At Kingdom Tree Insurance Group in Tallahassee, FL, we answer all kinds of questions from brand-new and longtime boat owners alike. While every boat insurance policy is different, there are some general, frequently asked questions that our office receives regularly. Specific questions are best directed to our team of professionals.

What Is Boat Insurance?

If you’ve never heard of boat insurance, you may wonder what it is and what it covers. As the name indicates, boat insurance covers boats and protects them against various issues that boat owners commonly face. Another popular name for boat insurance is "watercraft insurance." The only real difference between watercraft insurance and boat insurance is what it’s called. Everything else about these insurance policies is virtually identical.

What Does Boat Insurance Cover?

Although individual policies may differ, boat insurance generally covers liability, qualifying damages, and replacement in the event of theft. Boat insurance policies may cover other aspects of boat ownership. It’s best to review your policy or consult with an agent for specifics.

Does Boat Insurance Only Cover Boats?

Boat insurance covers so much more than boats. Even though some watercraft may be more appropriate to cover through recreational insurance or other policies, boat insurance generally covers a range of types of boats and watercraft. The list of vehicles that may be covered by boat insurance includes jet skis and yachts. If you own a watercraft, you can always ask our team whether it might be eligible for coverage under our boat insurance policies. Even if your particular watercraft isn’t eligible for boat insurance coverage, another type of policy may protect it.

To learn how to cover your boat and other watercraft, call Kingdom Tree Insurance Group in Tallahassee, FL, today!

Is your home insurance enough for the worst-case scenarios? Umbrella insurance steps in when your standard homeowners’ insurance reaches its limit. If a disaster results in total home loss or someone sues you because they were injured on your property in Tallahassee, FL, the liability may exceed your coverage. Adding umbrella insurance from Kingdom Tree Insurance Group to your insurance portfolio provides that extra layer of protection just in case these unexpected events result in costly damages.

What Is Umbrella Insurance?

Umbrella insurance is a type of policy designed to offer additional coverage when the limits of other policies have been reached. This typically includes protection from personal liability claims or lawsuits resulting from accidents and injuries that occur on your property. Umbrella insurance can also provide extra coverage for things like libel, slander, false arrest, malicious prosecution, and more. In other words, it’s a form of insurance that provides the extra protection you need to help with any costs associated with an accident or lawsuit.

How Does It Work?

Umbrella insurance works by extending the amount of coverage beyond your existing policies to provide additional financial protection if a claim exceeds your home insurance coverage.

Who Needs Umbrella Insurance?

Anyone who owns a home should consider umbrella insurance. In addition, those with multiple properties, businesses, or other assets should also look into umbrella coverage to protect their investments. If you work in a field with a high liability risk, umbrella insurance is also a wise and necessary precaution.

Contact Us Today

At Kingdom Tree Insurance Group, we understand that accidents happen and can be costly. We offer comprehensive umbrella insurance coverage to protect you and your assets in Tallahassee, FL.

Floods cause a lot of damage to American homes every year. That’s why homeowners in Tallahassee, FL need to make sure that they have adequate flood coverage. At Kingdom Tree Insurance Group, we offer flood insurance coverage to area homeowners.

The following are four things you might not know about flood insurance.  

You probably need flood insurance even if you think flooding is rare in your area.

Too many homeowners think that flood damage is only a risk in certain areas. The truth is that flooding can happen almost everywhere.

You shouldn’t forego flood insurance coverage simply because you’re not in a high-risk flood zone. 

You need to purchase flood insurance separately from your home insurance policy.

A standard home insurance policy never covers flood damage. While home insurance providers offer a flood insurance coverage add-on option in some situations, homeowners usually need to buy flood insurance coverage separately from their home insurance. 

The NFIP can subsidize flood insurance in many situations.

Government-subsidized flood insurance coverage is probably available to you if you live in an area with a high risk for flooding. Buying a policy that the NFIP subsidizes could save you a lot of money and make flood insurance affordable. 

Your mortgage lender might require you to carry flood insurance.

It’s important to be aware of what your mortgage lender’s flood insurance requirements are. Many mortgage lenders require flood insurance. If this is the case, you’ll need flood insurance before you can finance your home purchase. 

Kingdom Tree Insurance Group is an insurance provider offering coverage to consumers in Tallahassee, FL. Call us for a policy quote to protect your investment in your home. 

If you own an RV and rent it out, protecting your investment with the right insurance coverage is crucial. From accidents to theft, there are various risks that RV owners face, and it’s essential to ensure you have the necessary insurance to cover any potential damages or losses. It’s critical to have experts on RV rental insurance, like Kingdom Tree Insurance Group, to help protect your investment.

Why RV Rental Insurance is Important

As an RV owner, it’s essential to understand the unique insurance needs that come with renting out your vehicle. Standard auto insurance policies may not provide adequate coverage in case of an accident, and personal policies may not cover RVs at all. RV rental insurance provides the necessary coverage to protect against accidents, damages, and theft while renting your vehicle. With proper RV rental insurance coverage, you can have peace of mind knowing that your investment is protected.

Types of RV Rental Insurance Coverage

RV rental insurance typically offers a range of coverage options to protect your investment, including liability coverage, collision coverage, comprehensive coverage, and roadside assistance. Liability coverage protects you in case of an accident that causes damage to other people or property. Collision coverage covers damages to your RV resulting from a collision with another vehicle or object. Comprehensive coverage protects against damages caused by incidents like fire, theft, or vandalism. Roadside assistance provides help if you experience issues while traveling, such as a flat tire or dead battery.

Protect Your Investment with Kingdom Tree Insurance Group

Owning an RV rental business can be lucrative, but it comes with unique risks requiring the right insurance coverage. By understanding the coverage options available, RV rental owners in Tallahassee, FL can ensure they have the protection they need to safeguard their investment. We offer tailored insurance solutions to meet the needs of RV rental business owners. Contact us today to learn more about how we can help protect your RV rental business with comprehensive insurance coverage.

No matter how old you become, pursuing your hobbies is a great way to keep your sense of adventure. If you own a boat, ATV, motorcycle, RV, or snowmobile, you already know the rush of adrenaline that comes with mastering a tough trail or looking out at a crisp, snow-filled valley with no one else in sight. Ask an agent at Kingdom Tree Insurance Group, serving clients in Tallahassee, FL, about the best coverage for your toy vehicles.

Motorcycles, Boats, and More

Motorcycles, boats, side-by-sides, 4-wheelers, jet skis, and other fun vehicles require insurance to protect your investment. Although they’re not covered by traditional auto insurance, you can safeguard yourself, your passengers, and your vehicle with recreation insurance. Even though the laws about these toys’ usage and insurance coverage vary, you can work with your agent at Kingdom Tree Insurance Group to ensure all of your recreational vehicles are covered.

Motorcycle Insurance

In Florida and most other states, motorcycles require the same types of coverage as automobiles. At the minimum, we recommend liability insurance, which pays for injuries and property damage to another driver or vehicle. You may also want to invest in collision insurance that will pay for damage to your own vehicle or comprehensive insurance to cover theft or damage.

Boat Insurance

Experienced boaters face the same dangers as those on the water for the first time. Therefore, it’s vital to ensure your vessel has the right coverage in the case of a lawsuit, property damage, or injuries.

Other Recreational Coverage

ATVs, dirt bikes, 4-wheelers, and similar toys are built for off-road experiences. Make sure to tailor your coverage to match your preferred sport and adventure.

Travel Trailer and RVs

You use your car to tow a travel trailer but don’t rely on your home and auto insurance for coverage. Make sure the trailer and all its contents are covered. RV owners must maintain liability insurance like cars, trucks, and other traditional vehicles in Tallahassee, FL. We can help you determine what to add to ensure you’re covered when traveling or stopping for the night.

Contact Kingdom Tree Insurance Group for help safeguarding your adventure vehicles. Make an appointment for a free quote today.

The Tallahassee, FL area remains a popular place to move to. With a major university, a strong economy, and good weather, there is continued demand for housing. When looking for a new home to rent in this area, you will want to know that the renter’s insurance covers you. 

Protect Against Liability Risks

One of the reasons you should have a renter’s insurance plan is to protect yourself against your liability risks. There are always risks that come with renting a home. This can include the risk that you cause an accident or damage to the property and are found liable. You also could be liable if a guest is injured while in your rental home. You can mitigate this risk if you are covered with a full renter’s insurance plan.

Cover Your Assets

It can also be a good idea to have a renter’s insurance to ensure you can cover your assets. There will always be assets you need to bring into your home. These can include your furniture, electronics, and various other personal items. With this insurance, you will get protection to replace or repair these items if you incur a covered loss. 

Having renter’s insurance when renting a home in the Tallahassee, FL area is always a good idea. There are a lot of choices to make when looking for insurance, and our team with the Kingdom Tree Insurance Group can help. Our Kingdom Tree Insurance Group professionals know the value of this coverage and can help guide your decision. This will include giving insight into all of your options, so you select the right plan for your situation. 

Anyone that lives in the Tallahassee, FL area will know that there are a lot of great places to explore in the city and surrounding areas. Investing in your own motorhome can be an ideal option when you are looking for a way to experience as much of this state as possible. If you get a motorhome, you will also want to get an insurance plan. A motorhome insurance policy should be considered a necessity for different reasons. 

Cover Motorhome

One of the reasons anyone in this state will need this coverage is to protect the asset. Those who will obtain a motorhome will be acquiring a significant asset that took a large investment, and losing it to an accident or theft could be devastating. If you retain a proper motorhome insurance plan, it can include comprehensive insurance that will help mitigate all types of risks you face. 

Required by Law to Use

You also will need to get a motorhome insurance plan as it could be a legal requirement. If you intend to use your motorhome on a public road, you will be obligated to carry liability insurance, which can be a part of the motorhome insurance policy. If you do not get this valuable coverage, you could be penalized if you are pulled over. 

A motorhome can be a good investment in the Tallahassee, FL area. When you are looking to get this coverage here, it can be helpful to call someone you can trust. Our team with the Kingdom Tree Insurance Group knows the value of this coverage and can help you select a plan that is right for your situation. This will ensure your motorhome is appropriately covered at all times. 

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.