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Kingdom Tree Insurance Group

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

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What auto insurance is required in Florida?

With more than 275,000 miles of roads and more than 14.6 million licensed drivers, you’ll be sharing the highway with lots of other folks in Florida. Some areas are a lot more challenging than others, but no matter where you drive in the state, you face the same requirements as every other driver. At Kingdom Tree Insurance Group in Tallahassee, FL we are independent agents who represent many different carriers. We will work for you to find the best policy for your needs. 

The required insurance in Florida is 10/20/10. That is $10,000 in bodily injury for the first person injured in an accident you cause, with a total of $20,000 for the entire accident. The final $10,000 is for damage to property. Since Florida is a no-fault state, you are also required to have uninsured motorist insurance equal to the bodily injury coverage and $10,000 in PIP (Personal Injury Protection) to protect you. 

If you have a leased vehicle or you have an auto loan, the lender or lessor will require that you also have collision and comprehensive coverage to protect their vehicle. 

As a Florida driver, you may wonder if having just the required insurance is enough for you. If you own your vehicle outright, you don’t need to protect your vehicle, but as a person who relies on their vehicle to get to work and to do all the things that people need to do, you may want to protect your car. That means opting for collision and comprehensive coverage even if it is not required. Having to pay to replace or repair your vehicle out of your own pocket is not something that most people can handle without struggling. 

Contact Kingdom Tree Insurance Group in Tallahassee, FL when you are in need of auto insurance or have questions about requirements and coverage.

Common Types of RV Insurance

RVs are currently a very trending purchase in Tallahassee, FL and across the entire state in general. Your RV is like a house on wheels; therefore, RV insurance should offer massive protection for your expensive car. Many Tallahassee, FL residents transform RV ownership as their dwelling and a magnificent way to tour and enjoy the fascinating scenery at the convenience of a home on wheels.RV ownership exposes you to a global platform of endless breathtaking episodes. Connect with us at Kingdom Tree Insurance Group, and our dedicated agents will assist you in landing outstanding RV insurance matching your lifestyle and needs.

Common Types of RV Insurance.

Owning an RV is a dream come true for many Tallahassee, FL residents. Regrettably, incertitudes like accidents, fire, vandalism, and other imminent perils can interfere with your priced investment. It paramount to consider the following coverages.

Property damage liability:  It caters to your legal liability for an accident where there is damage to someone else’s property or vehicle up to the limit of your policy you choose. In the process, you may cause bodily injuries, which this policy will reimburse for.

Collision coverage: Your insurer pays for damage propagated by a collision with another vehicle or other stationary objects such as a fence, post, guardrail, among others. Your RV vehicle will be repaired or get replaced.

Comprehensive coverage: It covers the repair or replacement of your RV if non-collision incidences damage it. These covered calamities include falling objects, vandalism, and theft. 

Un-insured and under-insured motorist coverage: It pays for damages to your RV and injuries for you and your passengers when you get involved in an accident with another motorist with no insurance or insufficient protection. 

Medical payment coverage: It caters to reasonable and necessary medical bills such as x-rays and medication for your inflicted injuries if you are engaged in a crash with your RV.

Replacement cost or personal effects: This type of coverage protects your items like camera equipment or sporting gear inside your RV.

Do you need RV insurance for your motorhome or camp trailer in Tallahassee, FL? Please call or visit our Kingdom Tree Insurance Group and start your insurance journey with us.

What can happen if I do not carry recreational insurance in Florida?

One of the draws of living in the Tallahassee, FL area is that you have access to a wide range of recreational parks and other places to spend your time. A way to ensure you are able to enjoy living in this part of Florida is by investing in your own recreational vehicle. If you do invest in a recreational vehicle here, you should assess your insurance needs carefully. If you do not have this coverage, a few negative situations could arise. 

You Could Lose Asset

One of the drawbacks of not having recreational insurance is that you could lose the asset. A recreational asset can provide you with a lot of fun for a long time. However, if it is stolen or destroyed, you may lose out on those experiences and lose your investment. Fortunately, recreational insurance can protect against those risks. 

Face Liability Claims

Not carrying a proper recreational insurance plan could also result in you having to face liability claims on your own. There is always going to be a chance that you could cause an accident when using your recreational vehicle and you will need to cover any damages that are incurred. If you have proper insurance, you will have the support to pay these damages. If you are not insured, you will need to cover damages out of pocket. 

Those that are going to invest in a recreational vehicle and asset in Tallahassee, FL will want to have the right insurance for it. Those that are looking for a new policy in this area will always benefit by working with the Kingdom Tree Insurance Group. The team with the Kingdom Tree Insurance Group can help anyone carefully analyze and assess their insurance needs. This will ensure they choose a plan that is right for their situation. 

5 Ways Renters Insurance Can Protect You

Renting an apartment means putting into consideration several variables, and finding an insurance policy to cover your stuff and belongings is among the many. As a renter in Tallahassee, FL, you should buy the right insurance policy to cover your belongings. As Kingdom Tree Insurance Group, we will take you through the ways renters insurance protects you and how to buy the right policy.

Covers Damages on Rental Items

Most apartments come furnished with improvements meant for your comfort. However, accidents and damage within the apartment are something to expect. Renters insurance provides coverage for both rented and owned items and helps solve such issues when they happen.

Provides Liability Coverage

Most standard renter’s insurance policies come with or include liability coverage. This is to provide protection in case someone gets injured while in your apartment. With liability coverage, legal expenses, in case of lawsuits, are also covered when you seek renters insurance.

Covers Child-Based Accidents

Children are part of the family, and taking care of their needs and welfare is essential. Renters insurance is beneficial as it covers all the problems and damage caused by children in the rented home or apartment. The policy is also beneficial when your children cause damage to someone else’s property.

Covers Off-Premises Loss or Damages

When you find your belongings lost or stolen while away from the apartment, the renters’ insurance will cover and help you recover from the loss to some extent. If you are in Tallahassee, FL, we will guide and help you shop for a suitable renters’ insurance policy.

Cover Public Emergency and Hotel Costs

In case there is a fire or gas leak in your street, and you must move out of your apartment and into a hotel or other accommodation facility for a while, renter insurance will cover the costs and inconveniences caused. The policy will take care of your temporary relocation.

As Kingdom Tree Insurance Group, we have a commitment and an obligation to make your life as a renter easier. Contact us today for more guidance on renters insurance.

Is Motorhome Insurance Mandatory in Florida?

Want to enjoy transportation and lodging at the same time? A motorhome is a perfect investment to help you get the best of these worlds. While a motorhome presents an unmatchable experience, owners shouldn’t forget one crucial thing: motorhome insurance, which you can purchase from Kingdom Tree Insurance Group, serving Tallahassee, FL and the nearby areas.

Motorhome insurance in Florida

Just like auto insurance, motorhome insurance is mandatory in Florida, and the state requires motorhome owners to carry insurance with the below minimum coverage:

  • Bodily injury liability: Covers medical expenses for an injury caused to another driver or pedestrians. Florida requires you to have a minimum bodily injury liability with a limit of $10,000 per person and $20,000 per accident for multiple persons. 
  • Property damage liability: Provides coverage when you cause third-party damage, and you are at fault. The minimum coverage limit is $10,000 per accident.

While the above coverages make sure you comply with the law, they don’t protect your motorhome from damage. That said, you should look out for the below additional coverages to provide your motorhome with optimal coverage. 

  • Comprehensive and collision coverages: Collision coverage covers damages to your vehicle in case of an accident, while comprehensive insurance protects against theft and damage from fire, animals, vandalism, weather, and falling objects.
  • Campsite and vacation coverage: Covers for injuries or damage caused to other people while on your leisure travel.
  • Full-time coverage: Apt for persons who reside in their RVs year-round. It operates more like homeowners insurance rather than auto insurance. 
  • Roadside assistance: Covers services like gas delivery, battery jump-starting, puncture repair, and other roadside repairs.

Getting motorhome insurance is the difference between you postponing a family retreat and recovering from an accident. That said, it’s critical you partner with knowledgeable and dependable agents like Kingdom Tree Insurance Group, located in Tallahassee, FL, to assist you in getting the right RV insurance policy and even helping you process a claim.

Can home insurance protect me in Florida?

If you are a resident of the Tallahassee, FL area, a good long-term housing option would be to purchase your own home. Those that are property owners can benefit in many ways including having a place to call their own and enjoying long-term price appreciation. Along with buying a home in this area, you also need to get proper insurance. Home insurance can protect someone in Florida in a range of different ways. 

Insurance Protects Your Dwelling

The home that you buy is a major investment. If you do not have insurance and it is damaged by a bad storm, fire or even vandalism, you may lose your investment entirely. Fortunately, you can get a full insurance plan that will include coverage to repair or replace your property if damage occurs. Most of the time, your mortgage lender will also require that you maintain this coverage to ensure their loan collateral is protected.

Liability Claim Protection

A property owner in Florida is going to have some liability risk at all times. If there is a guest over to your home that gets hurt or your property somehow causes damage to another person’s property, you may be held liable. Fortunately, you are able to mitigate this risk with proper insurance protection as a home insurance plan will include a provision for liability coverage.

If you would like to buy a home and you are in Tallahassee, FL getting the right insurance is very important. As you are looking for a new policy, it would be a good idea to call the Kingdom Tree Insurance Group. The insurance team with the Kingdom Tree Insurance Group understands the importance of this protection and can help you build a plan that meets your needs to ensure your home is covered appropriately. 

Motorcycle Insurance Facts To Assist Inexperienced Riders Researching Coverage

Kingdom Tree Insurance Group offers different types of coverage to the Tallahassee, FL community, as well as the surrounding areas. We assist our clients with any insurance questions that they may have so that they can find the policies they need to protect what matters most. As an independent insurance agency, we offer flexible coverage options.

Motorcycle Insurance Facts To Help New Riders

If you are planning to learn how to ride a motorcycle as a new hobby, motorcycle insurance is an asset. The policy protects you as you learn how to navigate the vehicle around Tallahassee, FL. Accidents can happen at any time. Motorcycle insurance covers you if you are involved in an accident. Liability coverage protects you if your motorcycle causes damage to other people or their property. The policy also covers your motorcycle if it is damaged or stolen. Here is a look at some other important parts of a motorcycle insurance policy.

Liability Coverage Includes Passengers

Once you start to get comfortable riding a motorcycle, perhaps you would like to take your friends for a ride. Be aware that liability coverage protects you in the unfortunate event that you are involved in a collision while riding with your friend. Liability coverage protects you if your friend suffers serious injuries.

Comprehensive Coverage

Comprehensive coverage protects you if your motorcycle is harmed without you being in an accident. This type of coverage can protect you if your motorcycle is stolen or vandalized. Florida is prone to severe weather, and comprehensive coverage protects you if your motorcycle is damaged due to a natural disaster such as a hurricane or tornado. If you plan to make any upgrades to your motorcycle in the future, you can amend your policy to cover you if your special parts are damaged.

Kingdom Tree Insurance Group Will Help You Ride Safely.

Visit our website today to learn more information about motorcycle insurance.

Do all people with boats need boat insurance in Florida?

The Tallahassee, FL area is a great place to live if you enjoy being outdoors. This area of Florida offers a range of great local amenities, including access to many different local lakes and other waterways. If you are going to move to this area and want to enjoy the water as much as possible, you should think about investing in a boat. If you do invest in a boat, getting boat insurance is a good investment and is needed in many situations.

Insurance Needed When Taking Out a Loan

A situation when you should get boat insurance is when you want to take out a loan. There are a lot of situations when financing the purchase of your boat with a loan is a prudent decision. If you do take out a boat loan, you do need to ensure that you follow the insurance requirements set by the lender. Most of the time, they will want you to have full coverage as it will protect their security interests in your boat.

Required to Use Certain Marinas

Depending on where you want to use your boat, you could be required to get boat insurance. Many local marinas want all owners to get insurance due to the protections it provides. Having proper coverage will ensure you can use your boat anywhere you want in the area. 

People that are going to get boat insurance when they are in Tallahassee, FL needs to speak with someone that they can trust. The insurance team with the Kingdom Tree Insurance Group will be able to help you build a policy that properly meets your needs. The insurance team at Kingdom Tree Insurance Group is able to do this by answering your questions and getting you into a policy that protects your boat and gives you the liability coverage you need to have peace of mind. 

The Difference between Collision and Comprehensive Motorcycle Insurance

The motorcycle insurance policy at Kingdom Tree Insurance Group in Tallahassee, FL offers diverse motorcycle coverage. Whether you are a serious rider or just a bike enthusiast, we got you covered. You can choose between collision and comprehensive insurance. You don’t know what coverage fits you best? Our experienced insurance agents are ready to simplify it for you. But first, you need to understand the difference between the two types of coverage.

Collision Insurance and What It Covers

Collision insurance covers the costs of repair after damages to your bike caused by vehicles or objects such as trees and walls. However, this policy doesn’t cover damage caused to the object or the vehicle involved in the collision. Neither does it pay your medical bills in case you or your rider gets injured during the collision.

What Comprehensive Insurance Covers?

On the other hand, comprehensive insurance covers only risks and not collisions. The types of risks include vandalism, damage from falling objects like trees, or hail. If your motorcycle is stolen, you’ll also be covered under this policy. However, damages by normal wear and tear or lack of maintenance are not included in the package. Further, it doesn’t cover the costs beyond the coverage limit; usually the bike’s cash value. In this case, it only covers the standard parts of the motorcycle as was purchased. No modifications are covered! Therefore, you’ll need to purchase an additional cover for any accessories or parts you add to your bike.

If you’re in Tallahassee, FL, be confident that your motorcycle is safe. The only thing you need to do is call our agent location and receive the support and guidance you need to choose the coverage that fits your personal needs.

Should I get a Florida boat insurance policy?

When you are a resident of the Tallahassee, FL area, being able to take advantage of the sun and warm weather is very important. When you are going to live in this area of the state, a great way to enjoy it as much as possible is by owning a boat. When you are a boat owner here, you need to get proper insurance for it. This insurance offers several forms of coverage that can make it a great option. 

Insurance Gives Liability Protection

One reason that you should get boat insurance is that it will provide you with liability protection. Even if you are a very experienced and careful boat owner, there is always going to be a chance that you could cause an accident. When this happens, you are going to have to pay for all damages that could occur. Fortunately, when you get a boat insurance policy it will include liability coverage for these situations.

Insurance Protects Assets

Another reason that you should get a boat insurance policy is that it can protect your assets. A boat owner in this area of Florida will have to invest a lot of capital to buy their boat. This can make it a very important asset that you need to protect. If you get a full boat insurance policy, it will give you coverage in the event you experience a variety of losses including theft or damage. 

When you are looking for boat insurance in the Tallahassee, FL area, it would be a good idea to call the Kingdom Tree Insurance Group. When you do call the Kingdom Tree Insurance Group you can get the support and guidance needed to choose a new policy. This will ensure your assets are properly covered and protected.