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Kingdom Tree Insurance Group

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

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What weather events are covered with home insurance?

Weather is something that Florida residents know a lot about. While Florida is known as the sunshine state, there is a lot more to the weather across the state than just the rays of the sun. On any given day you can see two, three or even more weather events and it makes it a very interesting place to live and buy a home. When you live in a state with variable weather it is important that when purchasing home insurance you know exactly which weather events are covered by your home insurance. The experienced team at Kingdon Tree Insurance Group in Tallahassee, FL can help you to get that knowledge. 

Hurricanes-Hurricanes are a fact of life in Florida, sometimes it seems on a yearly basis.  In Florida, the law requires that insurance policies include damage caused by hurricanes. However, the deductible may be different for the hurricane damage than for the rest of the home policy. 

Tornados-Florida is also prone to have tornados touch down and cause massive amounts of damage, this damage is included in a typical home insurance policy. 

Floods-Florida has a massive coastline and is very flat making it particularly prone to flooding. Floods caused by weather events are not covered on home insurance. It is offered by the federal government through the National Flood Insurance Program. 

Hail-While hail is not a common event, it does happen and if it does, the damage is covered on a typical home policy. 

Whether you are a first-time homeowner looking for an insurance policy or you are considering changing your coverage, at Kingdom Tree Insurance Group, Tallahassee, FL we are here to help. As independent agents, we represent leading carriers in the business and we can help you to find the perfect policy for your home. Give us a call or stop by our office for a no-obligation quote. 

State Requirements for Motorcycle Insurance in Florida

Have you only recently bought a motorcycle, or have plans to in the near future? If you’re in Florida, you’ll want to know what this means in terms of minimum insurance requirements. Discuss what you should get for your motorcycle policy with an agent from Kingdom Tree Insurance Group in Tallahassee, FL today.

Differences Between Auto and Motorcycle Insurance

Personal Injury Protection (PIP) insurance laws are necessary for all drivers of cars in Florida. However, these laws don’t apply to motorcycles. Certain insurance providers offer this type of insurance in a form that is similar to auto insurance coverage. Since it’s not required for motorcycles in Florida, it isn’t regulated by state law. This means that an individual won’t have to show they have a permanent injury in order to get compensation for pain and suffering if a motorcycle is involved.

Minimum Requirements for Motorcycle Insurance in Florida

In Florida, the minimum motorcycle insurance is as follows.

  • $10,000 bodily injury liability for one person
  • $10,000 property damage liability for each crash
  • $20,000 bodily injury liability for two or more individuals

You also might want to purchase uninsured motorist coverage, as well as other types of insurance. This will cover pain and suffering, lost wages, and medical bills if you get injured from a crash. It’s beneficial when you are injured and the other driver doesn’t have bodily injury insurance or if it isn’t enough to cover expenses. Consider stacking it with the insurance coverage you have on other vehicles if it’s a possibility with your provider.

Reach out to us at Kingdom Tree Insurance Group in Tallahassee, FL with your questions about motorcycle insurance. We’ll make the process easier to set up the insurance coverage you want.

 

Reasons why boat insurance is important

Owning a boat is a dream come true; however, it is imperative to protect this dream from turning into a nightmare. Having boat insurance gives you the peace of mind needed to cherish and protect your investment. Here are several reasons why you must seriously consider getting boat insurance.

To begin with, you need boat insurance to secure a spot at the marina or inter-land waterways. Most reputable marinas ask for proof of insurance before they will grant you a spot and sign a contract with you. This is a very important issue for marinas because of liability precautions. Another reason why boat insurance is important is to prevent environmental damage. Certain boat insurance can offer you fuel spill liability and wreckage removal that otherwise will cost you a lot to do yourself. The law requires clean-up and you don’t want to be stuck in a position where you have to pay all out of your own pocket.

The obvious reason to get boat insurance is to protect yourself, your passengers, and your boat. Often, people assume fewer accidents would happen in water but that is not true. In fact, you are as likely to have an accident on the water as you are on the road. Furthermore, the cost of boat repair is far more than for a vehicle for a similar job.

The boat insurance agents at Kingdom Tree Insurance Group, serving Miami to Tallahassee, FL, are available to provide you with consultation and insurance policies that will be best suited to your needs. Not only do the agents have expertise on boat insurance, but they are also well-versed in legal rules and regulations of Florida to further guide you with the best policy for your specific situation. Contact our office in Tallahassee, FL to learn more about your options and how to get a quote.

Should You Have Year Round Motorcycle Insurance?

Winters in Tallahassee can be rainy and chilly, which could make it uncomfortable for motorcycle riding. If you’re considering storing your bike until spring, you may be wondering how to handle your motorcycle insurance coverage. Some riders retain year-round coverage, even if they don’t ride during winter. Others choose to cut back on coverage during winter to reduce premium costs. If you fall into the latter category, here are a few ideas from Kingdom Tree Insurance Group in Tallahassee, FL on motorcycle insurance protection for winter months.

Collision

If you’re storing your bike for winter, you can eliminate collision coverage to reduce premium costs. There’s no risk of crashing into another vehicle if you’re not on the road. Once you start riding your bike again in the spring, you can reinstate this coverage to protect your investment against crashes on the road.

Liability

Rather than eliminate liability coverage, you can reduce your limits to the minimum coverage required by Florida law. This saves you money on your premium while still providing some protection in case you decide to take your bike for a spin during pleasant winter weather. Motorcycle liability coverage is mandatory in Florida. If there’s any chance of using your bike during winter, maintaining minimum liability coverage is a viable option to comply with Florida law.

Comprehensive

Comprehensive coverage protects your bike against theft, fire, vandalism and damage caused by the elements. As your motorcycle is still at risk of these dangers even while in storage, we recommend that you retain your comprehensive coverage during winter. Lack of protection puts you at risk of paying for repairs or replacement of your bike on your own if it’s stolen or damaged in an unexpected disaster.

To learn more about your options for motorcycle insurance coverage in Georgia, Florida, or Alabama, call or visit Kingdom Tree Insurance Group in Tallahassee, FL.

   

Boat Ownership: Planning Your Boating Trips

As many boat owners know, planning boating trips can be part of the excitement when the process is simplified with experience or helpful tips. The planning includes packing supplies such as towels, food, and boating equipment. This may consist of items for water sports, barbecues, and supplies for meal preparations. The boat and trailer preparations are more straightforward with experience. The insurance for the boat owner is a consideration with planning, and Kingdom Tree Insurance Group is available to help you with the process. Serving the Tallahassee, FL area, our insurance agency is experienced working with boat owners. A relationship with the friendly staff at the Kingdom Tree Insurance Group can help simplify any planning steps with insurance.

Your boating trips can be enjoyable from the planning to the launch. Planning your trips is important, and most boat owners know to check their listing of items to pack for each haul. Boat usage is on the rise, and the people from Tallahassee, FL can enjoy numerous opportunities to enjoy the water. Boat owners are intelligent, and being able to experience tourism sites with a boat is fantastic.   

Tallahassee, FL is a beautiful place to enjoy boat ownership and appreciate the waterfront sites. Kingdom Tree Insurance Group offers insurance for boat owners and is experienced going through the process with those changing storage options or just purchasing a new boat. You can call our agency when you decide to buy a boat or if you are choosing to trade up to a larger make or model. Contact our agency’s staff with any questions or visit our office to discuss your new purchase.

Uncover the Basics of Umbrella Insurance

Umbrella insurance is coverage that offers you protection when your primary insurance policy limits are reached. Umbrella gives you coverage beyond that. It also prevents you from having to pay high out-of-pocket costs for injuries or accidents that you cannot afford. The Kingdom Tree Insurance Group understands the value of an accident, and in Tallahassee, FL, our agents can offer you information and get you covered with umbrella insurance.

Umbrella Liability Coverage

Bodily liability coverage will affect you if you injure someone. Hospital and medical bills can be astronomical. If you accidentally cause injury to someone, you will have to pay their cost for medical care. Umbrella insurance would kick in after the bodily liability coverage reached its limits.

Property liability insurance is for anyone who owns the property, such as home and business owners. You should consider investing in umbrella insurance because anyone that is injured on your property or as a result of your actions could file a lawsuit. You can be held responsible for your children’s actions if they damage someone else’s property. Consider the following example. Your daughter is shooting targets with a BB gun and accidentally hits a neighbors bedroom window. If the BB’s hit the side of the house, you could be responsible for the damage to the window and to repair the wall damage. This cost could exceed your insurance liability limits. If that is the case, then having umbrella insurance could cover the cost of the repairs.

Who Should Have Umbrella Insurance

Anyone who owns a business, a home, or a vehicle should have umbrella insurance. Those who are at an increased risk of a lawsuit should also have umbrella insurance that include:

  • Coaches

  • Landlords

  • Business Reviewers

  • Athletes

Kingdom Tree Insurance Group in Tallahassee, FL can help you discover how much umbrella insurance you need.

When is flood insurance required?

Owning a home in the Tallahassee, FL area can be a fun experience. Not only is it a great place to live, but it also provides plenty of opportunity for property appreciation. When you do invest in a property in Tallahassee, it is important that you understand all of the risks, such as the risk of flood. One way to mitigate this risk is by getting flood insurance. In fact, there are several situations in which having flood insurance will be required. 

When you are in a High-Risk Area

For most people, the most common reason why flood insurance will be required is if they live in a high-risk area. If you live in an area that has been designated as high risk by FEMA, your mortgage lender will be forced to require you to carry insurance if you received your loan from the FHA or a federally-insured lender. The bank will also be required to escrow for flood insurance payments monthly. 

Mortgage Lender Decision

Even if you are in a low or moderate risk area, your mortgage lender likely will still have the right to require the insurance. Most mortgage documents even give the right for the lender to require you to carry the insurance whenever they feel it is necessary. This could end up being an unexpected expense for you.

If you are in the Tallahassee, FL area, the risk of a flood occurring at any given time is real. Since you want to make sure that you and your home are properly protected by insurance, you need to make sure that you have flood coverage. To start the process of getting flood insurance, you should contact the Kingdom Tree Insurance Group. The professionals at Kingdom Tree Insurance Group will be able to review your situation to make sure that you have the right type and level of flood insurance. 

Should You Maintain Comprehensive Insurance After You Pay Off Your Vehicle?

Most people know that you must have at least insurance to be legal on the road, but do you need to carry comprehensive insurance after you pay off your vehicle? Knowing how much insurance you need versus how much you should carry to adequately protect yourself from losses is important in helping you make the right choice. 

Carrying Comprehensive insurance

Comprehensive insurance is designed to protect you from a wide variety of threats ranging from weather to theft. This type of coverage gives you a blanket of protection from everything that may happen to your vehicle to cause a loss with a few exceptions. Whether or not you choose to maintain your comprehensive once your vehicle is paid off is up to you, however, it is advised that you give yourself the protection you need to prevent costly repairs or even a complete replacement. Consult your agent about the benefits of comprehensive insurance to help you make your choice.

Working WIth An Established Insurance Agency

Comprehensive insurance is a great tool that can protect you from loss as a result of a covered claim. Get the peace of mind you need both on the open road and where you park by working with an insurance company that has skilled insurance agents who deliver personalized services to clients. Those who live near the Tallahassee, FL area should call or stop by Kingdom Tree Insurance Group to speak with an agent about their options.

Get the coverage that works for your individual situation by calling or stopping by Kingdom Tree Insurance Group today. Buying a policy is easier when you have knowledgeable agents working to meet your needs. 

Basic RV Maintenance

Kingdom Tree Insurance Group of Tallahassee, FL wants you to enjoy your RV and eek many years of fun travels out of it. You can save yourself from needing to file a claim by conducting basic RV maintenance regularly.

When you have to file a claim on your insurance, it can cause your insurance rates to rise. That makes it to your advantage to reduce the number of claims you need to file. When it comes to recreational vehicles (RVs), you can do this pretty easily. You simply conduct regular maintenance on your RV to keep it in the best shape.
These simple tips help keep your RV in its best condition. You can do these in a matter of minutes, so it takes very little time, too.

Park Under a Cover
Park under a covered area like a carport or in a covered garage. This protects your roof from environmental and sun damage. It also protects it from hail and falling tree limbs. This keeps it from incurring costly damage. Repairing or replacing an RV roof can cost thousands of dollars. If you live in your RV or travel in it constantly, you need to have your roof cleaned regularly.

Run Your Generator 
Your generator can just stop working if you let it sit for too long without using it. They aren’t cheap to replace either. While you can store gasoline for a short time, it only has a shelf life of approximately 30 days. That applies to the gas in the generator’s tank, too. It starts breaking down and causing damage to internal components past that time. Run your generator at half load for about two hours each month to prevent the carburetor from varnishing.

Check and Repair Window, Door and Roof Seals 
Cracked or misaligned seals on doors, roofs, and windows can allow moisture to seep in. Of course, some weather stripping and seals wear away from the installation area with time. The water then enters it damages surfaces and provides an environment for mold to develop. Check the seals every three months and replace any deteriorated weather stripping.

Open the Vents 
When your RV remains parked and unused in warm weather, open the vents. This allows air circulation that prevents deterioration of floors, seals, seams and wall coverings. Closed vents allow the temperature to rise to 130F.

Lubricate your Slide-Out Rails 
Lubricate the slide-out rails so they do not rust and corrode. Twice per year, apply lubricant to the RV rails.

If you’ve just purchased a new RV, come visit Kingdom Tree Insurance Group of Tallahassee, FL to learn about how to protect your investment. Call us today.

What Types of Vehicles Does Recreational Insurance Cover?

What Types of Vehicles Does Recreational Insurance Cover?

Recreational vehicle insurance does not just cover RVs. This type of insurance covers all recreational vehicle types like watercraft. This blog from Kingdom Tree Insurance Group of Tallahassee, FL explains the types of vehicles covered by recreational insurance to make it easier for you to find the coverage you need.

Recreational insurance covers a wide range of vehicle types like:

  • boats,
  • fifth-wheelers,
  • motorcycles,
  • motorhomes of three classes,
  • personal watercraft.

Ships are considered larger watercraft and those require marine insurance. A watercraft of 26-feet in length or less can carry a recreational vehicle boat policy. Insurers consider a watercraft of 27-feet in length or greater a yacht and this requires a yacht insurance policy.

Just like auto insurance, recreational vehicles have a minimum insurance requirement. Check your state’s requirements. Like your auto insurance, it pays for medical care costs and property damage for other parties in an accident you cause. It also pays for damage or total loss of your recreational vehicle.

Though it covers a multitude of vehicle types, RVs are the most common type of vehicle insured under a recreational vehicle whether it’s a Class A, Class B or Class C vehicle. From a fifth wheeler to a full-size RV, rec insurance covers it.

Recreational insurance provides the same coverage types as with auto insurance. Campers, fifth-wheels, and RVs can carry the following types of coverage:

  • bodily injury,
  • collision,
  • comprehensive,
  • limited property damage,
  • personal injury protection (PIP),
  • property damage liability,
  • property protection,
  • uninsured motorist.

Call or visit Kingdom Tree Insurance Group of Tallahassee, FL to learn more about RV insurance. We can help you obtain the insurance you need for each of your recreational vehicles.