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

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.

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

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.

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

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.

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

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

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.

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.

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.