The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


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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.