If you own a home, you need a flood insurance policy for it. This is in addition to your home insurance policy. Many people don’t get flood insurance for various reasons, but all homeowners need it. When you need a flood insurance policy, we can help. Give us a call at Kimble Brown Insurance Agency in Southlake, TX.

Flood Zone Classification

Many areas are classified as flood zones. These are often areas near a body of water that can flood. Flood zones are marked with several years that are expected to be between floods. This may be five years, ten years, fifty years, etc. The homes in the zone will likely get flooded during that time. When you live in one of these zones, you are generally required to have flood insurance. That’s why many people outside flood zones believe they don’t need flood insurance. After all, it isn’t required for them, and their area isn’t known to be flooded. However, this isn’t the case. 

Outside of Flood Zones

Virtually any area can flood, and Texas often floods. About 20% of flood damage claims are for homes outside flood zones, meaning many flood victims don’t live in these areas. That makes it imperative that homeowners ensure they’re covered with flood insurance. Your location can flood, and it might. 

Get Flood Insurance

Flood insurance is backed by the National Flood Insurance Program, which gives it solid backing and a guarantee of funds. To get your flood insurance policy, call Kimble Brown Insurance Agency in Southlake, TX, to learn more. 

If you enjoy outdoor activities and have one or more recreational vehicles, then recreational insurance is a must. Good insurance helps protect you from financial loss when a covered event occurs and can help pay for medical bills if someone is injured.

At Kimble Brown Insurance Agency, servicing Southlake, TX, we offer recreational insurance to our customers so they can find the right kind of insurance to protect them. 

What is Recreational Insurance?

Recreational insurance is a category of insurance that covers recreational vehicles like RVs, watercraft, and ATVs. Recreational insurance can cover property damage or loss as well as medical bills for injuries sustained while using your recreational vehicles.

A standard homeowners insurance policy may not cover these devices and vehicles, or if it does, it may be in a very limited capacity. Therefore, it is important to get an insurance policy to cover these devices. 

Who Needs Recreational Insurance?

You can benefit from recreational insurance if you have invested in outdoor vehicles that are used for outdoor recreation. Recreational insurance allows you to enjoy your recreational vehicles without worrying about the financial implications of costly accidents. 

In addition, recreational insurance may be required for your RV if you have a loan. Your lender will tell you about the terms of your RV loan. 

How Can I Get Recreational Insurance? 

The best way to get recreational insurance is to speak with an insurance agent from Kimble Brown Insurance Agency servicing Southlake, TX. As an independent insurance agency, we work with many carriers to help our customers find the right policy for their needs. Call today to learn more about our recreational insurance and how a policy can help you. 

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 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.

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.

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.

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!

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.

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.