Property owners that are in the Southlake, TX area will need to get proper insurance for their home. When you are looking for an insurance plan in this area of the state, it is important to consider your flood insurance needs. This is an important form of coverage that gives protection specifically against the risk of flood damage. There are a few situations in which having this coverage would be a good idea for a property owner here. 

Flood Insurance Needed to Protect Home

A reason that many people in this area will need to get flood coverage is that it is needed to protect their home. Your property is a very important asset that you need to protect. When you get a flood insurance plan it will ensure that you have the coverage needed to cover costs related to potential flood damage. As your base home policy may not offer much flood coverage, having flood insurance is very important in some situations.

Lender Will Require Coverage

You will also need to get a flood insurance plan if your mortgage lender requires it. Mortgage lenders want to know that your home is properly covered with insurance. If you are located in an area that is at risk of flood damage the mortgage provider will undoubtedly want you to get flood coverage at all times. 

There are many situations when having flood insurance would be a good investment for a Southlake, TX business owner. If you are looking for an insurance plan here, it would be beneficial to call Kimble Brown Insurance Agency. The team with the Kimble Brown Insurance Agency understands the value that this insurance protection provides. They can then help you assess your situation and find a policy that will meet your needs. 

Motorcycles are not only a great way to add a little adventure to your life, but they can also be a wonderful financial investment. Many motorcycles hold on to their value very well, not to mention the money you save in fuel when using a motorcycle as a main type of transportation. In order to get the most out of your motorcycle ownership, you need to make sure you are properly insured. At Kimble Brown Insurance Agency, serving Southlake, TX, we want to help you get the best insurance information possible. Keep reading to learn 3 things you didn’t know about motorcycle insurance. 

Insurance Is Required in Most States

In order to operate your bike legally in most states, you need minimum coverage insurance. This is required by law as both a protection for you and for all of the other motorists on the road. If you are in an accident, your insurance policy will kick in to pay for the expenses of repairing or replacing your bike, as well as the expenses for the other drivers involved. This keeps you from financial liability. 

Insurance Often Includes Towing

It is important to read all of the details of your insurance policy. In many cases, your policy will include services such as towing. This can be very helpful. It is never recommended to leave a bike alone on the side of the road. Towing services are a must for a bike owner. 

Insurance Often Covers Your Gear

Protective gear is a necessity when riding. Because this gear is so important, it is often included under items covered in your insurance policy. 

To learn more about motorcycle insurance, please contact our staff today at Kimble Brown Insurance Agency, serving Southlake, TX. We will be happy to answer any questions you may have. 

You can never have too much insurance. You just never know when something might happen that requires more coverage than what your traditional policies cover, be they home, renters or auto insurance. For this reason, it’s a good idea to consider purchasing extra insurance, or what is known as umbrella insurance. This type of policy kicks in when you’ve exhausted other policies. Having umbrella insurance is a great investment in your future and your peace of mind. To get started with the policy buying process, here are three easy tips to follow.

1. Work with a Reputable Agent

Reputable insurance agents, like those at Kimble Brown Insurance Agency serving Southlake, TX, are available to assist you in purchasing an umbrella insurance policy. They are friendly, good listeners, and can answer all your questions and concerns. By working with a reputable insurance agent, you can be sure you will find that perfect extra protection you’re looking for at a price that makes you happy.

2. Bundle Your Policies

If you’re looking to purchase umbrella insurance, that means you already have other policies. This is good news. Bundle all your policies together under one carrier to save money on your monthly or quarterly payments. This won’t affect your deductible but will drive down the cost of adding umbrella insurance.

3. Compare Several Policies

Together with a reputable agent from Kimble Brown Insurance Agency, compare many different umbrella insurance quotes. When doing this, pay close attention to exactly what is covered, how much is covered, and for what price.

Ready to get started with securing your future with additional insurance in Southlake, TX? Contact our team today and a reputable agent will help you along the way. 

For over 10 years, Kimble Brown Insurance Agency has assisted the Southlake, TX community, as well as the surrounding areas by offering multiple types of insurance policies. We are committed to providing our clients with excellent customer service as we help them find the insurance coverage that they need.

Whole Life Insurance Myths

Life insurance allows you to secure the future of your loved ones after you pass away. During a difficult time in your family’s life, your life insurance policy will provide a layer of protection. One of the most common policies is whole life insurance. Whole life insurance provides coverage over the entire course of your lifetime. While you are researching the terms of this policy, be mindful of some common whole life insurance myths.

You Are Stuck In The Case Of An Emergency

You can amend your policy to provide coverage in the event that you become terminally ill. This allows your family to start preparing for your transition.

Medical Exams Are Not Necessary

While some policies will not require you to undergo an exam, it is recommended that you take an exam, so that you can find a policy that covers you in the event that an issue with your health arises.

Whole Life Insurance Is A Substitute For A Pension

This is incorrect. While whole life insurance policies are an asset, they are not designed to cover your future in a way that allows you to neglect your pension. Your policy acts as an accessory alongside your pension.

At Some Point, You Are Too Old To Research A Whole Life Insurance Policy

This is incorrect. Even if you are heading into your 40s, a whole life insurance policy is still an asset that you can use to help shape the rest of your life.

Kimble Brown Insurance Agency Can Help You

For more information on different life insurance policies, visit our website today. We proudly serve the Southlake, TX community.  

Regular home or business insurance does not cover flood damage to your home or business. If you want to cover your property from flood damage, you need to purchase a separate flood insurance policy.

How much damage can a flood cause a home or business?

The Kimble Brown Insurance Agency serving Southlake, TX can help you with this question and more.

Flooding happens in the wake of a heavy storm, tornado, or hurricane. In these cases, the damage is not so much caused by winds but from rising floodwaters that overwhelm storm drain systems, pouring up into the yard or parking lot where it can threaten your home or business.

Flood water in a home or business can destroy carpeting and furniture. It can compromise the building’s electrical system and even cause structural damage. Even a few inches of water can cause tens of thousands of dollars’ worth of damage that you will have to pay out of pocket if you do not carry flood insurance.

Hurricane Harvey, which struck the Texas Gulf Coast a few years ago, demonstrated the need for flood insurance. The winds did not cause a lot of damage. The many feet of rain that followed turned the Greater Houston area into a lake, causing hundreds of billions of dollars in damage and a lifelong memory of trauma for those who endured it. That should be a sobering wakeup call.

You should also consider the emotional toll that flood damage can cause. Dealing with a flood’s aftermath can be overwhelming. Flood insurance can provide peace of mind.

For questions regarding flood insurance feel free to contact the Kimble Brown Insurance Agency serving Southlake, TX.

When people invest in recreational vehicles, such as ATVs and off-road vehicles, they plan on having a good time. Riding around on an ATV in open land is a fun activity that many enjoy during the spring/summertime. Having fun is an amazing thing to do in life, however, it is important to make sure that you and your investment are properly protected. 

Here at Kimble Brown Insurance Agency, we serve the residents of Southlake, TX. We aim to ensure that all of our clients receive the insurance they need. With recreational vehicles such as ATVs, people can be pretty passionate about them. You want the proper insurance to make sure they are protected. Here are a few details to know while shopping for recreational insurance with an ATV.

In the state of Texas, it is not required for ATV owners to have insurance on their ATVs. However, to be responsible and protect your investment it is highly required. You protect yourself in the worst-case scenario of an accident and suffer an injury. You also protect your ATV as you can utilize recreational insurance for situations such as theft, vandalism, and repair necessities. Having your ATV insured properly will essentially save you money in the long run. When you speak with an agent, they will help you determine the type of coverage that is beneficial for you and your ATV use. 

Are you ready to start shopping for your recreational insurance? One of our representatives can assist you if you would like to call our office at (817) 722-5761. Our team is ready to help answer your questions and get you started with a quote.

When it comes to flood insurance, you may have several questions. One of the most common questions is whether or not the insurance will pay for temporary housing that may be necessary as a result of covered flooding. Before purchasing your flood insurance, be sure to inquire about the terms and conditions so you can be prepared for any issues that may arise during a claim.

Is Temporary Housing Covered?

Unfortunately, flood insurance doesn’t cover temporary housing in the event of a covered claim. The wise thing to do to help avoid surprises and hardships is to prepare for unexpected incidents that may require temporary housing. Ask your insurance agent if there may be some other insurance-related options that can help minimize impacts during a flooding event.

Guidance From Professionals

One of the main perks that come with working together with an insurance agent is the ability to have access to their knowledge and insight within the insurance industry. This helps customers make more informed choices, and better prepares them for potential claims in the future. If you live in or near the Southlake, TX area and want expert guidance through the insurance shopping process, you can rely on Kimble Brown Insurance Agency to give you the support you need before, during, and after the policy purchase. 

Flood insurance is an excellent way to protect your home from a variety of possible flooding scenarios, whether you live near the coast or in an area where there is potential for flooding. Call or stop by Kimble Brown Insurance Agency, serving Southlake, TX to find out more about flood insurance options.