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Kingdom Tree Insurance Group

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

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The Difference between Collision and Comprehensive Motorcycle Insurance

The motorcycle insurance policy at Kingdom Tree Insurance Group in Tallahassee, FL offers diverse motorcycle coverage. Whether you are a serious rider or just a bike enthusiast, we got you covered. You can choose between collision and comprehensive insurance. You don’t know what coverage fits you best? Our experienced insurance agents are ready to simplify it for you. But first, you need to understand the difference between the two types of coverage.

Collision Insurance and What It Covers

Collision insurance covers the costs of repair after damages to your bike caused by vehicles or objects such as trees and walls. However, this policy doesn’t cover damage caused to the object or the vehicle involved in the collision. Neither does it pay your medical bills in case you or your rider gets injured during the collision.

What Comprehensive Insurance Covers?

On the other hand, comprehensive insurance covers only risks and not collisions. The types of risks include vandalism, damage from falling objects like trees, or hail. If your motorcycle is stolen, you’ll also be covered under this policy. However, damages by normal wear and tear or lack of maintenance are not included in the package. Further, it doesn’t cover the costs beyond the coverage limit; usually the bike’s cash value. In this case, it only covers the standard parts of the motorcycle as was purchased. No modifications are covered! Therefore, you’ll need to purchase an additional cover for any accessories or parts you add to your bike.

If you’re in Tallahassee, FL, be confident that your motorcycle is safe. The only thing you need to do is call our agent location and receive the support and guidance you need to choose the coverage that fits your personal needs.

Should I get a Florida boat insurance policy?

When you are a resident of the Tallahassee, FL area, being able to take advantage of the sun and warm weather is very important. When you are going to live in this area of the state, a great way to enjoy it as much as possible is by owning a boat. When you are a boat owner here, you need to get proper insurance for it. This insurance offers several forms of coverage that can make it a great option. 

Insurance Gives Liability Protection

One reason that you should get boat insurance is that it will provide you with liability protection. Even if you are a very experienced and careful boat owner, there is always going to be a chance that you could cause an accident. When this happens, you are going to have to pay for all damages that could occur. Fortunately, when you get a boat insurance policy it will include liability coverage for these situations.

Insurance Protects Assets

Another reason that you should get a boat insurance policy is that it can protect your assets. A boat owner in this area of Florida will have to invest a lot of capital to buy their boat. This can make it a very important asset that you need to protect. If you get a full boat insurance policy, it will give you coverage in the event you experience a variety of losses including theft or damage. 

When you are looking for boat insurance in the Tallahassee, FL area, it would be a good idea to call the Kingdom Tree Insurance Group. When you do call the Kingdom Tree Insurance Group you can get the support and guidance needed to choose a new policy. This will ensure your assets are properly covered and protected. 

How to tell between flood water damage and other water damage

Even if no one speaks about it, there is a massive confusion between water damage and flood damage. Many people in Tallahassee, FL, don’t understand why their home insurance policies reject flood water damage claims and flood insurance rejects water damage claims. Water is water, right? Wrong, and that’s why you have flood insurance and home insurance.

Both policies cover water-related damage, but the cause is what brings all the difference. So how do you tell the difference? Kingdom Tree Insurance Group Will help you differentiate between the two, but let’s first define both.

Flood water

Most insurance companies define flood water as water from rising and overflowing onto dry land. This water must have come as a result of rain, snow, or any other form, but from the clouds. That means pipe water or a faulty sink is not flooding.

Water damage

Water damage comes with a broader definition. It essentially covers any massive water that builds up to the extent of destroying or damaging things. Water damage can result from various issues such as an overflowing swimming pool, burst pipes, faulty sinks, or even a broken washing machine.

How to tell you to have flood damage and not water damage

If you live in a low-risk flood area around Tallahassee, FL, it might not occur to you that your home might be a victim of floods. Well, it happens, and taking precautions and preparation is vital. To determine if you have flood damage, you need first to make sure that all your taps, pipes, and other water sources are entirely safe and functioning correctly.

Next, you need to establish the source of the water. If the water entered your home from outside, then there is a likelihood that it could be floods. But sometimes it is not, because it could be your neighbor’s swimming pool. Next, determine if there have been heavy rains or better enquire about floods.  If there were rains, then you are dealing with flood damage. Call your flood insurance agency as soon as possible.

For more information about flood insurance, feel free to call us at Kingdom Tree Insurance Group, and we will be happy to help.

When can umbrella insurance protect someone?

Anyone that lives in the Tallahassee, FL area should carefully consider all of their personal liability risks. While you can offset these risks somewhat with your home and auto insurance policies, there are situations when this is not enough coverage. For those that are looking for the most coverage possible, getting an umbrella insurance policy could be a great option. An umbrella insurance policy can protect someone a number of different ways. 

When Looking for Coverage On Top of Base Policies

One situation when an umbrella policy can protect someone is when they are looking for coverage on top of their base policies. Your home and auto policies are going to contain a certain level of liability insurance. While this is usually enough to cover accidents, there is always a chance that the accident damage could exceed your policy. If this happens and you have umbrella coverage, it will give you the additional insurance protection that you need to cover damages. 

When Looking for More Expansive Coverage

Another situation when you can be protected by umbrella coverage is when you are looking for more expansive coverage. The liability insurance that you receive with your home and auto policies will be helpful but is somewhat limited. Since there are many risks and situations that are tough to predict, you will want to have additional liability coverage that covers more scenarios and risks, which comes with an umbrella policy.

As you are looking for liability umbrella coverage in the Tallahassee, FL area, it would be a good idea to reach out to Kingdom Tree Insurance Group. The team at the Kingdom Tree Insurance Group can answer any questions that you have about umbrella insurance. This will help to ensure that you receive the right coverage to meet your needs. 

How Age Affects Auto Insurance

Auto insurance is a unique monthly expense for many reasons. One of the most obvious reasons this expense is unique is because it is often required by state laws in order to operate a vehicle. It is one of the few expenses we are mandated to take on each month. Another unique thing about auto insurance is that the cost of insurance can vary greatly from person to person. We do not often see this with many of our other monthly expenses. Factors such as age can have a huge effect on your monthly auto insurance. At Kingdom Tree Insurance Group, serving Tallahassee, FL, we want to help you better understand your auto insurance so that you can make the best insurance choices. Keep reading to find out how age affects auto insurance. 

How Auto Insurance Works

Auto insurance rates are based on risk factors. Insurance companies assess risk factors by compiling data of millions of drivers across the country. This data allows the insurance companies to determine which types of drivers pose the greatest or least risks. Auto rates are then set based on consistent trends concerning age and even gender. 

How Does Age Affect Auto Insurance 

Generally speaking the younger the driver the more of a risk they pose when they are on the road. For this reason, insurance rates for young drivers are usually much higher. As a driver ages and matures, these rates will slowly start coming down. Most drivers see their lowest rates around the age of 30-40.

As drivers begin to age, however, data shows that risk factors begin to go up again. For this reason, aging drivers will begin to see their rates start to rise. 

The best way to combat this is by always keeping a great driving record. Good individual drivers can always get a great deal on their auto insurance. 

If you would like to learn more about auto insurance, please call our staff today at Kingdom Tree Insurance Group, serving Tallahassee, FL. 

Taking an RV Road Trip Should Always Start With the Right Protection

Taking a trip in an RV is becoming a preferred method of travel for many people living in and near Tallahassee, FL. At the Kingdom Tree Insurance Group, we have helped many people stay safe on their trips by protecting their RVs with recreational vehicle insurance. Here’s a quick look at three ways you can keep yourself and your family safe while traveling in an RV.

Shop for Insurance

First and foremost, you need to compare RV insurance policies. Staying protected with this type of insurance will provide peace of mind in knowing you have coverage in certain scenarios. Take for example you have a flat tire and need assistance. With the right policy, you may be able to access 24-road assistance. The best way to pinpoint the exact type of coverages you need is to speak with one of our qualified agents here at the Kingdom Tree Insurance Group.

Plan Ahead

Another way to stay safe on the road is to plan ahead. You never know what type of crisis may be going on in the places you intend to travel to, so planning where you will eat and the attractions you will visit is essential to having a safe trip.

Watch Training Courses

If you’ve never driven an RV before, you need to check to see which type of license you need to drive it. Larger RVs may require a special type of driver’s license. A great way to become acquainted with how to drive an RV is to watch online training courses.

Want to learn more about staying safe with RV insurance in Tallahassee, FL? Contact the Kingdom Tree Insurance Group today to speak with an experienced agent who is ready to meet all of your RV insurance needs.

Recreational Insurance: Here’s What You Should Consider

If you have a recreational vehicle of any kind or even several of them, you need to have the right insurance coverage. That way you’ll be prepared for anything that comes your way and can just enjoy yourself when you’re traveling for vacation, out on the water, or exploring new places and having adventures. If you’re in the Tallahassee, FL area, Kingdom Tree Insurance Group can help you find the recreational insurance you need. We’re here to help you protect the things that matter to you, and give you the knowledge you’re looking for so you can make an informed decision on the insurance policy you choose.

Before you pick a policy, consider what it has to offer. You want good coverage that thoroughly protects the recreational vehicle you have, without adding a lot of coverage you don’t need. Some homeowner’s policies cover certain types of vehicles for recreation, too, so make sure you’re not getting the coverage that overlaps what you already have. Taking to a dedicated agent is one of the best ways to be sure your coverage is what’s really needed. Your peace of mind is important, and we want to help you with that. If you’re unsure about how to properly cover any kind of recreational vehicle, we’re here and happy to answer your questions.

For anyone living in the Tallahassee, FL area, Kingdom Tree Insurance Group offers recreational insurance and other coverage options. You don’t have to guess at what policy and coverage limits would be the right choice, or worry that you might have overlooked something. Our agents are focused on helping you cover the things that matter to you, and that includes recreational vehicles that give you the opportunity to get out and have fun in the Florida sunshine, or take trips to explore new places, as well.

Do I need renters insurance in Tallahassee, FL

As the capital of Florida, Tallahassee has a very renter-friendly environment. 54 percent of the people who live here are renters. 70 percent of rentals are between $700 and $1500 which makes it an affordable place to call home. While there is no law in Florida that mandates that you carry renters insurance, some landlords may require that you have it. It will be a provision of your lease and once you sign the lease you must buy and keep renters insurance or risk eviction. Kingdom Tree Insurance Group offers renters their years of insurance experience when they have questions about coverage and the value of renters insurance.

You may assume that your landlord has your back covered when it comes to insurance. This is not the case. What landlords have covered are their building, the physical structure. If the appliances are supplied by the landlord these would also be covered on his insurance but not anything that specifically belongs to you. That means you are responsible for your furniture, electronics, and personal items like clothing and jewelry. Renters insurance will cover you for certain hazards like fire or theft. Read the fine print so that you know exactly what is and isn’t covered by your policy.

Renters insurance also provides other important coverages, liability, and loss of use. If someone is hurt while visiting your rental they can sue you which could cost you a lot of money in both legal costs and judgment against you. Loss of use coverage will help to pay for another place to stay if your rental suffers a covered hazard and is uninhabitable. 

When you are ready to discuss the benefits of renters insurance, the friendly staff at Kingdom Tree Insurance Group in Tallahassee, FL is looking forward to meeting with you. Stop by the office or give them a call for a no-obligation quote.

3 Benefits Of Motorhome Insurance

You have just purchased the motorhome that you have been dreaming of and now, you can’t wait to rock it. First of all, at Kingdom Tree Insurance Group in Tallahassee, FL, we are saying congratulations to you. A motorhome is a huge investment and it is an enviable acquisition. Being able to buy one is a big achievement.

We also have a little question to ask you. Have you insured your new acquisition? Are you still wondering why you should insure your motorhome? Well, we want you to bear in mind that it is mandatory in Florida to insure your motorhome or RV before you hit the road with it.

In addition, it is in your best interest to insure your investment and all the appliances therein. To buttress this point, we have discussed three benefits of motorhome insurance. The benefits should motivate you to purchase an insurance policy quickly.

1. It protects your RV from theft, vandalism, and accident

You know that there are many more people who love to have the machine but can’t afford one. What if one of them decides to steal yours? Or what if it gets vandalized? Also, what if you get involved in an accident? It is needless to remind you that fixing a motorhome isn’t cheap.

You don’t want to fix the machine out of pocket, especially when you are still paying for it. With motorhome insurance, you don’t have to worry about that. When the unthinkable happens, the coverage will provide funds to fix the vehicle or replace it for you.

2. It takes care of the third party

If it is established that you’re the cause of an accident, you’ll need to fix the third party’s car and foot his medical bills. Your motorhome insurance will take the responsibility off your neck.

3. It protects you from uninsured/under-insured driver

Not every motorist in Tallahassee is fully insured. Some of them are under-insured, while others are not insured at all. If any of them hits your RV, you will end up fixing your motorhome yourself. But if you have insured it, you will be reimbursed.

We would love to give you more reasons to insure your motorhome and we will also help you pick the best coverage for you. Just contact or visit us at Kingdom Tree Insurance Group in Tallahassee, FL.

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.