Homeowners insurance creates peace of mind for many homeowners. The benefits of this type of insurance extend well beyond the home. Our team at Kingdom Tree Insurance Group knows that Tallahassee, FL homeowners are interested in protecting their homes through this type of insurance coverage because of the extensive benefits and protection provided by homeowners insurance. 

What is Homeowners Insurance?

Homeowners insurance provides protection and coverage that extends beyond the physical home and includes everything on the property and liability coverage. In other words, not only is your home’s foundation, exterior, and interior covered under your homeowner’s insurance policy but everything on your property is also covered. The liability coverage protects homeowners from lawsuits by providing coverage for visitors who may become injured while visiting a homeowner’s property or suffer some form of property damage. Your homeowner’s insurance may even provide protection and medical coverage for your neighbor if your dog bites them. Specifically, your homeowner’s policy typically covers your home, any structures on your property, and loss of use expenses. Plus, homeowners insurance provides personal liability coverage and medical payments for others who may become injured while on your property. This form of coverage also includes financial compensation for damages if the damages are a covered peril approved by your policy. However, the coverage amount won’t exceed the maximum coverage limit outlined by your policy. 

Will homeowners insurance cover the damage to my she-shed?

Yes. Your she-shed is an additional structure on your property. Therefore, a she-shed, or any shed, is typically covered by a  homeowners’ policy. If you have questions about what a homeowners’ insurance policy covers, call us. We’d be happy to discuss the benefits and coverage. 

Although homeowners insurance creates peace of mind for many homeowners, there are areas that aren’t covered under a standard homeowners policy. Unfortunately, many homeowners aren’t aware of these areas and are often caught off-guard. When circumstances reveal that a homeowners insurance policy won’t cover a particular event, item, or situation, many homeowners are surprised. As a result, it’s important to become familiar with what’s not covered under a standard homeowners policy as well as what is covered. Our team at Kingdom Tree Insurance Group is committed to taking the confusion out of homeowners insurance by educating Tallahassee, FL residents on what is and isn’t covered. 

What is Homeowners Insurance?
In short, homeowners insurance is designed to protect your home from unforeseen situations that include interior and exterior damage and theft. This insurance provides damage protection, coverage for loss and theft, and personal liability protection for visitors who may be injured, or have their belongings damaged, while on your property.

What’s NOT Covered by Homeowners Insurance?
Homeowners’ insurance covers many things and can be beneficial in many different situations, but there are some situations in which homeowners insurance provides zero coverage. It’s best to be aware of these situations and take precautions if needed. Homeowners’ insurance won’t cover earthquakes or water damage caused by flooding. It also won’t cover damage or problems caused by negligence or wear and tear. Damage caused by nuclear hazards and war isn’t covered under a standard policy either. 

However, more often than not, you can purchase addendums to cover some of these areas. However, flood insurance will have to be purchased as a separate policy. There are other areas of a homeowners policy where minimal coverage is provided. Once again, many of these areas can be remedied by purchasing more coverage or purchasing coverage as an addendum to a standard policy. If you have questions about homeowners insurance, call our team at Kingdom Tree Insurance Group. We’d be happy to answer your questions. 

If you are a resident of the Tallahassee, FL area, a good long-term housing option would be to purchase your own home. Those that are property owners can benefit in many ways including having a place to call their own and enjoying long-term price appreciation. Along with buying a home in this area, you also need to get proper insurance. Home insurance can protect someone in Florida in a range of different ways. 

Insurance Protects Your Dwelling

The home that you buy is a major investment. If you do not have insurance and it is damaged by a bad storm, fire or even vandalism, you may lose your investment entirely. Fortunately, you can get a full insurance plan that will include coverage to repair or replace your property if damage occurs. Most of the time, your mortgage lender will also require that you maintain this coverage to ensure their loan collateral is protected.

Liability Claim Protection

A property owner in Florida is going to have some liability risk at all times. If there is a guest over to your home that gets hurt or your property somehow causes damage to another person’s property, you may be held liable. Fortunately, you are able to mitigate this risk with proper insurance protection as a home insurance plan will include a provision for liability coverage.

If you would like to buy a home and you are in Tallahassee, FL getting the right insurance is very important. As you are looking for a new policy, it would be a good idea to call the Kingdom Tree Insurance Group. The insurance team with the Kingdom Tree Insurance Group understands the importance of this protection and can help you build a plan that meets your needs to ensure your home is covered appropriately. 

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. 

At Kingdom Tree Insurance Group, serving the greater Tallahassee, FL area, we see people who have failed to look at their home insurance policy in years or even decades. There are many important reasons to take a look at your policy routinely. You want to ensure your coverage level is still adequate, to ensure you have enough coverage in the event the unexpected happens. Here are a few reasons why you should take a fresh look at your home insurance policy. 

Every Two to Three Years

It is recommended that you take a look at your policy every few years. Your policy should take into account how much it would cost to replace your home and the items stored inside in a catastrophic event. Values are constantly changing, which is why it is so important you look over your policy routinely. 

When You Complete Home Renovations 

Another time you should take a fresh look at your home insurance policy is after completing home renovations. Home insurance will pay for repairs needed to your home after a fire, certain types of floods or other damages. After renovating, it may cost more to make repairs to your home, so you want to ensure you have the right coverage levels in place. 

After Making Expensive Home Purchases

Finally, be sure to take a fresh look at your home insurance policy after making expensive home purchases, such as new furniture, artwork or new electronics. You want to make sure you have enough coverage to cover these newer, more costly items. 

Is your home insurance policy no longer providing you with the coverage you need? Here at Kingdom Tree Insurance Group, serving the greater Tallahassee, FL area, we can help you find the right policy with the correct coverage levels for you. Call us now to get started. 

Thanks to technology, more people than ever are working out of their homes. Here at Kingdom Tree Insurance Group, providing insurance services in the greater Tallahassee, FL area, we are often asked what impact this has on homeowner’s insurance. If you have a home business, here is what you need to know about how the business can affect your homeowner’s insurance. 

Does a Home Business Affect Your Homeowner’s Insurance?

A home business can affect your homeowner’s insurance policy. Some policies will ask you if you have a home business. If you do, and you check yes, the policy may cover your home business items, including your computer equipment, home office, and any products that you store in your home. Other policies will specifically exclude anything to do with a home business from being covered. You have to carefully read through the policy and the exclusions to learn whether your coverage excludes home business coverage. 

If your home business is covered under your homeowner’s insurance, the next thing you will want to do is ensure you have the correct coverage level. You need to ensure that your coverage level is high enough to cover any items that may be damaged or stolen. Many people often fail to increase their home insurance coverage level when they decide to run a business from their home. This can financially harm you if your policy level is not high enough to cover everything. 

If you have a home business, it is crucial that you ensure that your homeowner’s insurance covers the business and provides the level of coverage to adequately protect any items you may have stored inside of the home. If you are in the market for a new homeowner’s insurance policy in the greater Tallahassee, FL area, let us at Kingdom Tree Insurance Group help you. Contact us today to get started. 

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!