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.