Texas is one of the biggest states in the nation with wide-open spaces and warm weather nearly year-round.  It’s no surprise that Texas is a notable state for recreational vehicle use or RV use.  Much like regular auto insurance, RV insurance covers your RV in the case of an accident or other events that could happen during the life of your RV.  We will cover some of these events further down below.  Kimble Brown Insurance Agency in Southlake, TX offers RV insurance and other types of insurance needs.

RV Insurance

RV Insurance is quite similar to auto insurance in terms of policies offered and coverage limits, except that the coverage limits for RV’s are much greater than automobiles due to the size of RV vehicles.  RVs take up the space of two or sometimes three regular automobiles, so the chances for greater damage in the event of an accident are far greater than just a regular automobile, hence…the higher coverage limits in the policy.

Personal Injury

What if someone gets injured or suffers property damage in an accident that you’ve caused with your recreational vehicle?  The personal liability coverage of the RV insurance policy is a standard coverage offered in practically all RV insurance policies.  This is due to the fact that in most states, personal liability/damage coverage is a required facet of RV insurance and for your RV to operate legally on the road, you must have this coverage.  Personal Liability coverage handles accidents or damage that your RV causes to others and covers their injuries and property damage in these events.  

More Information

You can learn more about recreational insurance coverage by contacting Kimble Brown Insurance Agency in Southlake, TX today!

If you live in Texas, you could be miles upon miles from the nearest body of water. If you don’t live near a body of water, you might even wonder if there is a need to purchase flood insurance.

In spite of your own feelings about flood insurance, your mortgage provider may require that you have a policy. Kimble Brown Insurance Agency, which serves homeowners in Southlake, TX, can shed light on the importance of flood insurance.

You Are Always at Risk of a Flood

Simply because you do not live in a high-risk flood zone does not mean that you face no risk. Even those who live in low-risk flood zones could lose everything in a flood. Natural disasters, including hurricanes and dam breaks, can impact anybody. Flash floods, heavy rain, and other disasters can all leave you with serious water damage.

Your Home Is Not Covered Without a Flood Policy

Simply because you have renters or homeowners insurance does not mean you are protected in case of a flood. If a flood does hit, you could face financial damages because your homeowners or renters insurance does not cover your expenses.

Get Your Flood Insurance Policy

Do you still have questions about your flood policy? It’s normal to be unsure about what to expect. Check out coverage for your home systems, carpeting, appliances, personal property, foundation, support, garage, and other features of your home.

Are you ready to check out flood insurance policy options? Kimble Brown Insurance Agency may be able to help you if you live in Southlake, TX. Consult with a professional to learn more about insurance in your region.

If you and your loved ones like taking trips, recreational insurance is something you need to think about. Even when things go wrong on your trip, you can relax, knowing you will not experience a significant financial loss. And while this might be something of interest to you, you may be questioning what exactly recreational insurance is. At Kimble Brown Insurance Agency of Southlake, TX, we take you through what you need to know about recreational insurance.

What is Recreational Insurance?

This is a type of insurance that covers vehicles like trailers and motorhomes that you only use once in a while. It is crucial as it can protect you from incurring high costs if the car gets damaged while you are on a trip.

What Does Recreational Insurance Cover?

To enjoy the benefits of recreational insurance, you will need coverage for things like vandalism, theft, and damage. Here are some of the coverage you can opt for.

• Bodily injury liability: This type of coverage will help cover the medical expenses arising from an accident where you are at fault.
• Property damage liability: If you get in an accident with your RV and damage someone else’s property, this coverage can help cover the cost of repairing or replacing the damaged property.
• Medical Payments: This type of coverage comes in handy in covering medical bills for you and other passengers in the RV, regardless of who is at fault.
• Collision Coverage helps pay for the repair costs of your RV when you have been in a collision with other vehicles.
• Uninsured Coverage comes in handy when you get involved in an accident where the other driver lacks adequate liability insurance to cover medical expenses from injuries and repair costs to your vehicle.

If you reside in Southlake, TX, and own an RV, do not ignore recreational insurance because you are having trouble understanding the details. Contact us at Kimble Brown Insurance Agency for assistance and explanation on how you can benefit from recreational insurance.

Flood insurance is important, especially if you live in an area prone to flooding. You want to ensure you are protecting yourself from a substantial financial loss should your home flood in the future. Flood insurance helps cover the cost of replacing valuables in your home and repairing the structures. At Kimble Brown Insurance Agency, we work with homeowners throughout Southlake, TX, ensuring you are fully covered when your home floods. If you are wondering if flood insurance is worth it, here are a few benefits you can enjoy.

Protect Your Property

Even a small amount of water getting into your home can cause significant damage, requiring you to replace and repair valuable items. On top of that, most people assume their homeowner’s insurance covers floods, which is not always true. In fact, to protect your property against the risk of floods, you will need a separate flood insurance policy. With flood insurance, you can be sure if water causes damage to your home, the insurance company will compensate you for the loss.

Protect Loved Ones

A home is a safe space for your family members and pets. If floods affect your home, you are in danger of being homeless or moving to a hotel or an apartment. However, with flood insurance, you protect your loved one from such risks because you can easily recover and rebuild.

Peace of Mind

It can be hard to predict the weather. Your area can flood without warning, causing big damage to your home and belongings. When you get flood insurance, your stomach will not sink every time the weatherman says a massive storm is about to hit your town. You will have peace of mind knowing you are covered against any financial loss.

If you want to enjoy these benefits, purchase flood insurance for your Southlake, TX home. Contact us at Kimble Brown Insurance Agency, where we can help you pick the right coverage for you.

The Southlake, TX area has had a strong real estate market for the past decade. As the city and region continue to grow, investing in the community and purchasing a rental property is a great option. Those that are going to purchase a rental home that they intend to lease out should get proper insurance.  A landlord insurance plan can offer valuable protection that will make it well worth your investment. 

Protects Your Asset

A key reason to have landlord insurance when you are in this area of Texas is that it can protect your asset. Buying a rental property is a major investment and ensuring it is covered is important. When you have a full landlord insurance plan, you are going to have the protection that could be needed to repair your property. This can include coverage for damage that may be caused by your tenant. 

Liability Support

Landlords are going to take on liability risks on a regular basis. If you have a tenant that is hurt due to an issue with your property, you could be held liable and responsible for the damages. Fortunately, your landlord insurance plan can protect you in these situations. A full policy will include an appropriate liability insurance component that will give support if you are named in a liability claim. 

Having landlord insurance is clearly a good investment for any rental property owner. As you are looking to invest in a property in Southlake, TX, you should call Kimble Brown Insurance Agency to discuss all of your insurance options. Kimble Brown Insurance Agency understands the value of this coverage, and they can help you build an appropriate plan. This will ensure you stay fully protected and have peace of mind that your rental property is covered. 

We love our homes. Our homes are the safe havens that we run to when looking to escape from the chaos that’s out there. Because a home is a paradise to many, homeowners understand that protecting their home with home insurance is critical. However, unless the mortgage lender insists, many homeowners overlook a vital insurance coverage — flood insurance. 

Our country has witnessed ravaging floods in the past years. Floods cause significant property damage and even loss of lives. Unfortunately, your typical home insurance doesn’t protect your asset when floods strike. That said, you need stand-alone flood insurance coverage from Kimble Brown Insurance Agency for your Southlake, TX home. This way, you will enjoy the below benefits. 

To protect your property

It will surprise you, but an increase in water level in your home by 5 inches can cause damages to the tune of more than $25,000! To that end, flood insurance ensures that your property is repaired when damaged by floods. 

Easy and flexible

Some people avoid buying flood insurance because they assume the process is over-complicated. Purchasing flood insurance is straightforward if you partner with the right insurance agent. Not sure where to get one? Please get in touch with us. 

To protect your loved ones

Your home harbors you and your loved ones. When floods strike, what would happen to your dear ones? While you may try to avoid a homelessness scenario, without flood insurance, you would be looking for a less than perfect shelter when floods damage your home. 

Peace of mind

When you listen to weather forecasts and hear about imminent severe weather, your first thoughts are the devastating effects it can have on your home that keeps you, your loved ones, and pets safe. Fortunately, you don’t need to subdue yourself to undue stress, yet you can purchase flood insurance for peace of mind. 

Buy flood insurance from Southlake, TX today!

While you can’t predict the impact and patterns of Mother Nature, there are ways you can protect your home and loved ones. Buying flood insurance from Kimble Brown Insurance Agency can help you avoid a total loss when floods occur. Contact us today for an affordable quote.

People that live in the Southlake, TX area will find that there are a lot of great public parks and recreational areas that can be enjoyed. One of the ways that you can enjoy these parks as well as possible is by getting a recreational toy. If you are going to get a recreational toy, you also need to make sure that you have proper insurance for it. There are many common situations when having recreational insurance will be needed.

Those with a Loan Outstanding

A common reason that people will need to have recreational insurance is so you can comply with your lender’s requirement. A lot of people that purchase a recreational toy will be taking out a loan as well as they can be quite expensive to purchase. When this happens, you need to follow the lender’s insurance requirements that are set to ensure their collateral is properly covered at all times. 

Those that Want Liability Protection

If you do decide to operate a recreational toy here, you should recognize that you will be taking on some liability risk regularly. If you happen to cause an accident, you will need to pay for the damages that you cause. Fortunately, this risk can be offset by those that do invest in a recreational insurance plan. 

A recreational insurance plan for someone in the Southlake, TX area is very important to obtain. As you are going to look for a new plan here, you need to call the team at Kimble Brown Insurance Agency. There are a lot of important factors to consider and Kimble Brown Insurance Agency can give you the guidance needed to build and choose a new plan. This will ensure you and your recreational asset remain properly covered. 

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.