Moving into a new rental apartment is a big day for anyone. At this time, you likely will spend a lot of time figuring out your budget and buying new furniture for your home. Another important factor that you need to think about is your need for insurance protection. It is important that all Tallahassee, FL area residents have renters insurance in place when they are moving into a new apartment.
Ensures Lease Compliance
One reason why you need to have renters insurance in place is that it will ensure that you are in compliance with your obligations under the lease. All landlords will want you to have renters insurance. This will ensure that you have property and liability protection at all times. In fact, most landlords will want you to pay for an entire year’s policy in advance before the lease starts.
Gives the Protection You Need
When you are looking to move into a new apartment, you also will want to make sure that you are adequately protected from liability and for your personal belongings. All people will have some clothing, furniture, and other personal items in their apartment at all times. If you do not have a full renters insurance policy in place, you could end up losing a lot of money if you are victimized by a fire, storm damage, theft, or vandalism.
If you are looking to move into a new rental property in Tallahassee, FL, you should reach out to the team at Kingdom Tree Insurance Group. When you speak with the professionals at Kingdom Tree Insurance Group, the insurance professionals will guide you through the insurance policy selection process. This will ensure that you are able to get into the right policy that meets all of your needs.
Thanks to technology, more people than ever are working out of their homes. Here at Kingdom Tree Insurance Group, providing insurance services in the greater Tallahassee, FL area, we are often asked what impact this has on homeowner’s insurance. If you have a home business, here is what you need to know about how the business can affect your homeowner’s insurance.
Does a Home Business Affect Your Homeowner’s Insurance?
A home business can affect your homeowner’s insurance policy. Some policies will ask you if you have a home business. If you do, and you check yes, the policy may cover your home business items, including your computer equipment, home office, and any products that you store in your home. Other policies will specifically exclude anything to do with a home business from being covered. You have to carefully read through the policy and the exclusions to learn whether your coverage excludes home business coverage.
If your home business is covered under your homeowner’s insurance, the next thing you will want to do is ensure you have the correct coverage level. You need to ensure that your coverage level is high enough to cover any items that may be damaged or stolen. Many people often fail to increase their home insurance coverage level when they decide to run a business from their home. This can financially harm you if your policy level is not high enough to cover everything.
If you have a home business, it is crucial that you ensure that your homeowner’s insurance covers the business and provides the level of coverage to adequately protect any items you may have stored inside of the home. If you are in the market for a new homeowner’s insurance policy in the greater Tallahassee, FL area, let us at Kingdom Tree Insurance Group help you. Contact us today to get started.
If you own a motorcycle, you already know how important it is to have the right type of motorcycle coverage. If you own an antique motorcycle, you may be wondering if you are selecting the right amount of coverage to protect yourself when you are out on the open road.
Selecting The Right Amount Of Coverage
Depending on the value of your motorcycle, you may want to increase the amount of coverage you carry in the event of an accident or theft. Antique motorcycles can increase in value dramatically in some cases, which warrants more comprehensive coverage. If you are unsure about the value of your motorcycle you should consult a professional appraiser and your insurance agent. They can work with you to help you determine what coverage options work best for your needs.
Find A Knowledgeable Insurance Provider
Working with an insurance company that understands the value of antique motorcycle coverage and who is experienced enough to guide you through the policy selection process is key to protecting yourself. Not all agencies and agents are alike, which is why you should contact Kingdom Tree Insurance Group, serving the residents in and around the Tallahassee, FL area. They will work closely with you to make sure you don’t have gaps in coverage and have a policy designed to fit your needs as an antique motorcycle owner.
If you have questions or want to learn more about your insurance options, call or stop by Kingdom Tree Insurance Group. They proudly serve residents around the Tallahassee, FL area and want to work with you to discover policy options that give you peace of mind while you are on the road.
Boating is a recreational activity shared by many residents from Miami to Tallahassee, FL. Smart boat owners will protect their investment with boat insurance. Boat insurance from Kingdom Tree Insurance Group offers you a wide range of options for protecting your property and others when enjoying this sport. Here are just a few of the many benefits you stand to gain by obtaining a boat insurance policy.
Even careful boaters can have accidents on the water, causing injuries to passengers, other boaters, or nearby swimmers. If you’re found at fault in a boating accident, your liability insurance will cover the cost of medical expenses of those who were injured as well as any property damage you may have caused. In the event you’re sued by an injured party, your insurance will cover litigation and settlement fees to save you from financial ruin.
Protection for Your Investment
As boats are valuable investments, you should get coverage to protect your boat against accidents on the water and inclement weather. Florida is notorious for its tropical storms. If you’re financing your boat, this insurance may be mandatory to protect your lender’s investment. Even if you own your boat outright, you’ll appreciate having financial assistance to make costly repairs when you need them most. With total loss replacement coverage, your boat will be replaced by your insurer if it is deemed a total loss due to damages received in an accident or storm.
By obtaining coverage for fuel spills or wreckage removal, your insurance will pay for the cleanup of fuel or oil leaks or salvaging your boat from the ocean floor if it’s destroyed in a storm. This can save you thousands of dollars in cleanup or salvage costs.
To learn more about the benefits of boat insurance along with coverage options and costs, contact us at Kingdom Tree Insurance Group in Tallahassee, FL.
Umbrella insurance is one available option you need to consider when it comes to protecting your property and other investments. The team at Kingdom Tree Insurance Group wants to help you understand what umbrella insurance covers, so whether you live in Tallahassee, FL or a neighboring community, you’ll know whether this is the right kind of insurance coverage for your needs.
Umbrella insurance extends additional liability coverage to most other items and property you might already have base coverage on. This includes your home, car, boat, and other policies. This way, should the liability of your base coverage exhaust, you’ll have the added liability insurance to protect you. Having such an insurance option is desirable as it protects you from extensive lawsuits, should someone attempt to take you to court over an injury.
Protection Against Legal Actions
There are a number of legal actions someone might attempt to take against you. Liability insurance helps provide you with the financial coverage for these claims, which can include slander, false arrest, libel, and liability coverage with regards to rental property.
With umbrella insurance, you’ll receive added coverage in the event of an injury taking place on your property (or from a vehicle you own), damage to property, personal liability situations, and from a handful of lawsuits regarding what your umbrella insurance covers. With umbrella insurance coverage, you decrease the financial liability you might need to pay out of pocket.
At Kingdom Tree Insurance Group, you have access to a number of insurance coverage options, including umbrella insurance. So if you live in or around Tallahassee, FL, you’ll have access to a number of coverage opportunities for you and your family. All you need to do to learn more is to give the team a call at your convenience.
A homeowner’s policy covers a lot of potential incidents, but one of the things it does not cover is floods. Many people think they are covered for a flood when they insure their home, but in reality, they need a separate policy for that event. By working with Kingdom Tree Insurance Group in Tallahassee, FL, you can make sure your property is protected from flooding and other types of problems, so you are not caught unaware by a natural disaster or related type of problem. But to get the right policy for your needs, it is essential to talk to a company and an agent you can trust and feel right about.
There are a lot of ways to keep your home safe from harm. While flood insurance is not the only way, it is definitely one of the ways that should be addressed. With the level of rainfall that the Tallahassee, FL area gets every year, flooding is a real possibility. Without proper flood coverage, you could be left with a big mess if a flood should affect your property. Relying on your homeowner’s policy to protect you is a mistake that some people make, but you do not have to be one of them. Instead, you can get the quality protection you need by making sure you have the right flood policy.
Reach out to us at Kingdom Tree Insurance Group today, and let us help you get the flood insurance policy you need to protect your home and investment. If you already have a flood policy, we can work with you to make sure it is the right one for your needs, as well. We are here to help, and we want to answer your questions so you can have peace of mind.
For those families and individuals that have more than one vehicle, here are some considerations for auto insurance.
The kind folks at Kingdom Tree Insurance Group, serving Tallahassee, FL and the nearby areas, recommend that you get started by making a spreadsheet of all the information about the vehicles.
Here is the information needed for each vehicle:
- Vehicle Identification Number (VIN): Each car has its own VIN. It will be listed on a metal plate that is usually located under the door, in the driver’s door-opening area, or on the driver side where the windshield meets the dashboard. Check your vehicle owner’s manual to find the exact location. If you do not have a manual, you can call the dealership or go online to find where the VIN is located for your vehicle’s make and model.
- Make, Model, Year: The make of the vehicle is the name of the manufacturer (such as Ford), the model is the brand name of the vehicle (such as Ranger), and the year is the issue year of the model.
- Mileage: Note the mileage shown on the odometer located on the dashboard.
- Lienholder: If there is a loan on the vehicle, this is the name of the lender along with the contact information for them that includes the mailing address, telephone number, and email address (if available).
- Specifics of the Vehicle: How and where is it stored? Does it have any anti-theft device or car alarm? How many miles per year is it usually driven? Is it used for a daily commute?
- Information about the Drivers: Name, DOB, age, and driver’s license of all drivers.
It is usually a better idea to insure all the vehicles using the same underwriter. If a vehicle is especially valuable, it may be a better idea to restrict the drivers in the family to the older, more mature persons. Any teen drivers will usually cause rates to be higher.
Bring all the information and make an appointment to get a quote from an agent at Kingdom Tree Insurance Group in Tallahassee, FL or submit the information online if that is more convenient.
Condos are a wonderful place to call home in Tallahassee, FL. Typically, condo communities come with a variety of perks, such as a community pool and fitness center, playgrounds, recreational centers, and more. No question that living in a condo is a popular choice, and that’s why it is important to protect your condo with condo insurance. Read on to learn about three reasons why you should have condo insurance in Tallahassee, FL.
1. Condo Insurance is Required by Your Lender
Just like a mortgage for a single family home, a condo mortgage is required by law to have condo insurance, otherwise, the bank will not lend you money to purchase a condo. The bank requires condo insurance to protect the asset on lien – your condo, in the event the asset is compromised.
2. Condo Insurance Covers Theft
If your condo is broken into by thieves who make off with your belongings, your condo insurance will help recoup the cost of the stolen items after you have paid the agreed upon deductible stated in your policy. It’s important to have a list of the items stolen along with their value to present to your insurance company for a claim.
3. Peace of Mind
Knowing that your condo is protected with condo insurance will give you the peace of mind you need to enjoy this valuable asset that you call home.
To learn more about buying condo insurance, contact the Kingdom Tree Insurance Group at 855-750-9942. The friendly insurance agents at Kingdom Tree Insurance Group will answer all of your questions about condo insurance and help you find the best policy for your needs and budget. Call today!
We’re always excited to see new homeowners from the gorgeous capital city of Tallahassee, FL! Since we began serving this area, Kingdom Tree Insurance Group often receives questions about basic home insurance coverage. We hope that this small guide will help all homeowners, new and old, understand what home insurance does and why it’s so important!
What is basic home insurance?
Basic home insurance gets its name from the "perils" typically listed as the most common threats to your home. These common or "basic" hazards are naturally the ones you would want to be insured against! That’s why a basic home insurance policy typically covers a wide range of events. There are three types of basic insurance called HO-1, HO-2, and HO-3. Most homeowners have an HO-3 type of policy, which offers the broadest range of basic perils to be insured against.
What does a basic home insurance policy cover?
When you purchase an HO-3 form policy, you will typically be insured for 16 types of threats against your home and property. Some examples of these "named perils" include:
- Fire, lightning, smoke, wind, and hail damage
- Vandalism, theft, civil commotion or rioting damage
- Vehicular or aircraft damage
- Falling objects
- Electrical current damages in appliances or household wiring
Many other perils may not be specifically listed on your policy that you will be covered for too! Most common hazards, unless specifically excluded by your homeowner’s policy, are usually covered. (This includes events such as volcano eruptions, something our friends in Tallahassee, FL thankfully don’t have to worry about much!)
Kingdom Tree Insurance Group understands that selecting home insurance can sometimes be confusing and stressful. That’s why we encourage you to bring us all of your insurance questions, big and small. Let’s work together to find the best policy to protect you and your home!
In past years whenever people mentioned sports, they usually meant team sports like football or baseball. These days, a sport can be a uniquely challenging and soul expanding endeavor that carries an enthusiast across the nation or even around the world. Whether you fly high or go spelunking down deep, you need insurance coverage that will have your back in case of an accident. Consult with our agents at Kingdom Tree Insurance Group, serving the communities around Tallahassee, FL, for the latest insurance policies offered by dependable insurance coverage providers.
Finding a Recreational Insurance Policy for your Lifestyle
Around Tallahassee, FL, the great outdoors beckons with hiking, camping, fishing, hang gliding, parasailing, diving, kayaking, and of course football and baseball which all attract enthusiasts from around the world. Your sports interests and its related equipment is an essential investment in your outdoor life, so take care of it with the coverage you can depend on. Certainly the unfortunate can happen, so be sure to carry reliable insurance that will help you get back into your game as soon as possible. When you visit us, we’ll ask you questions about your interests and inform you of the legal requirements that Florida has established so that you know what your choices are and how you can have adequate coverage.
It could take weeks of phone calls and multiple visits to insurance websites to find the coverage you need for your specific recreational activities. It can take an hour of your time with knowledgeable agents who can find what you need and get you signed up right away. With our access to all the latest policies, we can get you back onto the water or into the air before you know it. See us at Kingdom Tree Insurance Group in Tallahassee, FL today.