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Kingdom Tree Insurance Group

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

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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.

Hurricane Windstorm Coverage in Florida Homeowners Insurance Policies

Homeowners in the state of Florida are not required by law to have homeowners insurance, but a mortgage lender will usually compel a homeowner to do so. Florida law does, however, require that insurance providers include a provision that covers wind damage caused by storms classified as hurricanes by the National Hurricane Center. 

Policy Features

It is standard that a customer will have two deductibles, one for claims related to windstorm devastation and one for everything else. A client’s insurance claim can cover losses incurred within 72 hours after a declared hurricane’s status has been terminated, and a homeowner will not be compelled to pay more than one deductible per storm season. 

Extra Benefits

The state of Florida affords insurance companies the use of reassurance programs to reimburse them for a portion of their losses during widespread disasters, and homeowners can avail themselves of free home inspections to determine their dwelling’s ability to withstand inclement weather. Inhabitants of Tallahassee FL can be eligible for discounts when they update their home with certain features designed to minimize the effects of high winds. These can include sealing the roof to add extra insulation, prevent leaks, to keep roof shingles from blowing away, and reinforcing load bearing walls to the roof to enhance the overall strength of the structure. Homeowners can also install hurricane-rated doors for their home and garage, and they can install storm shutters and shatter-proof windows. 

Contact Kingdom Tree Insurance Agency 

Kingdom Tree Insurance Agency in Tallahassee, FL has experience serving the residents in and around Florida, Alabama, and Georgia, and we provide a variety of insurance options suited to meet your needs. We invite you to stop by our office to discuss all your insurance requirements with our friendly agents. We look forward to hearing from you.