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Kingdom Tree Insurance Group

113 South Monroe Street,
1st Floor,
Tallahassee, FL 32301

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How to Insure More than One Vehicle

For those families and individuals that have more than one vehicle, here are some considerations for auto insurance.

The kind folks at Kingdom Tree Insurance Group, serving Tallahassee, FL and the nearby areas, recommend that you get started by making a spreadsheet of all the information about the vehicles.

Here is the information needed for each vehicle:

  • Vehicle Identification Number (VIN): Each car has its own VIN. It will be listed on a metal plate that is usually located under the door, in the driver’s door-opening area, or on the driver side where the windshield meets the dashboard. Check your vehicle owner’s manual to find the exact location. If you do not have a manual, you can call the dealership or go online to find where the VIN is located for your vehicle’s make and model.
  • Make, Model, Year: The make of the vehicle is the name of the manufacturer (such as Ford), the model is the brand name of the vehicle (such as Ranger), and the year is the issue year of the model.
  • Mileage: Note the mileage shown on the odometer located on the dashboard.
  • Lienholder: If there is a loan on the vehicle, this is the name of the lender along with the contact information for them that includes the mailing address, telephone number, and email address (if available).
  • Specifics of the Vehicle: How and where is it stored? Does it have any anti-theft device or car alarm? How many miles per year is it usually driven? Is it used for a daily commute?
  • Information about the Drivers: Name, DOB, age, and driver’s license of all drivers.

It is usually a better idea to insure all the vehicles using the same underwriter. If a vehicle is especially valuable, it may be a better idea to restrict the drivers in the family to the older, more mature persons. Any teen drivers will usually cause rates to be higher.

Bring all the information and make an appointment to get a quote from an agent at Kingdom Tree Insurance Group in Tallahassee, FL or submit the information online if that is more convenient.

3 Reasons to Buy Condo Insurance in Tallahassee, FL

Condos are a wonderful place to call home in Tallahassee, FL. Typically, condo communities come with a variety of perks, such as a community pool and fitness center, playgrounds, recreational centers, and more. No question that living in a condo is a popular choice, and that’s why it is important to protect your condo with condo insurance.  Read on to learn about three reasons why you should have condo insurance in Tallahassee, FL.

1.  Condo Insurance is Required by Your Lender

Just like a mortgage for a single family home, a condo mortgage is required by law to have condo insurance, otherwise, the bank will not lend you money to purchase a condo. The bank requires condo insurance to protect the asset on lien – your condo, in the event the asset is compromised.  

2. Condo Insurance Covers Theft

If your condo is broken into by thieves who make off with your belongings, your condo insurance will help recoup the cost of the stolen items after you have paid the agreed upon deductible stated in your policy. It’s important to have a list of the items stolen along with their value to present to your insurance company for a claim.  

3. Peace of Mind

Knowing that your condo is protected with condo insurance will give you the peace of mind you need to enjoy this valuable asset that you call home.  

To learn more about buying condo insurance, contact the Kingdom Tree Insurance Group at 855-750-9942. The friendly insurance agents at Kingdom Tree Insurance Group will answer all of your questions about condo insurance and help you find the best policy for your needs and budget. Call today!

What Does Basic Home Insurance Cover?

We’re always excited to see new homeowners from the gorgeous capital city of Tallahassee, FL! Since we began serving this area, Kingdom Tree Insurance Group often receives questions about basic home insurance coverage. We hope that this small guide will help all homeowners, new and old, understand what home insurance does and why it’s so important!

What is basic home insurance?

Basic home insurance gets its name from the "perils" typically listed as the most common threats to your home. These common or "basic" hazards are naturally the ones you would want to be insured against! That’s why a basic home insurance policy typically covers a wide range of events. There are three types of basic insurance called HO-1, HO-2, and HO-3. Most homeowners have an HO-3 type of policy, which offers the broadest range of basic perils to be insured against.

What does a basic home insurance policy cover?

When you purchase an HO-3 form policy, you will typically be insured for 16 types of threats against your home and property. Some examples of these "named perils" include:

  • Fire, lightning, smoke, wind, and hail damage
  • Vandalism, theft, civil commotion or rioting damage
  • Vehicular or aircraft damage
  • Falling objects
  • Electrical current damages in appliances or household wiring

Many other perils may not be specifically listed on your policy that you will be covered for too! Most common hazards, unless specifically excluded by your homeowner’s policy, are usually covered. (This includes events such as volcano eruptions, something our friends in Tallahassee, FL thankfully don’t have to worry about much!)

Kingdom Tree Insurance Group understands that selecting home insurance can sometimes be confusing and stressful. That’s why we encourage you to bring us all of your insurance questions, big and small. Let’s work together to find the best policy to protect you and your home!

Keep The Fun Rolling with Recreational Insurance

In past years whenever people mentioned sports, they usually meant team sports like football or baseball. These days, a sport can be a uniquely challenging and soul expanding endeavor that carries an enthusiast across the nation or even around the world. Whether you fly high or go spelunking down deep, you need insurance coverage that will have your back in case of an accident. Consult with our agents at Kingdom Tree Insurance Group, serving the communities around Tallahassee, FL, for the latest insurance policies offered by dependable insurance coverage providers.

Finding a Recreational Insurance Policy for your Lifestyle

Around Tallahassee, FL, the great outdoors beckons with hiking, camping, fishing, hang gliding, parasailing, diving, kayaking, and of course football and baseball which all attract enthusiasts from around the world. Your sports interests and its related equipment is an essential investment in your outdoor life, so take care of it with the coverage you can depend on. Certainly the unfortunate can happen, so be sure to carry reliable insurance that will help you get back into your game as soon as possible. When you visit us, we’ll ask you questions about your interests and inform you of the legal requirements that Florida has established so that you know what your choices are and how you can have adequate coverage. 

It could take weeks of phone calls and multiple visits to insurance websites to find the coverage you need for your specific recreational activities. It can take an hour of your time with knowledgeable agents who can find what you need and get you signed up right away. With our access to all the latest policies, we can get you back onto the water or into the air before you know it. See us at Kingdom Tree Insurance Group in Tallahassee, FL today.

Why Should I Invest in Renters Insurance?

When you are looking to move into a new rental home, there are many important decisions that you will have to make. While many renters spend time thinking about furniture, property amenities, and other fun things about renting, they also need to consider their insurance needs. There are several reasons why you should consider investing in a full renters insurance policy when renting an apartment in the Tallahassee, FL area.

Covers Your Belongings

When moving into a new apartment, you will likely spend thousands of dollars on furniture, kitchenware, and other personal items. If there happens to be a fire or other incident that destroys all of your personal items, a renters insurance policy will provide you with coverage for these items. However, if you do not have any coverage in place, you could miss out on all of the coverage needed to replace these items.

Liability Protection

Once you start renting a new apartment, you also need to consider your liability risk. If you rent a property, you will be taking on a lot of risks and responsibilities whenever you have someone come into your new home. Since you are taking on some risk every time you have someone over, it would be beneficial to have liability coverage to provide you with peace of mind.

If you are still wondering if you should get a renters insurance policy, you should contact the Kingdom Tree Insurance Group to discuss your insurance needs. The Kingdom Tree Insurance Group can help a Tallahassee, FL area renter better understand all of the advantages of having a renters insurance policy in place. Reach out to our office to learn more and get started on a policy.

Should You Purchase Motorhome Insurance?

Whether you currently own a motorhome or you are looking to purchase a motorhome in Tallahassee, FL, you should also explore getting some motorhome insurance to cover it. If you are on the fence about whether you should purchase it or not, continue reading to see why we at Kingdom Tree Insurance Group think that you should always have it. 

  • If you are driving it, you need coverage. In order to legally drive it on the roads, you need to have the minimum coverage as outlined by the state laws. Make sure you at least have this minimum coverage. 
  • You want to protect it from damage. A motorhome is not inexpensive, so you also want to make sure it is protected just like any other big investment. The fact is that damage happens and the last thing you want to do is have to pay for that out of pocket. Not only do you want protection for the motorhome but also anything that you have inside that is valuable. 
  • You want to protect it when you are not in it, even if you aren’t driving it. You cannot control what others do, and if someone decides to steal it or take it for a ride without you knowing it, you want to have that protection and help to find it or replace it. 

Now that you know all of the reasons why you should get motorhome insurance, it is time to purchase it. Be sure to contact us here at Kingdom Tree Insurance Group, serving the state from Miami to the Tallahassee, FL area, to get started today. We will help you find the perfect policy that meets your needs and fits within your budget. Contact us for a quote!

RV Insurance Coverage Options

Do you own an RV? Do you spend most of your time traveling and living in your RV? If you do, your recreational vehicle requires specialized insurance coverage to give you the required protection as you travel. It becomes easier to enjoy the journey and adventures when you aren’t worried about the safety of your loved ones, your investment, and your belongings. A local insurer in Tallahassee, FL, like Kingdom Tree Insurance Group, can provide strong RV insurance policies that you can trust.

Basic RV coverage

RV insurance policies are categorized in different plans. The main ones include:

Bodily injury liability – If you are involved in an accident when using your RV, and someone gets injured, this plan will help pay for the medical bills including the loss of income.

Collision – No matter who is at fault, this coverage pays for any damage to your motorhome or RV after an accident with another auto. The policy also covers RV rollovers. In case you lease or finance your RV, collision coverage is required.

Property damage liability – This coverage assists you to make payments for damages to another individual’s property or vehicle when you cause an accident.

Comprehensive – This plan helps you pay for the non-collision damages to the RV such as falling objects, theft, vandalism, storms, floods, fire, as well as other natural disasters.

Uninsured motorist – This RV policy will protect you against vehicle owners or drivers who do not have liability coverage or lack the funds to pay for the damages and injuries they cause you, your RV, or your passengers. The plan can also offer protection from hit-and-run accidents. Remember that each state has its uninsured motorist laws.

Underinsured motorist –an RV underinsured plan protects you against drivers who are not insured.

Medical payments –regardless of who is at fault, medical payments have to be paid when one is injured in an accident. This plan will cover your medical bills including those of your passengers in case you are involved in an accident when using your RV.

Kingdom Tree Insurance Group is based in Tallahassee, FL and can insure your RV in Florida, Alabama, and Georgia. Talk to us today for more information.

 

Five Things You Might Not Have Known About Motorcycle Insurance

Staying informed is important. Kingdom Tree Insurance Group wants to secure your motorcycle’s longevity by informing you of the ins and outs of a policy. More importantly, we feel you should read a few lesser-known aspects of coverage.

Tallahassee, FL is great for perusing. Whether you’re a weekend traveler or a consistent rider, getting the most out of your coverage matters. Check out these five motorcycle insurance tips.

Tip One: You Might Need Extra Coverage

While your average insurance policy will cover your bike and injured parties, you might have a few “gaps.” Hitting a stationary object, or even an animal, can lead to pricey payments. Thus, you should pick up some supplemental insurance. You might save money by riding a bike, but your wallet will still be lighter if you’re not careful.

Tip Two: You Can Get Discounts

You shouldn’t opt for cheap coverage off the bat. You might be a responsible rider, but everyone else isn’t. Fortunately, your carrier offers bundle options. You can even get discounts by pairing your motorcycle coverage with an automobile, home, or even life insurance.

Tip Three: You Can Insure Almost Any Motorcycle

Isn’t this cool? Kingdom Tree Insurance Group supports coverage for a majority of bikes you’ll see on the road. Whether you’re riding a sports bike or an antique, you’ll likely be able to find coverage.

Tip Four: Motorcycle Insurance Can Cover Protective Gear

Once your vehicle has been covered, look into protective gear coverage. You can get items like riding leathers, helmets, and gloves insured. If something happens to your gear, you won’t need to cough up massive payments.

Tip Five: Being a Homeowner May Get You a Discount

Depending on your living location, you can save money by simply owning a house! Tallahassee, FL has a lot of great living locations, too.

Life is full of twists and turns, but this doesn’t mean you should lack coverage. Talk to your provider today, and secure the best motorcycle insurance policy available.

Should You Keep Boat Insurance in the Winter?

Owning a boat in Florida, especially if you live close to the water, is almost a necessity. Along with owning a boat, it is also important to have boat insurance. While some people think that you should only keep your boat insurance active during the warmer months, here at Kingdom Tree Insurance Group, serving Tallahassee, FL, we know that it is important to keep this type of insurance active even during the winter. 

Reasons to Keep Your Boat Insurance Active in the Winter

  • You don’t know who may be taking it for a joy ride – Even if you lock your boat up during the winter, you cannot control what anyone does when you are not looking. Someone may break in and try to take it for a ride without you knowing. Not only does this pose a risk in case someone steals it but also in case they are injured in the process. Even if you do not know, you can be held liable for their damages and injuries. 
  • You want coverage in case there is damage or it is stolen – You also cannot control any potential damage to the boat. If there is damage during the off-season and you do not have coverage, or if it is stolen, you will have to pay for it out of your own pocket. 

If you own a boat in Tallahassee, FL, it is a great idea to keep the insurance on it all year long. If you do not have boat insurance or you need to get a new policy because you canceled it in the winter, be sure to contact Kingdom Tree Insurance Group today. We can help you find the right policy as well as make sure that it fits within your budget. 

What Umbrella Insurance Won’t Cover

When taking out an umbrella insurance policy in Tallahassee, FL or the surrounding areas, you might find that there are certain things that a standard insurance plan will, more often than not, fail to cover.

That said, an umbrella policy is an excellent solution for home, auto, and liability coverage, offering extended protection to supplement your primary policies. But certain things can’t be protected by a standard umbrella policy from Kingdom Tree Insurance Group, or anyone else for that matter unless they specialize in that specific type of insurance.

What it doesn’t cover

For instance, most "exotic" vehicles won’t be covered. Things like golf carts, fishing boats, and snowmobiles are usually protected, but not airplanes, jet skis, hand-made Italian autos, and items of that nature.

Umbrella insurance generally will not cover anything that the owner expects to suffer damages as par for course. So if you weld a bunch of sheet metal to your old Chevy and take it to a demolition derby, you can’t expect your insurer to compensate you for the damages.

Every umbrella policy is different. If you can get an insurer to sign off on something, then you can get it protected. But there are certain areas where you’ll need to invest in specific policies. If you want to drive a custom-built luxury car to work, then the added insurance costs are part of the deal.

That being said, for about 90% of us, an umbrella plan from Kingdom Tree Insurance Group in Tallahassee, FL will cover about everything we want to be covered. It’s a smart way to get everything protected without having to shell out for additional coverage on each policy that you hold. Talk with our agents to learn how to get started.