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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RV Insurance and You: A Guide

At Kingdom Tree Insurance Group, we can help Tallahassee, FL RV owners find the necessary insurance policies. If you’re unsure what to expect from this insurance, please read this brief guide to learn more about how this protection can keep you safe.

Florida Laws on RV Insurance

Florida requires that every RV owner have liability protection for their vehicle—no exception. However, due to the nature of RVs, you must also have personal injury protection. After all, they can serve as homes, and people might get injured while visiting you. 

Note that if you have a trailer with which you haul your RV, your trailer policy doesn’t offer liability protection. Instead, your vehicle’s insurance will protect your trailer from damage. The trailer’s policy is designed only to protect physical damage to the trailer itself.

Other Ways Insurance Protects You

RV insurance is more diverse than you might think – it can offer far more than liability and personal injury protection. For example, it provides a broad array of extra coverage you can add to your insurance through various riders. Just a few options to consider here include:

  • Comprehensive and collision coverage to keep your whole motorhome protected
  • Medical payment coverage for if you live in your RV full-time or considerable parts of the year
  • Loss assessment to cover fees charged for repairs by local RV associations when renting 
  • Total loss replacement to completely cover replacing your vehicle ASAP
  • Roadside assistance to help you repair your RV while on the road traveling

Get Help Today!

Our team at Kingdom Tree Insurance Group can help RV owners in Tallahassee, FL, get the support they need to find a policy that makes sense for their needs. Contact us today to learn more about our services, and we’ll do whatever we can to help you out.

The Ultimate Recreational Insurance Checklist for Tallahassee, FL RVers

Protect Your RV Travels with Comprehensive Insurance

Having to curtail your RV trip due to a breakdown or natural disaster can be a major dampener. Therefore, it’s essential to safeguard your adventures with comprehensive recreational insurance. As you prepare for your next journey, don’t forget to secure adequate protection for unexpected mishaps.

Comprehensive Recreational Insurance with Kingdom Tree Insurance Group

Based in Tallahassee, FL, Kingdom Tree Insurance Group offers a robust recreational insurance policy to protect your motorhomes, campers’ trailers, and off-road vehicles. With comprehensive coverage that extends beyond typical liability policies, our Florida recreational insurance safeguards your travels against a wide array of potential hazards.

Collision-Related Incidents

Our comprehensive insurance covers the costs associated with collisions during your travels. If your recreational vehicle suffers damage in an accident, rest assured knowing you’re covered by policy provisions that can assist with repair or replacement costs.

Insurance Coverage for Personal Belongings

RV enthusiasts often view their vehicles as second homes, packing them with treasured and essential items for their trips. Our comprehensive insurance coverage provides protection against the loss or theft of these valuable items during your journey.

Covering Emergency Expenses

Understanding your insurance needs is a crucial aspect of planning for your travels. Our knowledgeable insurance professionals are at your service to help you select a policy that works best with your lifestyle, budget, and specific requirements, including coverage for unexpected emergency expenses.

Enhancing your RV Travel Experience

From packing your must-have items to stocking your pantry with non-perishable foods, preparing for an RV trip involves comprehensive planning. But don’t forget the crucial step – securing comprehensive insurance coverage. Keep your passengers, RV, and its contents protected, enhancing your peace of mind while you’re away from home.

Contact Kingdom Tree Insurance Group

Get your free recreational insurance quote from the experienced professionals at Kingdom Tree Insurance Group in Tallahassee, FL, today! Know how we can help shield your travels, making your road trips even more exciting and stress-free.

Security Upgrade Guidelines For Your Rental

Equipping your rental unit with adequate security will protect you against burglary and vandalism. Review the following security guidelines. Then, contact a Kingdom Tree Insurance Group agent who serves Tallahassee, FL. The agent will modify your existing renters’ insurance policy.

Security Benefits

Keeping your rental unit secure will protect your residence from criminal activities. This could prevent the need to file an insurance claim. 

Property And Rental Assessment

You are responsible for protecting your personal possessions while actively renting your residence. The owner of your property may have an insurance policy that covers the building you live in and the land that it is situated on.

Assess your property. Smoke alarms, motion lights, surveillance equipment, cameras, and locks are some devices that will keep your property secure.

Installation Permission

Before you install any security equipment on your property or inside your rental, seek permission from the property owner. The security products that you install should not deface the property or building that you live in.

Once you have been granted the right to install the devices, hire a technician to assist you with setting up and programming the security equipment.

Security Records

Keep records of all the security upgrades that you have made. Write down information about the security camera models and other types of equipment that you have installed within your rental.

Contact our Team!

Keeping your rental secure is a priority. You can obtain the insurance coverage you need by consulting with one of our agents representing Kingdom Tree Insurance Group. Contact an agent who serves Tallahassee, FL, at your earliest convenience.

Four reasons why it’s essential for you to carry motorhome insurance

Motorhome owners in Tallahassee, FL need to find the right insurance solution to keep them financially secure. Kingdom Tree Insurance Group offers motorhome insurance policies to area consumers. 

There are plenty of important reasons why motorhome owners need insurance. Here are four reasons why you need to carry motorhome insurance. 

A motorhome is a huge investment.

It costs a lot of money to buy and maintain a motorhome. An insurance policy protects all your investments in your motorhome and ensures that you won’t lose your motorhome’s value if it gets totaled in a bad accident. 

Owning a motorhome involves liability risks.

You could be liable for damages if you get into an accident in your motorhome. These liability expenses can be considerable and create financial problems if you are not adequately insured. 

Motorhome insurance policies can offer roadside assistance.

If your motorhome breaks down while traveling, you could be left stranded. That’s why it’s good to know motorhome insurance policies can include a roadside assistance feature. 

With roadside assistance, you’ll be able to have a tow truck come out and assist you so that you won’t be left stranded. 

Motorhome insurance is required by law.

You must have motorhome insurance if you drive your motorhome on public roads. Failing to carry motorhome insurance when required by law can result in severe penalties like fines and license suspension.

Enjoy peace of mind by insuring your motorhome in Tallahassee, FL, with a policy from Kingdom Tree Insurance Group. If you’re in the market for the right policy, you can call us today for a quote. 

The Importance of Reviewing Your Home Insurance Policy Every Year

Home insurance is an essential safety net that protects your most significant investment – your home. However, many greater Tallahassee, FL homeowners often overlook the significance of regularly reviewing their insurance policies. His negligence can lead to costly consequences when disaster strikes. It’s crucial to partner with experts like Kingdom Tree Insurance Group and make it a habit to review your insurance policy annually.

Why Review Your Home Insurance Policy Every Year?

  1. Coverage Updates: Over time, your home’s value may increase due to renovations, inflation, or local market trends. Unfortunately, many homeowners don’t realize this and don’t update their coverage. Failing to update your coverage to reflect these changes can leave you underinsured in case of damage or loss.

  2. Policy Changes: Insurance companies frequently update their policies and terms. By reviewing your policy annually, you can ensure you are up-to-date with any modifications that might affect your coverage or premiums.

  3. Inventory Check: Over the course of a year, you may acquire new valuable possessions, such as electronics, jewelry, or art. A yearly review helps you add these items to your policy, ensuring they are protected.

  4. Claim Preparedness: In the event of a disaster, having an up-to-date and well-documented policy can expedite the claims process, reducing stress during a challenging time.

Don’t wait until a disaster strikes to realize the importance of reviewing your home insurance policy every year. Kingdom Tree Insurance Group, serving the greater Tallahassee, FL area, can help you navigate the complexities of home insurance, ensuring that your coverage evolves with your needs. Call us today to learn more about your home insurance policy.

Motorcycle Insurance Made Easy

If you own a motorcycle or are thinking of buying one in the near future, you might have questions about insurance. Fortunately for residents in greater Tallahassee, FL, the team at Kingdom Tree Insurance Group is here to answer any insurance-related questions the community might have. 

Motorcycle Insurance Essentials

The most important thing about motorcycle insurance is that the minimum requirements might not be adequate for your needs. Liability protection is very important, as is medical coverage. Protecting your passengers is another area where policyholders want more robust coverage. Basic policies don’t always give you the coverage you need, which can cost you more money in the long run. Be sure to have adequate protection.

And many bike enthusiasts are surprised to learn that most basic motorcycle policies don’t cover theft or vandalism. You could be out of pocket if your motorcycle is stolen or damaged in a non-covered event. If this concerns you, double-check that your policy provides the comprehensive coverage you need. 

Your local agent can review all the different coverages that are available so that you’re able to decide which are essential to you. It’s hard to choose a policy when you don’t know all the available options. The more consideration you give to selecting your policy, the less likely you’ll be surprised when you have a covered loss. 

Find out more today!

Kingdom Tree Insurance Group is proud to serve the insurance needs of the Tallahassee, FL metropolitan area. If you have questions about motorcycle insurance, we’re here to help. Call or stop by today to find out more about the motorcycle insurance options that are available in our area.

Boat Insurance FAQs

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!

Peace of Mind, Rain or Shine: Why Umbrella Insurance Matters

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.

Four things you might not know about flood insurance

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. 

Things that should always be in your vehicle

Before you head out onto the road, it is essential that you check what you have in your glove box and trunk. Some things are necessary if you want to be prepared for everything that can happen when you are out and about in your motor vehicle. At Kingdom Tree Insurance Group in Tallahassee, FL, we are an independent insurance agency that works for our customers and owes our loyalty to you, the consumer.  


In your glove box or sun visor, you should have your vehicle registration and insurance card. Your driver’s license should also be in the vehicle with you. Most people carry it on their body, not in the glove box. Another essential thing to have with you in your car is your vehicle manual. This can be helpful if any lights are flashing on your dashboard that you don’t recognize or need to know how much tire pressure you need to have. 

You should also have your vehicle’s maintenance record in the vehicle so you can keep up to date on important things like oil changes. 

Safety items

In your trunk, you should have a spare tire, a jack, and flares to put up, so you don’t get hit while fixing your vehicle. A can of Fix a Flat can be beneficial as well. It would be best always to have jumper cables or a personal charger like a Halo in your vehicle.

Practical items

A charging cord, a phone holder so you can drive hands-free, a bottle of water or two, non-perishable snacks, a blanket, and a pair of sunglasses will all come in handy. 

Contact Kingdom Tree Insurance Group in Tallahassee, FL if you have questions about your auto coverage in Florida and what protection you need.