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 for Rental Units: Protecting Your Investment in Florida

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.

Protecting Your Motorcycle, Boat, ATV and Other Recreational Vehicles

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.

Why should you get renter’s insurance in Florida?

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. 

Is Motorhome insurance necessary in Florida?

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. 

Will homeowners insurance cover the damage to my she-shed?

Homeowners insurance creates peace of mind for many homeowners. The benefits of this type of insurance extend well beyond the home. Our team at Kingdom Tree Insurance Group knows that Tallahassee, FL homeowners are interested in protecting their homes through this type of insurance coverage because of the extensive benefits and protection provided by homeowners insurance. 

What is Homeowners Insurance?

Homeowners insurance provides protection and coverage that extends beyond the physical home and includes everything on the property and liability coverage. In other words, not only is your home’s foundation, exterior, and interior covered under your homeowner’s insurance policy but everything on your property is also covered. The liability coverage protects homeowners from lawsuits by providing coverage for visitors who may become injured while visiting a homeowner’s property or suffer some form of property damage. Your homeowner’s insurance may even provide protection and medical coverage for your neighbor if your dog bites them. Specifically, your homeowner’s policy typically covers your home, any structures on your property, and loss of use expenses. Plus, homeowners insurance provides personal liability coverage and medical payments for others who may become injured while on your property. This form of coverage also includes financial compensation for damages if the damages are a covered peril approved by your policy. However, the coverage amount won’t exceed the maximum coverage limit outlined by your policy. 

Will homeowners insurance cover the damage to my she-shed?

Yes. Your she-shed is an additional structure on your property. Therefore, a she-shed, or any shed, is typically covered by a  homeowners’ policy. If you have questions about what a homeowners’ insurance policy covers, call us. We’d be happy to discuss the benefits and coverage. 

Can you add roadside assistance to a motorcycle policy?

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.

Best places to boat in Tallahassee

If you’re looking for great places to boat in Tallahassee, you have plenty of options. Depending on what you’re looking for, different waterways can provide a more enjoyable experience.

If you want a peaceful day out on the water, Lake Jackson and Wakulla Springs are perfect. They offer a great escape from the city with plenty of shady spots to relax and beautiful scenery all around.

Lake Jackson is a beautiful spot for boating in Tallahassee, FL. With plenty of places to dock and plenty of shade, it’s perfect for a day out on the water. The scenery is beautiful, and the lake is peaceful, making it a great place to relax and escape from the city.

Wakulla Springs is another great spot for boating in Tallahassee. With crystal-clear waters and plenty of places to dock, it’s a popular spot for swimming and fishing. The scenery is beautiful, and the springs are refreshing, making it a great spot to spend a day out on the water.

For those who are after a more exciting day out, the St. Marks River and Ochlockonee River are also great options. If going out on the ocean, check tide schedules before heading out and be aware of potential hazards such as sandbars and fallen trees. And remember, when out on a boat, you should always wear a life jacket and have fun!

If you have questions about where to boat in Tallahassee or how to stay safe, give the Kingdom Tree Insurance Group a call today. We love boats and would be glad to answer all of your questions. 

How Umbrella Insurance Gives Your Home an Extra Layer of Protection

Home insurance is essential, but it may not cover everything. That’s where umbrella insurance comes in. Umbrella insurance is designed to give your home an extra layer of protection by providing coverage for lawsuits, property damage, and more. It’s a great way to have peace of mind and can be affordable for homeowners. Kingdom Tree Insurance Group of Tallahassee, FL is here to help you understand a bit more about the benefits of umbrella insurance for your home.

What Is Umbrella Insurance?

Umbrella insurance is an insurance policy that provides additional coverage on top of a person’s insurance. It is designed to protect the policyholder from significant financial losses resulting from a lawsuit or other unforeseen event. Umbrella insurance can be used to cover the costs of legal fees, damages, and other expenses that a standard insurance policy may not cover.

How Much Umbrella Insurance Do You Need?

When it comes to umbrella insurance, there’s no one-size-fits-all answer. The amount of coverage you need depends on various factors, including the value of your assets, the amount of liability coverage you already have, and your risk exposure. A professional insurance agent can help you assess your needs and find the right amount of coverage for your situation.

Kingdom Tree Insurance Group in Tallahassee, FL offers umbrella insurance to our customers. We are committed to providing our customers with personalized coverage. Whether you’re looking for protection from liability, property damage, or even identity theft, we have a policy that’s right for you. Contact us today to learn more about our umbrella insurance options.

Three ways you might be able to reduce your flood insurance costs

If you’re looking for ways to bring down your flood insurance costs, you can do a couple of things. Kingdom Tree Insurance Group offers flood insurance to homeowners living in Tallahassee, FL.

The following are three things you can do to save money on your flood insurance costs while also ensuring you have adequate property coverage. 

Invest in flood-proofing

A flood insurance provider will typically charge you less on flood insurance when your property is protected from flood damage.

A waterproofing system that holds flood waters back could qualify you for lower premiums from your insurance provider. You might also be offered lower premiums if you install flood venting on your home. 

Opt for a flood insurance policy with a higher deductible

One effective way to enjoy lower premiums on any insurance policy is to increase your deductible. 

While a higher deductible means that filing a claim will be more expensive, higher deductibles tend to bring premium amounts down. 

If you have enough money to afford a higher deductible out of pocket, a higher deductible could be a good solution when saving on flood insurance. 

Compare quotes among different flood insurance providers

Of course, shopping around and getting quotes from a few different insurance companies is always important. This way, you can choose the most cost-effective flood insurance option available in your area. 

Do you have questions about meeting your flood insurance needs in Tallahassee, FL? We at Kingdom Tree Insurance Group will be happy to assist you with getting flood insurance on your property.

Get in touch with us today to learn about our insurance policy offerings and to get a quote on a flood insurance policy!

Required Auto Insurance in Florida

When you have a vehicle in Florida, you must have specific auto insurance coverage. Several different types of coverage are required to be in these policies, and there are other coverage types that are smart to add to your policy. In this state, you must have certain minimum amounts of each type of coverage required. You also have to have proof of insurance in your vehicle. Florida is referred to as a no-fault state. This means that your insurance policy will pay for any injuries you have until it reaches its limit, no matter who was responsible for the accident. If you are in Tallahassee, FL, give us a call at Kingdom Tree Insurance Group to get your auto insurance. 

Minimum Car Insurance Requirements

To stay legal, your auto insurance must have specific amounts of coverage for bodily injury. This includes one amount for one person injured in your accident and another amount required for all of the parties who become injured. There is also another amount required for personal injury protection. Another required amount is for property damage liability. All of these required amounts are very low when compared to what is required by other states. They may not be enough to pay for a severe accident. It’s a good idea to add to the necessary coverage so that you are better protected against severe and expensive accidents. 

There is no requirement in Florida for you to have collision insurance, which pays for the damage to your vehicle from an accident, or coverage for an uninsured motorist. However, both types of coverage are important, and you can add them to your policy. 

Call Us Today

To get auto insurance in Tallahassee, FL, call us at Kingdom Tree Insurance Group.