additional coverage should be considered if you live in an area prone to extreme weather or earthquakes. 

Choose an Experienced Provider 

When selecting an insurance provider, finding one with experience and expertise in both residential and commercial policies is essential. The provider should be able to explain all the features and benefits of their policies so that you can make an informed decision about which one best meets your needs. Kimble Brown Insurance Agency has years of experience providing personalized policies for homeowners throughout Southlake, TX.  

Understand Your Coverage Options 

Once you have chosen a provider, it’s time to consider your coverage options. Make sure that whatever policy you select offers enough coverage for current and potential future risks associated with owning a home. It’s also essential to read through the fine print and ask questions if there is anything that isn’t clear or if something doesn’t sound right.

Choosing the right home insurance policy is not always easy, but following these essential tips can help you get the most out of your policy without sacrificing quality or affordability. Remember that having proper coverage can save you from costly repairs or medical bills down the road, so do your research before deciding! For all your home insurance needs, contact Kimble Brown Insurance Agency today!

When is it a good idea to get recreational insurance in Texas?

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. 

Ways in Which Home Insurance Protects You

Do you have a home in Southlake, TX? Have you thought about home insurance? If you haven’t, this is the time to invest in homeowners insurance. Home insurance can save you significant financial losses when disasters occur.

Kimble Brown Insurance Agency is the preferred insurance agent in Southlake, TX, and today we share ways in which home insurance protects you.

Protects your building structure

Home insurance compensates you when covered perils damage your home. For instance, if a fire ravages your dwelling structure, home insurance pays for the damage up to the coverage limit. This happens for every loss caused by a covered peril.

Covers your personal belongings

Home insurance isn’t about your structure only — it covers the contents inside, too. If you have clothing, electronics, furniture, etc., you don’t have to worry about their safety if you have home insurance. Like dwelling coverage, contents coverage compensates you for the loss or damage to your assets up to the coverage limit.

Liability protection

Suppose you are accused of causing bodily injury or property damage to others. Without insurance, this can be pretty expensive. Luckily, liability coverage covers the cost of liability claims, including lawsuits. For instance, if someone breaks their leg after falling on your stairs, liability coverage covers the medical expenses, including the loss of wages, if they prove their income has been affected due to the injury.

Loss of use

Home insurance covers additional living expenses if a covered peril renders your home unlivable. Home insurance covers expenses like hotel accommodation and food until your home is repaired.

Ready to invest in home insurance in Southlake, TX? Please get in touch with Kimble Brown Insurance Agency for an affordable quote. We also help you choose the coverage that satisfies your current needs.

Be sure to double check your flood insurance needs before building your new home

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!