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.

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.

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.