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. 

The agents at Kimble Brown Insurance Agency serve homeowners and landlords who live in the Trophy Club and Southlake, TX area. Individuals who own rental properties or sometimes rent out their own property on occasion are considered landlords, even if it’s only for a short period of time. Any time you rent property to someone, you should consider having renters insurance in place to protect yourself and your property.

Different Types of Landlord Insurance

There are three types of rental insurance. D-1 is a very basic policy and only covers the bare minimum. D-2 covers more of the most common problems as well as a few of the lesser reported issues. D-3 offers the most extensive coverage and includes a few special provisions. 

Different Types of Home Qualify

Almost any type of rental property will qualify you as a landlord. This includes short-term rentals, storage units, garages, homes, cottages, and apartments. If you are unsure if your property can be covered as a rental, speak to an insurance agent.

Do You Need Liability Coverage?

Anytime you own property, you need to have some sort of liability insurance in place to protect you if someone is injured while visiting your rental. This is an essential part of any landlord policy and shouldn’t be overlooked. 

In Southlake, TX, the agents of Kimble Brown Insurance Agency offer landlord policies for property owners who are considering renting out their properties. They have the answers to all of your important landlord/tenant questions that involve insurance and liability. By scheduling an appointment with an agent, you can discuss all of your options and help you make the best decision for your individual situation. Contact our office to get started with a quote.

In most cases, we have a little time to prepare when we know the possibility of a flood exists. There are times, however, when things happen so quickly that we don’t have time to take any action whatsoever. At the Kimble Brown Insurance Agency, each of our agents can assist residents living in Dallas and Southlake, TX with formulating a plan to help get them through the aftermath of a flood.

Document as Much of the Damage as Possible

If you are still in your home, start to document the damage as soon as it happens. Write down everything you see. If at all possible, use a video recorder or take as many pictures as possible. Actual pictures will allow the insurance adjusters to see the damage at its worst, as well as what the aftermath looks like.

Contact Your Insurance Agent Immediately

It’s also important for you to contact your insurance agent as soon as you can. Once they have seen the damage and filed their report, you can begin the cleanup process and work toward getting back into your home. This type of cleanup takes time and must be properly performed to ensure that black mold doesn’t take over your home.

In Dallas and Southlake, TX, residents who live in flood-prone areas can call the reputable agents of Kimble Brown Insurance Agency if they are interested in learning more about what to do if a flood damages their home. Contact our office at your earliest convenience to find out what steps you need to take. We have all of the answers to your most pressing questions.

If you have any recreational vehicles, including ATVs, jet skis, golf carts, snowmobiles, dirt bikes, or travel trailers, you should consider purchasing recreational vehicle insurance. This type of insurance helps to cover your vehicle if you are involved in an accident, if it is stolen, or if it damaged by the weather, depending on what types of insurance coverage you opt for. Here at Kimble Brown Insurance Agency, serving the greater Southlake, TX. area, we are often asked if recreational vehicle insurance covers medical expenses or just the vehicle itself. Here is the information you need to know. 

Just like with car insurance, there are different coverage types that you can select from when you are looking for a new recreational insurance policy for your vehicles. Some of the insurance options that may be available include collision, liability, comprehensive, uninsured motorist, and medical coverage or medical payments. Always carefully review a recreational vehicle insurance policy before purchasing it to ensure it has the specific types of coverage options that you may need, based on the age of your vehicle, where it is used, and how much protection you want while using or not using the recreational item. 

Do you have one or more recreational vehicles that are not currently insured, or are you looking for a new policy to insure your recreational vehicles in the greater Southlake, TX. area? Contact us at Kimble Brown Insurance Agency today. We can help you determine the right insurance plan for your recreational vehicles and provide you with a quote. Call now to get started. 

Most of us would agree that we can’t predict the future. The unexpected is always to be expected. This rings true for floods as well. Sometimes mother nature or life can create situations that destroy or damage our belongings and change our lives. In cases like this, it helps to have a little peace of mind. That peace of mind often comes in the form of flood insurance. Flood insurance may not take away the damage or the loss, but it can help you to rebuild your life and replace your belongings. However, as with anything, you need to know the ins and outs of how flood insurance works and what it does and doesn’t cover.

What Is Flood Insurance?

Flood insurance is a separate insurance policy purchased to cover lost or damaged property destroyed by a disaster involving water. This could include burst pipes and natural hazards, although some natural hazards aren’t covered under flood insurance. Typically, homeowners’ insurance will not cover flood damage. This is why most homeowners purchase flood insurance separately if they live in a flood zone. Flood insurance is a federally regulated plan issued by the National Flood Insurance Program (NFIP). Still, you need to make sure that your area participates in the program before you decide to purchase this insurance. Kimble Brown Insurance Agency in Southlake, TX can help you understand what flood insurance does and how it can help protect your home and personal items.

What Does Flood Insurance Cover?

In short, flood insurance covers both your home and your property. This includes the cost of rebuilding your home and replacing personal belongings that were lost or destroyed as a result of the flood. This insurance will even replace food that was lost as a result of flooding. Typically, flood insurance covers the actual cost of repairing your home or replacing it at its valued appraisal. Flood insurance usually covers the least costly option. However, you will be reimbursed for your personal property based on its actual value regardless of what you paid for it.

What Is NOT Covered by Flood Insurance?

Unfortunately, flood insurance won’t cover everything that was lost or damaged as a result of flooding. For example, it won’t include money or jewelry in addition to a variety of other things. Make sure to familiarize yourself with what is and isn’t covered. This insurance won’t replace your lost income either, and typically, basements have limited coverage.

Residents in the Southlake, TX area should contact the Kimble Brown Insurance Agency to discuss their flood insurance options. Our agents are happy to answer all of your questions. Give the Kimble Brown Insurance Agency a call. 

Homeowners should be aware of the fact that flood insurance is a totally separate kind of policy from their homeowner’s insurance and damage caused by flooding will not be covered without a separate policy for floods. Because Southlake, TX is like many other parts of the state that border the Gulf of Mexico, flooding due to hurricanes, severe rain, and other weather-related disasters are always a concern. Kimble Brown Insurance Agency serves this locality and they can give answers about your flood insurance policy or other related questions. 

The reasoning behind separating flood insurance policies from the general coverage for a home is mainly divided into two parts. First, flooding is a specific risk for homes in certain areas. Houses which are landlocked and have no large bodies of water nearby present little to no risk of floods. This is why it would be pointless to include this kind of coverage into the policies of large amounts of people who do not need it.

Second, flood damage is usually very widespread and destructive when it happens. This results in much greater costs to an insurance company than isolated incidents which are covered under most policies. The total damage caused by a flood may devastate entire towns or regions, which can be extremely expensive and requires its own separate pool of financial resources to fix the disaster. This is why it is best for homeowners and insurance companies in these areas to pay into the costs in advance, while not including the additional expense in a regular policy for areas that will remain unaffected due to their location.  

To get more information about flood insurance in Southlake, TX, contact Kimble Brown Insurance Agency.  

You’re cruising down the highway, enjoying the sunshine while driving your RV, and crash- you get into an accident. While no one wants to get into an RV accident, it happens! That’s what RV insurance is for. In the unfortunate event that you get into an RV accident, follow these steps to make filing your insurance claim a calm and easy process. 

– Take pictures of the damage. This is easier than ever with a smartphone. Snap pictures of your vehicle, taking both close-up shots and shots that include the full body of the vehicle. When it doubt, take more. It’s better to have more pictures than you need than not enough when it comes to filing your insurance claim. 

– Exchange insurance info with the other driver. More often than not, you’ll be meeting a stranger when you talk with the other driver involved in the accident. It’s important that you exchange insurance information, even if they tell you they’d like to settle the damages privately. Exchanging insurance information doesn’t mean that you’ll have to file a report, but it does mean that you have recourse if they fail to hold up their end of the bargain. 

– File a police report. Even if no one is hurt and the damages are minimal, it’s important that you call the police and file an accident report. This is proof that the accident happened, and provides you with witnesses in the event that you would need to go to court. 

Of course, it’s important to have a solid RV insurance policy with an agency you trust. At Kimble Brown Insurance Agency, Serving Southlake, TX, we’re here to help you get the coverage that you need. Call us for a quote today!

Recreational insurance can be very helpful even in situations where it is not required by law in Southlake, TX. It is good to get a basic overview of this kind of coverage and some common reasons why it is a good investment, then speak with someone from Kimble Brown Insurance Agency. 

What is recreational insurance?

This is coverage meant for vehicles such as motor homes and trailers that may not be used regularly. Insurance is usually not required on these by law, but it can be beneficial to protect an investment that costs thousands of dollars in case it is damaged on the road or by other events such as severe weather. Some banks may also require insurance on these vehicles if they are financed. 

Who will benefit the most?

While it is up to each individual owner to decide whether they want insurance on their recreational vehicles or not, there are a few common factors that usually affect this decision. Vehicles that are very expensive are worth covering. A large investment should be protected with a small payment for coverage rather than having to spend thousands on repairs or experience a total loss when disaster strikes. People who use their recreational vehicles consistently are also more likely to have to deal with damage from accidents and use, and insurance can also help pay for any incidents that occur. 

Additional Benefits

Based on your personal situation, there may be many more reasons to get recreational insurance, but you must have a conversation with an agent from Kimble Brown Insurance Agency to find out. Agents in who serve the Southlake, TX area are available to have a more detailed discussion about your recreational vehicles and the ways that coverage can help you.