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’s NOT Covered by Homeowners Insurance?

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. 

3 Risks of Riding Without Florida Motorcycle Insurance

Unlike other states, you don’t need motorcycle insurance in Florida. However, this doesn’t mean you don’t need two-wheeler insurance in Florida. This coverage is pivotal in protecting you when the unthinkable occurs. Without Florida insurance from Kingdom Tree Insurance Group of Tallahassee, FL, you will expose yourself to the below risks.

Uncovered own losses

When involved in a motorcycle accident, there is a lot that can go wrong. You and your passengers can be injured, incurring significant medical bills. Also, your bike could be damaged, leading to substantial repair bills. Without motorcycle insurance, you will have to foot these bills from your pocket. Do you have enough savings to cover such losses? Plus, even if you have the savings, was the primary objective to cover accident losses?

Motorcycle insurance covers accident-related costs, protecting your finances. It covers repairs and medical costs following a bike accident.

Uncovered third-party losses

When deemed responsible for an accident, you could face property damage and bodily injury claims from third parties. Worse yet, you could be sued. Liability claims can be expensive, and financing these costs from your pocket can drain your expenses. But if you have motorcycle insurance, you don’t have to worry about third-party claims.

Risk of being bankrupt

You always hear that insurance is a safety net. Without it, you can easily slump into a financial mess. Think of it this way. You have caused a severe accident. You have sustained severe injuries in the process, and your bike is written off. As if that isn’t enough, you are at fault for the accident resulting in significant third-party losses.

Following a bike accident, lawsuits, third-party expenses, and own losses can ruin your finances. So, secure your assets and future income with motorcycle insurance.

Purchase motorcycle insurance today in Tallahassee, FL!

You don’t have to face the above consequences of failing to invest in motorcycle insurance. All you need to do is contact Kingdom Tree Insurance Group for affordable motorcycle insurance.

Do You Get Special Motorcycle Insurance Rates for Safe Driving?

Owning a motorcycle is a significant investment that requires specialized insurance coverage. At Kingdom Tree Insurance Group, we serve Tallahassee, FL, residents and can help answer an important question: do you get discounted rates if you have a safe driving record?

Some Insurers May Reward You For Safe Driving

A large number of auto insurance companies will reward you for safe driving. This fact is true for motorcycle insurance rates as well. The discounts will vary based on each provider and their insurance options, as you would expect. Some may have stricter rules than others. 

For example, some companies may provide savings after you’ve been safe for a certain number of years with no accidents. Others may only offer you discounts if you take a motorcycle safety course. Thankfully, many of these courses exist around the nation and can help you save money. 

A Safety Course May Lower Your Rates

Motorcycle safety courses provide riders with a chance to learn safer driving skills (which can minimize your accidents) and help you save money. Our sources say that some insurance companies may provide discounts as high as 10-15% for drivers finishing these courses. 

That number will vary based on your state and your provider, however. You also need to make sure that you choose an appropriate safety course. They must be provided by the Motorcycle Safety Foundation (MSF) for most insurance companies to discount your rates. 

Get the Policy Your Bike Need 

Do you need help finding a motorcycle insurance policy that makes sense for you? Please contact us at Kingdom Tree Insurance Group to learn more about your options. We serve the Tallahassee, FL, area and will provide you with the help you need to balance your policy needs properly. 

Kingdom Tree Insurance Group answers 6 FAQs about boat insurance

Having a boat is a luxury. But, not having the proper insurance can sink your fun.

In the event of damage or loss, boat insurance can be the lifeline you need. 

Whether you’re a new owner or simply wanting to protect your investment, Kingdom Tree Insurance Group is here to help. Serving Tallahassee, FL, the agency answers six questions about boat insurance.

What is boat insurance?

In short, boat insurance protects against accidents or injuries. This extends to you, your guests, and the boat itself. This coverage applies to most watercraft that has a motor.

What does boat insurance cover?

While policies vary, boat insurance likely includes bodily liability, property liability, collision, and comprehensive coverage. Additional services, like towing assistance, can be added.

Is boat insurance required?

Florida doesn’t mandate boat insurance by law. However, you may be required by a lending agent to purchase a policy if you owe money.

How much does boat insurance cost?

Several factors influence price. The type, size, and age of a boat are considered. The motor’s size is also taken into account.

Do I need year-round boat insurance?

Although it’s tempting to cancel your policy during the off-season, you aren’t entirely in the clear. Risks like fire, theft, and storms are still present. Without the proper coverage, you may be stuck paying out of pocket for these repairs.

Isn’t my boat insured under my homeowner’s policy?

This is a common misconception. While homeowners insurance may apply to certain watercraft, it’s often minimal and limited. There’s also usually a cap. Only a true boat insurance policy can offer full protection.

Contact an agent in Tallahassee, FL

Kingdom Tree Insurance can navigate which boat insurance coverage options are right for you. Using their expertise, it’s sure to be smooth sailing from here.

4 Benefits of Motorcycle Insurance

Motorcycles are a common mode of transport in Florida. Because of their small nature, they are a convenient mode of transport, especially weaving past the congested streets. Besides, bikes are friendly in your pocket in terms of gas and repairs. But as you enjoy your motorcycle, have you thought about motorcycle insurance from Kingdom Tree Insurance Group in Tallahassee, FL?

If you have not been paying much attention to motorcycle insurance, here are the benefits you accrue by investing in this coverage.

Liability protection

Accidents can happen even to the most responsible people. Unfortunately, if you are at fault for an accident, you are responsible for the arising bodily injury and property damage liabilities. Luckily, if you have motorcycle insurance, you don’t have to be burdened by third-party liabilities.

Asset protection

Whether your bike is simply for running errands or for performance, you would like to protect it against perils like theft, collisions, and so on. With this in mind, motorcycle insurance is the best protection you can have for your bike. While motorcycle insurance doesn’t prevent perils from happening, it ensures you don’t bear the financial alone when the unthinkable happens.

Medical payments

The unfortunate thing about bikes is that what looked like a minor accident can cause severe injuries for you and your passenger. For this reason, you need to invest in motorcycle insurance to take care of your medical bills whenever you are involved in an accident.

Roadside assistance

Sometimes, your bike can break down when you least expect it. Thankfully, if you have invested in a roadside assistance add-on, you get services like towing, gas delivery, and puncture repair to get you to safety.

Buy motorcycle insurance today!

Do you want peace of mind when riding your bike? If so, you need to invest in motorcycle insurance from Kingdom Tree Insurance Group in Tallahassee, FL.

Why should you get umbrella insurance in Florida?

Those that live in the Tallahassee, FL area will have different insurance needs. An important form of insurance that all people should consider getting here is umbrella insurance. This is a unique form of insurance that will provide someone with additional personal liability insurance. There are several reasons that the average person in this area of Florida should consider getting an umbrella plan. 

Coverage Mitigates Significant Claims

For most people, the most likely liability claims will involve accidents that occur at home or when on the road. These claims are typically covered by liability insurance in your home or auto insurance plans. However, your existing policies will have a limit for how much coverage you can receive. If the claim is significant enough, it could exceed the policy limit. In these cases, you will want to have the additional umbrella insurance as it gives coverage on top of the other plans.

Coverage for More Risks

You also should consider getting an umbrella plan as it will give coverage for more risks. While home and auto plans are helpful, their liability risk is somewhat limited in terms of claims covered. An umbrella insurance plan offers much broader liability support than your other insurance plans. This can help ensure you are prepared for the unexpected risks that could result in a liability claim in the future. 

Ultimately, having an umbrella insurance plan is a great way to receive peace of mind along with liability risk support. As you are assessing your needs in the Tallahassee, FL area, it would be wise to call the Kingdom Tree Insurance Group. When you do speak with the team at Kingdom Tree Insurance Group you can learn a lot about your insurance needs and options. This can help you build an umbrella insurance plan that is ideal for your situation. 

What Are the Top Benefits of Flood Insurance?

The flood threat is very high in Florida. Floodings often happen in the Sunshine State, putting many properties and homeowners in danger. Many people do not know, but standard home insurance does not cover damage caused by floodings, and special flood insurance is needed. If you are uncertain about getting flood insurance, Kingdom Tree Insurance Group serving clients in Tallahassee, FL prepared a list of the main benefits of this insurance you should know about:

Property Protection 

Your home is one of the most expensive investments in life, and therefore it needs proper protection for it. Flood insurance covers damages by the flood to the walls, roof, walls, and other permanent fixtures. 

Protection of People You Love

Your home is more than just a place where you live. It is a safe haven for you and your family members. If a flood destroys your home, your family may become homeless or will have to find a temporary place to live. If you have flood insurance, it will pay for rebuilding your home, home repairs, and even cover the costs of your temporary living. 

It Gives You Peace of Mind

The weather is very unpredictable. Floods in Florida often occur without warning and cause serious damage to homes and personal belongings kept inside. Purchasing home insurance provides you with peace of mind – you do not have to think about the cost of damages – flood insurance will cover them. 

Kingdom Tree Insurance Group  – A Reliable Insurance Agency That You Can Trust

If you own a property in Tallahassee, FL or any other nearby town, and you want to protect it against possible floods, then Kingdom Tree Insurance Group is here to help you. We help our clients get an insurance policy addressing their unique needs and requirements. If you need more information, you can visit our website or give us a call. 

What auto insurance is required in Florida?

With more than 275,000 miles of roads and more than 14.6 million licensed drivers, you’ll be sharing the highway with lots of other folks in Florida. Some areas are a lot more challenging than others, but no matter where you drive in the state, you face the same requirements as every other driver. At Kingdom Tree Insurance Group in Tallahassee, FL we are independent agents who represent many different carriers. We will work for you to find the best policy for your needs. 

The required insurance in Florida is 10/20/10. That is $10,000 in bodily injury for the first person injured in an accident you cause, with a total of $20,000 for the entire accident. The final $10,000 is for damage to property. Since Florida is a no-fault state, you are also required to have uninsured motorist insurance equal to the bodily injury coverage and $10,000 in PIP (Personal Injury Protection) to protect you. 

If you have a leased vehicle or you have an auto loan, the lender or lessor will require that you also have collision and comprehensive coverage to protect their vehicle. 

As a Florida driver, you may wonder if having just the required insurance is enough for you. If you own your vehicle outright, you don’t need to protect your vehicle, but as a person who relies on their vehicle to get to work and to do all the things that people need to do, you may want to protect your car. That means opting for collision and comprehensive coverage even if it is not required. Having to pay to replace or repair your vehicle out of your own pocket is not something that most people can handle without struggling. 

Contact Kingdom Tree Insurance Group in Tallahassee, FL when you are in need of auto insurance or have questions about requirements and coverage.

Common Types of RV Insurance

RVs are currently a very trending purchase in Tallahassee, FL and across the entire state in general. Your RV is like a house on wheels; therefore, RV insurance should offer massive protection for your expensive car. Many Tallahassee, FL residents transform RV ownership as their dwelling and a magnificent way to tour and enjoy the fascinating scenery at the convenience of a home on wheels.RV ownership exposes you to a global platform of endless breathtaking episodes. Connect with us at Kingdom Tree Insurance Group, and our dedicated agents will assist you in landing outstanding RV insurance matching your lifestyle and needs.

Common Types of RV Insurance.

Owning an RV is a dream come true for many Tallahassee, FL residents. Regrettably, incertitudes like accidents, fire, vandalism, and other imminent perils can interfere with your priced investment. It paramount to consider the following coverages.

Property damage liability:  It caters to your legal liability for an accident where there is damage to someone else’s property or vehicle up to the limit of your policy you choose. In the process, you may cause bodily injuries, which this policy will reimburse for.

Collision coverage: Your insurer pays for damage propagated by a collision with another vehicle or other stationary objects such as a fence, post, guardrail, among others. Your RV vehicle will be repaired or get replaced.

Comprehensive coverage: It covers the repair or replacement of your RV if non-collision incidences damage it. These covered calamities include falling objects, vandalism, and theft. 

Un-insured and under-insured motorist coverage: It pays for damages to your RV and injuries for you and your passengers when you get involved in an accident with another motorist with no insurance or insufficient protection. 

Medical payment coverage: It caters to reasonable and necessary medical bills such as x-rays and medication for your inflicted injuries if you are engaged in a crash with your RV.

Replacement cost or personal effects: This type of coverage protects your items like camera equipment or sporting gear inside your RV.

Do you need RV insurance for your motorhome or camp trailer in Tallahassee, FL? Please call or visit our Kingdom Tree Insurance Group and start your insurance journey with us.

What can happen if I do not carry recreational insurance in Florida?

One of the draws of living in the Tallahassee, FL area is that you have access to a wide range of recreational parks and other places to spend your time. A way to ensure you are able to enjoy living in this part of Florida is by investing in your own recreational vehicle. If you do invest in a recreational vehicle here, you should assess your insurance needs carefully. If you do not have this coverage, a few negative situations could arise. 

You Could Lose Asset

One of the drawbacks of not having recreational insurance is that you could lose the asset. A recreational asset can provide you with a lot of fun for a long time. However, if it is stolen or destroyed, you may lose out on those experiences and lose your investment. Fortunately, recreational insurance can protect against those risks. 

Face Liability Claims

Not carrying a proper recreational insurance plan could also result in you having to face liability claims on your own. There is always going to be a chance that you could cause an accident when using your recreational vehicle and you will need to cover any damages that are incurred. If you have proper insurance, you will have the support to pay these damages. If you are not insured, you will need to cover damages out of pocket. 

Those that are going to invest in a recreational vehicle and asset in Tallahassee, FL will want to have the right insurance for it. Those that are looking for a new policy in this area will always benefit by working with the Kingdom Tree Insurance Group. The team with the Kingdom Tree Insurance Group can help anyone carefully analyze and assess their insurance needs. This will ensure they choose a plan that is right for their situation.