Express Insurance assists the Longwood, FL community through offering residents multiple types of insurance policies. We strive to help our clients find policies that align with their situation. As an independent insurance agency, we are committed to simplifying the process of searching for insurance for our clients.

Hidden Home Insurance Facts

As a homeowner in the Longwood, FL community, you’ll have the opportunity to enjoy warm weather and stunning views. However, it’s important that you protect your investment. Home insurance covers your property in the event of a natural disaster. You’ll also be covered if your personal items inside of your home are vandalized or stolen. Here are some hidden home insurance facts that you may not be aware of.

Your Appliances Are Covered

The policy covers your electrical appliances such as a refrigerator, laptop, and surround system if they break down. Your electrical appliances are also covered in the event that they are stolen.

You Are Covered While You Travel

If you are going on vacation, your personal items are still covered under your policy in the event that they are vandalized or stolen en route to your destination. However, if you are traveling with rare luxury items, you may need to amend your policy in order to cover those items.

Liability Coverage Extends To Nature

In the event that your tree cracks and falls on your neighbor’s property, you will be covered. The policy will protect you from being held responsible for potentially serious damages.

Falling Debris

Be aware that your home insurance policy covers your property in the rare event that your home is damaged by falling debris. This should give you peace of mind that the dent on your property is covered.

Express Insurance Will Assist You

For more information on home insurance, visit our website today!

Buying a home in Longwood, FL can seem like a dream come true. With its location in Central Florida, it is convenient to all the things that the greater Orlando area has to offer. Choosing the right home insurance for your home is one of the most important decisions you make when you become a homeowner. At Express Insurance our dedicated staff treats all of our customers like family and we want to make getting the perfect home insurance a totally painless process. 

To answer the question why do I need a home inventory you need to understand what a home inventory is and what it is used for. First, a home inventory is a listing of all your possessions. You may think that you don’t need a list or a video to remind you of what you own but I think once you make an inventory, you will be surprised at all the things that you have. Can you remember all of the holiday decorations that you have? Every piece of clothing and household items? Chances are you can’t. 

When something bad happens and bad things do happen even in lovely places like Longwood, FL, you will be asked to tell your insurer what they need to replace when you file a claim. You have to know the model of things like TVs and other electronics. You want to be able to replace what you had with something of equal value and quality. Your inventory, especially with receipts and photos attached will make the whole process go much smoother and quicker. It takes a little time to do an inventory but the potential benefit makes it worthwhile. 

When you are ready to talk about your home insurance needs give the experiences team at Express Insurance a call or stop by and let us give you a no-obligation quote as well as answering any questions you may have. 

There is no shortage of winter preparation tips that a Longwood, FL resident needs to remain aware of. With the help of Express Insurance, these potential issues can all be addressed in a timely manner. If you are in the process of getting your home ready for winter, it is time that you learned more about the role that your home insurance policy is going to play….

Safeguarding Against Weather Related Damages

A home insurance policy may offer the homeowner coverage against garden variety occurrences that are related to the weather. That is all well and good but an annual review is crucial. These reviews ensure that the homeowner receives the necessary protection from weather damages that their current policy may not have considered. Otherwise, they could be left holding the bag when storms and other issues arise.

Protecting Valuable Possessions

Perhaps the homeowner has made some new acquisitions since their policy was last renewed. If specific possessions have been acquired and the homeowner is looking to protect them, these are discussions that must be had. Any homeowner who makes the mistake of assuming that all of their possessions are going to be protected and/or replaced in the event of a storm or any other winter related calamity is sadly mistaken. 

Protecting Against Liability

A homeowner that does not properly maintain their residence and subjects visitors to various dangers is going to be held responsible for the results of these dangers. If they do not obtain the necessary liability coverage, they are placing themselves and their guests in harm’s way. Take the time to inquire about the proper coverage and amend your current policy as needed.

Looking for the proper assistance when it comes to home insurance policy? If so, Express Insurance is here to help any Longwood, FL resident with their questions and concerns. Take a moment to visit our website to find out more and be sure to schedule a consultation if you would like to discuss your policy review with an experienced professional. 

Home insurance may seem complicated and the language of insurance policies can be difficult to figure out. You can always work with your agent at Express Insurance, serving Longwood Fl and the surrounding communities, to ask questions and make sure you have adequate home insurance. It is helpful to understand the glossary of important common terms that are used in insurance policies for home insurance.

Here is a list of common terms in alphabetical order:

• Act of God (the legal term is “Force Majeure”) — Something that happens due to uncontrollable natural forces like an earthquake, tornado, or a hurricane.
• Claim — A request made for a loss covered by home insurance
• Deductible — The amount that must be paid first by an insured before the insurance company will pay on a claim.
• Endorsement (also called a “rider”) — This can add or reduce coverage. These are usually found at the end of the policy. They can change the terms contained in the first part of the policy. Read them carefully.
• Exclusion — Things that are not covered by insurance.
• Inflation protection — An automatic adjustment for inflation.
• Lapse — The policy stopped being in effect because premiums were not paid on time.
• Liability Coverage — Protects homeowners for other people’s injuries or property damage.
• Loss of Use — Coverage for the expenses of living somewhere else when the home is being repaired after a disaster.
• Perils — These are the risks. In a “named-peril” policy, the covered risks are listed. In an “all-peril” policy, every loss is covered except those caused by something on the list of exclusions.
• Personal Property — These are items that can be moved, like furniture, clothes, jewelry, appliances, and electronics.
• Replacement Cost — This is the current cost to have a new item that is equivalent to the one that was lost or damaged. It is not the actual value of an old item. It is the cost to buy a new one of the same kind.

Now that you understand some of the terminologies, it is time to ask your agent at Express Insurance in Longwood, FL for a home insurance review or a quote for new home insurance.

Call 407-215-7318 or use the online system to get a quote.

While condo ownership is similar to home ownership in a number of ways, there are a few key differences that need to be discussed. Each of these policies provides insurance for your living space but they are not one and the same. The responsibilities are the same and yet the insurance policies are not.

Longwood, FL residents who will be meeting with Express Insurance to discuss these policies would do well to educate themselves on the dissimilarities. Let’s take a closer look.

Personal Property Coverage

Personal belongings are the primary responsibility of any condo owner. The homeowner’s association insurance that you are going to purchase does not provide any coverage in this regard. Meanwhile, this is one of the few areas where homeowner’s insurance is relatively similar. A home or condo owner must make sure that their personal belongings remain protected.

Dwelling Coverage

Under a policy that is purchased for a condo, the owner will need to purchase just enough insurance to rebuild the interior if necessary. All of the exterior repairs are going to fall under the purview of your homeowner’s association insurance policy. On the other hand, a homeowner will need to make sure that they are purchasing enough insurance to handle any exterior repairs that become necessary over the long haul.

Liability Coverage

Condo owners must provide themselves with protection from visitor injuries. Homeowners will have to purchase the same protection but there are additional forms of protection that are required in these instances. A homeowner is not only responsible for an injury that takes place on their property, but they are also responsible for any accidents or incidents that occur on the land that surrounds their property.

To learn more about the differences between homeowner’s insurance, Longwood, FL residents should take the time to contact Express Insurance as soon as possible.

 

Undoubtedly, you see your pet as a furry (or scaly) part of your family. For insurance purposes, though, it’s not always that simple. As much as we love our pets, they are animals and they can do damage to both people and property. Before you go out and buy an exotic snake near Longwood, FL, it’s best to check with Express Insurance about whether or not it will be covered. There are a few factors to keep in mind in terms of pets and home insurance.

Property damage

When you decide to keep a pet on your property, you do so with the understanding that they could cause damage to your home. Whether it’s a dog chewing through drywall or a fish tank cracking and causing water damage, pets can pose a risk. Unfortunately, these types of damages are not typically covered by homeowners insurance. Keeping this in mind, consider taking steps, such as creating your dog while you’re away, to avoid damage.

Some animals are riskier

Sometimes certain dog breeds or exotic animals raise red flags for insurers. It may be beneficial for you to have proof of obedience school, vet records, proof of breed, and a “character witness” for your pet. All of these can help prove to your insurer that your pet is safe.

No pet is perfect

Unfortunately, dogs do bite and cats scratch. Liability insurance helps to cover you if someone is injured on your property. However, depending on your policy, this may not cover bites and other injuries resulting from your pets. Talk to Express Insurance to determine what your policy covers.

If you live in or around Longwood, FL and have questions about specific pets in your home, give us a call today.

Homeowner’s insurance can protect your Longwood, FL home against the risk of hurricane damage. By talking to an Express Insurance agent, you can get a better understanding of coverage options to protect your property. The more knowledgeable you are about home insurance and the benefits it has to offer, the better prepared you will be against any eventuality.

Protection of Home

As hurricanes are quite common for the Florida area, you should ensure your home insurance coverage includes storm, hail and wind damage along with such perils as theft, fire, and vandalism. Home insurance can help cover the cost of repairing your home’s roof, siding or windows in the event of a major storm. Home insurance can also cover damage caused by trees or other debris falling on your property.

Protection of Personal Belongings

If rain enters your home due to shattered windows or roof damage, your insurance can help pay for damage to personal goods such as furniture, clothing or appliances. Having an up to date inventory of personal goods will facilitate any claims you may have to make. A policy that provides for replacement costs of damaged goods makes it easier for you to recover your losses. Standard homeowner’s insurance also covers additional living expenses if you have to stay elsewhere while your home is being restored. 

Prepping Home against Hurricane Damage

Home insurance protects your property and personal goods whether you remain in place or evacuate your property due to a hurricane. If you plan to evacuate, prep your home before leaving by putting up storm shutters, securing patio furniture and storing plants, yard statues, etc., to minimize damage and protect your valuables.   

For more information on how homeowner’s insurance can protect your Longwood, FL home against hurricane damage, contact us at Express Insurance.