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Kingdom Tree Insurance Group

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

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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.

When Should You Get Flood Insurance?

While it is not something that is commonly known, flood insurance is usually not included in home owner’s insurance. Because of this, some people think that they may have this type of coverage when they don’t. It is important to know exactly what is covered by your existing policies and if you do not know whether you have flood insurance or not, you need to take a look. If you do not have the coverage, the next step is determining if you need it. To help you make that decision, ask these questions from Kingdom Tree Insurance Group, serving Miami and Tallahassee, FL, about your home.

  • Do you live in a flood zone? It is a good idea to find out what the flood risk is in your area. If you are in an area with moderate or high risk, then it is a smart idea to get some coverage.
  • Do you live in an area that is prone to hurricanes? If you live in an area that is prone to hurricanes every year, then you are likely to get some flooding as well. With hurricanes come a lot of rain and it is best to have this protection in place.
  • Does your mortgage lender require it? You should check to see if this is a requirement for your mortgage. If so, then it is a good idea to start pricing it out and get a policy so that you can ensure that you are remaining compliant with your lender’s policies. 

Now that you know if it is a good idea, it is time to start getting quotes for coverage. Contact Kingdom Tree Insurance Group, serving Miami and Tallahassee, FL, to get started today and find the right policy for your needs.

Types of Additional Automobile Insurance

When insuring your vehicle in Miami or Tallahassee, FL, you will be legally required to have certain insurance coverage. This will include property damage liability and, for people previously in crashes or who have committed certain offenses, bodily injury liability coverage. Personal injury protection is also a requirement because Florida is a no-fault state. Residents living in Florida can obtain additional insurance, these are a few of the options.

Rental Car Reimbursement 

In the event of an accident, you may need to use a rental car while your vehicle is in the shop. Rental car reimbursement coverage will help you to cover these expenses, and this will likely be included in your policy if you carry comprehensive or collision coverage. An approved provider will bill your insurance provider directly, and a car rental company that is not pre-approved must be paid upfront by you and may be reimbursed at a later time. 

Other Insurance Extras

Underinsured motorist coverage is available to pay for medical costs and property damage bills when you are involved in an accident with someone with inadequate coverage. Towing coverage can help with flat tires and mechanical problems. Roadside assistance coverage can jumpstart your car and provide other mechanical assistance. Also, full glass coverage is an important provision that will repair or replace your windshield when it is damaged or broken. 

Kingdom Tree Insurance Group Can Help You

You can speak to one of our knowledgeable insurance agents about which auto insurance packages will best suit your needs, and you can get answers to any questions you may have regarding optional types of auto insurance. Kingdom Tree Insurance Group has experience serving the people in and around Tallahassee, FL and other neighboring states such as Alabama and Georgia. We look forward to working with you. Contact us today!

Secure your property from possible hazards

The list of hazards that houses may succumb to is simply endless, and the best way to mitigate the adverse effects they may cause is by getting condo insurance coverage. In Florida, with the previous storms and hurricanes sweeping the state, it is crucial to get insurance coverage. At Kingdom Tree Insurance Group in Tallahassee, FL, we understand how important it is to keep your family safe, and that is why we are here to help you with protection against disaster.

Acts of Nature and Unpredictable Weather

Bad weather, like the previous hurricanes and storms that grazed over Florida and other cities, are also a reason to make sure you seek out condo insurance. The costs involved in setting up a house, or taking up a mortgage for a condo is not only expensive but also time-consuming. Our agents can provide more information on how a condo policy is affected by storm damage while educating you further on the policy limits.

The sense of security and well-being:

If you have a toddler or a young child, then you know how important it is to keep them safe and warm at all times. Now imagine what would happen if anything happened to your house or condo? That will not only endanger your family’s life, but it will also give you sleepless nights wondering where and how to start all over again.

It is crucial to grab a condo insurance policy because of these factors, the needs of your condo, and your geographical location. If you are in Florida or Alabama, we can provide policies to protect your interests. We encourage you to drop in by our office or drop us a line. Take control of your condo and your family.