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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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.

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.