While it is not something that is commonly known, flood insurance is usually not included in home owner’s insurance. Because of this, some people think that they may have this type of coverage when they don’t. It is important to know exactly what is covered by your existing policies and if you do not know whether you have flood insurance or not, you need to take a look. If you do not have the coverage, the next step is determining if you need it. To help you make that decision, ask these questions from Kingdom Tree Insurance Group, serving Miami and Tallahassee, FL, about your home.
- Do you live in a flood zone? It is a good idea to find out what the flood risk is in your area. If you are in an area with moderate or high risk, then it is a smart idea to get some coverage.
- Do you live in an area that is prone to hurricanes? If you live in an area that is prone to hurricanes every year, then you are likely to get some flooding as well. With hurricanes come a lot of rain and it is best to have this protection in place.
- Does your mortgage lender require it? You should check to see if this is a requirement for your mortgage. If so, then it is a good idea to start pricing it out and get a policy so that you can ensure that you are remaining compliant with your lender’s policies.
Now that you know if it is a good idea, it is time to start getting quotes for coverage. Contact Kingdom Tree Insurance Group, serving Miami and Tallahassee, FL, to get started today and find the right policy for your needs.
When insuring your vehicle in Miami or Tallahassee, FL, you will be legally required to have certain insurance coverage. This will include property damage liability and, for people previously in crashes or who have committed certain offenses, bodily injury liability coverage. Personal injury protection is also a requirement because Florida is a no-fault state. Residents living in Florida can obtain additional insurance, these are a few of the options.
Rental Car Reimbursement
In the event of an accident, you may need to use a rental car while your vehicle is in the shop. Rental car reimbursement coverage will help you to cover these expenses, and this will likely be included in your policy if you carry comprehensive or collision coverage. An approved provider will bill your insurance provider directly, and a car rental company that is not pre-approved must be paid upfront by you and may be reimbursed at a later time.
Other Insurance Extras
Underinsured motorist coverage is available to pay for medical costs and property damage bills when you are involved in an accident with someone with inadequate coverage. Towing coverage can help with flat tires and mechanical problems. Roadside assistance coverage can jumpstart your car and provide other mechanical assistance. Also, full glass coverage is an important provision that will repair or replace your windshield when it is damaged or broken.
Kingdom Tree Insurance Group Can Help You
You can speak to one of our knowledgeable insurance agents about which auto insurance packages will best suit your needs, and you can get answers to any questions you may have regarding optional types of auto insurance. Kingdom Tree Insurance Group has experience serving the people in and around Tallahassee, FL and other neighboring states such as Alabama and Georgia. We look forward to working with you. Contact us today!
The list of hazards that houses may succumb to is simply endless, and the best way to mitigate the adverse effects they may cause is by getting condo insurance coverage. In Florida, with the previous storms and hurricanes sweeping the state, it is crucial to get insurance coverage. At Kingdom Tree Insurance Group in Tallahassee, FL, we understand how important it is to keep your family safe, and that is why we are here to help you with protection against disaster.
Acts of Nature and Unpredictable Weather
Bad weather, like the previous hurricanes and storms that grazed over Florida and other cities, are also a reason to make sure you seek out condo insurance. The costs involved in setting up a house, or taking up a mortgage for a condo is not only expensive but also time-consuming. Our agents can provide more information on how a condo policy is affected by storm damage while educating you further on the policy limits.
The sense of security and well-being:
If you have a toddler or a young child, then you know how important it is to keep them safe and warm at all times. Now imagine what would happen if anything happened to your house or condo? That will not only endanger your family’s life, but it will also give you sleepless nights wondering where and how to start all over again.
It is crucial to grab a condo insurance policy because of these factors, the needs of your condo, and your geographical location. If you are in Florida or Alabama, we can provide policies to protect your interests. We encourage you to drop in by our office or drop us a line. Take control of your condo and your family.
Homeowners in the state of Florida are not required by law to have homeowners insurance, but a mortgage lender will usually compel a homeowner to do so. Florida law does, however, require that insurance providers include a provision that covers wind damage caused by storms classified as hurricanes by the National Hurricane Center.
It is standard that a customer will have two deductibles, one for claims related to windstorm devastation and one for everything else. A client’s insurance claim can cover losses incurred within 72 hours after a declared hurricane’s status has been terminated, and a homeowner will not be compelled to pay more than one deductible per storm season.
The state of Florida affords insurance companies the use of reassurance programs to reimburse them for a portion of their losses during widespread disasters, and homeowners can avail themselves of free home inspections to determine their dwelling’s ability to withstand inclement weather. Inhabitants of Tallahassee FL can be eligible for discounts when they update their home with certain features designed to minimize the effects of high winds. These can include sealing the roof to add extra insulation, prevent leaks, to keep roof shingles from blowing away, and reinforcing load bearing walls to the roof to enhance the overall strength of the structure. Homeowners can also install hurricane-rated doors for their home and garage, and they can install storm shutters and shatter-proof windows.
Contact Kingdom Tree Insurance Agency
Kingdom Tree Insurance Agency in Tallahassee, FL has experience serving the residents in and around Florida, Alabama, and Georgia, and we provide a variety of insurance options suited to meet your needs. We invite you to stop by our office to discuss all your insurance requirements with our friendly agents. We look forward to hearing from you.