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

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. 

Can you add roadside assistance to a motorcycle policy?

Kingdom Tree Insurance Group offers Tallahassee, FL residents the motorcycle coverage they need to ride legally on Florida roads and protect their finances by paying for bike damage. Today, we’d like to address an essential add-on to your bike coverage that can help you stay safer and enjoy your road trips more – roadside assistance.

Roadside Assistance for Motorcycles

When you add roadside assistance to your bike policy, you do more than protect yourself when you ride your own bike. Your roadside assistance coverage applies when you ride a borrowed or rented bike, plus when you’re a passenger on someone else’s motorcycle.

This insurance add-on offers a bevy of protections, including:

  • Emergency fuel delivery if you run out of gas nowhere near a gas station,
  • Towing service if your bike breaks down or you have an accident,
  • Flat tire service to get you on your way again,
  • Battery service if your bike’s battery needs a jump start,
  • Lockout service to get your motorcycle started if you lose your keys.

You can add roadside assistance coverage to any motorcycle policy. You don’t have to carry full coverage to add it.

Contact Us for More Information

Whether you just bought your first bike or you’ve ridden for decades, Tallahassee, FL’s Kingdom Tree Insurance Group can help you build the bike policy that best protects your ride and your liability to others while on the road. Contact us for a policy review while adding roadside assistance to your insurance. We’ll help you build a policy that ensures you can replace your bike if it incurred severe damage, plus help you add coverage that keeps you safer while riding Florida roads.

Best places to boat in Tallahassee

If you’re looking for great places to boat in Tallahassee, you have plenty of options. Depending on what you’re looking for, different waterways can provide a more enjoyable experience.

If you want a peaceful day out on the water, Lake Jackson and Wakulla Springs are perfect. They offer a great escape from the city with plenty of shady spots to relax and beautiful scenery all around.

Lake Jackson is a beautiful spot for boating in Tallahassee, FL. With plenty of places to dock and plenty of shade, it’s perfect for a day out on the water. The scenery is beautiful, and the lake is peaceful, making it a great place to relax and escape from the city.

Wakulla Springs is another great spot for boating in Tallahassee. With crystal-clear waters and plenty of places to dock, it’s a popular spot for swimming and fishing. The scenery is beautiful, and the springs are refreshing, making it a great spot to spend a day out on the water.

For those who are after a more exciting day out, the St. Marks River and Ochlockonee River are also great options. If going out on the ocean, check tide schedules before heading out and be aware of potential hazards such as sandbars and fallen trees. And remember, when out on a boat, you should always wear a life jacket and have fun!

If you have questions about where to boat in Tallahassee or how to stay safe, give the Kingdom Tree Insurance Group a call today. We love boats and would be glad to answer all of your questions. 

How Umbrella Insurance Gives Your Home an Extra Layer of Protection

Home insurance is essential, but it may not cover everything. That’s where umbrella insurance comes in. Umbrella insurance is designed to give your home an extra layer of protection by providing coverage for lawsuits, property damage, and more. It’s a great way to have peace of mind and can be affordable for homeowners. Kingdom Tree Insurance Group of Tallahassee, FL is here to help you understand a bit more about the benefits of umbrella insurance for your home.

What Is Umbrella Insurance?

Umbrella insurance is an insurance policy that provides additional coverage on top of a person’s insurance. It is designed to protect the policyholder from significant financial losses resulting from a lawsuit or other unforeseen event. Umbrella insurance can be used to cover the costs of legal fees, damages, and other expenses that a standard insurance policy may not cover.

How Much Umbrella Insurance Do You Need?

When it comes to umbrella insurance, there’s no one-size-fits-all answer. The amount of coverage you need depends on various factors, including the value of your assets, the amount of liability coverage you already have, and your risk exposure. A professional insurance agent can help you assess your needs and find the right amount of coverage for your situation.

Kingdom Tree Insurance Group in Tallahassee, FL offers umbrella insurance to our customers. We are committed to providing our customers with personalized coverage. Whether you’re looking for protection from liability, property damage, or even identity theft, we have a policy that’s right for you. Contact us today to learn more about our umbrella insurance options.

Three ways you might be able to reduce your flood insurance costs

If you’re looking for ways to bring down your flood insurance costs, you can do a couple of things. Kingdom Tree Insurance Group offers flood insurance to homeowners living in Tallahassee, FL.

The following are three things you can do to save money on your flood insurance costs while also ensuring you have adequate property coverage. 

Invest in flood-proofing

A flood insurance provider will typically charge you less on flood insurance when your property is protected from flood damage.

A waterproofing system that holds flood waters back could qualify you for lower premiums from your insurance provider. You might also be offered lower premiums if you install flood venting on your home. 

Opt for a flood insurance policy with a higher deductible

One effective way to enjoy lower premiums on any insurance policy is to increase your deductible. 

While a higher deductible means that filing a claim will be more expensive, higher deductibles tend to bring premium amounts down. 

If you have enough money to afford a higher deductible out of pocket, a higher deductible could be a good solution when saving on flood insurance. 

Compare quotes among different flood insurance providers

Of course, shopping around and getting quotes from a few different insurance companies is always important. This way, you can choose the most cost-effective flood insurance option available in your area. 

Do you have questions about meeting your flood insurance needs in Tallahassee, FL? We at Kingdom Tree Insurance Group will be happy to assist you with getting flood insurance on your property.

Get in touch with us today to learn about our insurance policy offerings and to get a quote on a flood insurance policy!

Required Auto Insurance in Florida

When you have a vehicle in Florida, you must have specific auto insurance coverage. Several different types of coverage are required to be in these policies, and there are other coverage types that are smart to add to your policy. In this state, you must have certain minimum amounts of each type of coverage required. You also have to have proof of insurance in your vehicle. Florida is referred to as a no-fault state. This means that your insurance policy will pay for any injuries you have until it reaches its limit, no matter who was responsible for the accident. If you are in Tallahassee, FL, give us a call at Kingdom Tree Insurance Group to get your auto insurance. 

Minimum Car Insurance Requirements

To stay legal, your auto insurance must have specific amounts of coverage for bodily injury. This includes one amount for one person injured in your accident and another amount required for all of the parties who become injured. There is also another amount required for personal injury protection. Another required amount is for property damage liability. All of these required amounts are very low when compared to what is required by other states. They may not be enough to pay for a severe accident. It’s a good idea to add to the necessary coverage so that you are better protected against severe and expensive accidents. 

There is no requirement in Florida for you to have collision insurance, which pays for the damage to your vehicle from an accident, or coverage for an uninsured motorist. However, both types of coverage are important, and you can add them to your policy. 

Call Us Today

To get auto insurance in Tallahassee, FL, call us at Kingdom Tree Insurance Group.

Do I Need a Year-Round RV Insurance Policy in Florida?

If you’re a snowbird who spends the winters in Florida, you may wonder if you need a year-round RV insurance policy. The answer depends on several factors, including how often you use your RV and where you keep it when you’re not using it.

What is RV Insurance?

RV insurance is similar to auto insurance because it protects your vehicle in case of an accident or other damage. However, RV insurance also includes coverage for belongings inside the RV and any medical expenses you or your passengers may incur.

There are two types of RV insurance: comprehensive and collision. Comprehensive insurance covers damage to your RV that an accident does not cause, such as fire, storm, theft, or vandalism. Collision insurance covers damage to your RV caused by an accident.

Most people who live in their RVs full-time will need both types of coverage.

Kingdom Tree Insurance Group can help you find the right RV insurance policy for your needs.

Do I Need a Year-Round RV Insurance Policy?

You don’t need a year-round RV insurance policy if you’re not using your RV. For example, if you store your RV in a garage during the winter, you probably don’t need insurance.

You also don’t need a year-round policy if you only use your RV occasionally. If you only take it out for weekend trips or vacations, you can get away with a policy that covers you for those specific times.

Storage insurance is much cheaper than comprehensive and collision coverage because it only covers your RV while in storage. It doesn’t cover any damage that may occur while using it. Instead, you can secure your RV with storage insurance when it’s not in use.

Kingdom Tree Insurance Group can help you find the right RV insurance policy for your needs, whether you need year-round coverage or storage insurance.

How to Choose Recreational Insurance for Your Needs

Getting recreational insurance for your recreational automobile will allow you to enjoy the great outdoors without worry. ATVs, motorcycles, dirt bikes, snowmobiles, RVs, and any other vehicles that you use for fun can be insured under the recreational vehicle category. Here’s how to choose recreational insurance for your needs in Tallahassee, FL. 

1. Type of Vehicle You Own

The type of recreational automobile you own will determine what kind of coverage you need. If you own a recreational motorcycle, you can expect to cover more miles on it, and your biggest risk will be an accident with other vehicles. On the other hand, if you have a dune buggy, you will likely cover fewer miles, but the car will be at a higher risk of damage due to the rough terrain you will drive it on. 

2. Will You Be Carrying Passengers? 

If you are driving a solo recreational automobile like a dirt bike, you won’t be carrying passengers, so you need low-tier third-party liability insurance. In contrast, you have to consider getting high-tier third-party liability insurance for a recreational vehicle with room for passengers. At Kingdom Tree Insurance Group, we recommend getting liability insurance for your recreational vehicle, whether you ride solo or carry passengers. 

3. Level of Customer Service

The level of customer service the insurer offers will directly impact how well the recreational insurance policy works for you. How long do you have to wait in line when calling your insurer? How friendly and helpful are the insurer’s representatives. Can you file your claim online? These questions will help you determine the insurer’s level of customer service. Remember that the next time you call the insurer, you will likely be in distress and trying to inform them of an incident covered under your policy. 

At Kingdom Tree Insurance Group, we have excellent customer service and exceptional recreational insurance offers for Tallahassee, FL residents. Call us today.

What is a full-timers’ policy?

When you visit Kingdom Tree Insurance Group, serving Tallahassee, FL, for RV insurance, you might think one policy fits all RV use. Motorhome insurance offers options, though, depending on how you use your RV.

Most people think of the type of RV policy that resembles auto insurance. It covers your liability while on the road, and you can add comprehensive and collision coverage to it.

RV insurance also offers the full-timers’ policy, though. A full-timers’ policy insures your RV like home insurance does your home. If you plan to travel full-time in your RV or drive to a location and park it there permanently, drawing power from electrical hookups and a water tank, choose full-timers’ insurance.

It fully insures your RV as your home. This lets you file claims for things you would on a bricks-and-mortar home under a home policy. Motorhome insurance falls under the category of home insurance.

The enhanced coverage of full-timers’ insurance provides bumper-to-bumper coverage plus liability coverage. This type of policy includes comprehensive, collision, roadside assistance, total loss replacement coverage, personal property coverage, and attached accessories coverage.

A couple of those terms probably need explanation. Total loss replacement coverage means that if an accident totals your RV beyond repair, your insurance provides you the funds to purchase a replacement RV. Whether this provides the funds for a used or a new RV depends on whether you pay for actual value or replacement cost value.

The term attached accessories refer to items such as awnings and satellite TV dishes. Solar panels on the roof of your RV also fall under this category.

Contact Kingdom Tree Insurance Group serving Tallahassee, FL for RV insurance information. Call us today to insure your motorhome against loss.

Will Homeowner’s Insurance Also Cover Motorhomes in Tallahassee, FL?

Motorhome owners in Tallahassee, FL have the same concerns as other motorists with their insurance. Besides the standard car insurance, they want to know if their homeowner’s insurance will also cover their motorhome. The simple answer: auto and homeowner’s insurance aren’t enough to protect you on the open road. It would help if you had a policy specifically for motorhomes, also called RV insurance.

What is RV Insurance?

RV insurance offers protection for your vehicle, belongings, and you as the driver. Standard car insurance only covers liability, which means if you’re at fault in an accident, your insurer will pay for the damages to the other vehicle and its occupants. But RV insurance also covers physical damage to your RV, which is essential since a motorhome can be worth tens of thousands of dollars.

Many policies will reimburse you for a rental car if your RV is repaired. It can also cover you in case of an accident while on vacation, and your regular car insurance doesn’t apply. Contact your Kingdom Tree Insurance Group agent to learn more about different coverage.

What Happens if You Drive Without RV Insurance in Tallahassee, FL?

You may wonder if it’s vital to get RV insurance since you already have car insurance. But it’s important to know that your regular car insurance won’t cover you in the event of an accident while driving your RV. If you’re involved in an accident and don’t have RV insurance, you could be held liable for all the damages, including those to the other vehicle and its occupants. You could also face criminal charges.

Contact your local Kingdom Tree Insurance Group agent for more information about motorhome insurance in Tallahassee, FL. We can help you find the right coverage for your needs.