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Express Insurance

710 Miami Springs Dr., Suite 120
Longwood, FL 32779

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Unique types of insurance come with home insurance in Florida?

Posted on by agentinsure

Owning a home can be a great option in the Longwood, FL, area. If you want to purchase a home in this area, you should also consider all your insurance options and needs. For those in this part of the state, there are some unique types of coverage and options to consider that could appropriately cover your home. 

Coverage for Natural Disasters

One of the risks of owning a home in Florida is the risk of natural disasters. Some of the most common natural disasters that need to be protected against here include hurricanes, floods, and sinkholes. If your home is affected by these risks, the remediation costs can be significant. Fortunately, there are specific policies and riders you can receive that will ensure you are protected against these risks in the state of Florida. 

Temporary Housing

Another type of coverage that you can receive here is temporary housing insurance. If your home has been damaged due to a hurricane, flood, sinkhole, or other type of peril, there is a chance you will need to rebuild your property completely. This can take a very long time. When you have a home insurance policy, it will offer support to cover your temporary housing expenses while the work is being done. 

Home insurance is always a good option for those in the Longwood, FL, area. If you want this coverage and want to know more about your options, call our Express Insurance team. Our professionals with Express Insurance will help ensure you can build a quality plan that meets your needs and keeps you and your home protected throughout your plan’s term. 

Questions You Should Ask When Looking For Auto Insurance

Posted on by agentinsure

Are you a driver and own a car? Then, you should understand and remember that having auto insurance is the most critical component of auto ownership. Car insurance is not a luxury and not a preference. It is required in almost all US states, including Florida. Driving without car insurance is highly unsafe – it is also illegal and leads to certain consequences, including fines. Therefore, be careful when shopping for auto insurance. You may also need the help of experts. In this blog post, you will find questions you should ask an agent when shopping for car insurance. 

What is the cost of my insurance?

It is a crucial question because the cost of auto insurance varies. Also, certain factors determine it. These factors are your driving experience, previous fines or penalties, the car’s model, age, and more.

Can standard car insurance be used for business purposes? 

No, you cannot do that. If you have your own business and vehicles for commercial purposes, you must have separate commercial auto insurance.

What exactly will my policy cover?

Always review the policy with an insurance agent and ask this question. Then, think about any extra coverage you may want to add. 

Finding proper auto insurance is a serious task. It is more serious if you have never had auto insurance before. That is why you may need to reach out to experts and ask them to help you find the policy you need. At Express Insurance, auto insurance is one of our primary specializations. Do not hesitate to contact Express Insurance located in Longwood, FL, and ask any questions – our team of insurance experts is always here for you.

 

 

What is the most important kind of commercial insurance to have in Longwood, FL?

Posted on by agentinsure

There are so many kinds of commercial insurance that it can be confusing. You don’t want to pay for insurance you don’t need, but you can’t afford to go without necessary insurance to protect your interests. Express Insurance can help you explore your options to decide which kinds of commercial insurance you need to protect your Longwood, FL business.

General Liability Insurance

Considered the most basic kind of insurance, your general liability policy will protect you from standard risks, such as when customers are injured. Liability insurance also covers property damage your business is responsible for and torts like libel. If you have a commercial lease, you may already be required to have general liability coverage.

Worker’s Compensation Insurance

If your Longwood, FL business has at least four employees, you are legally required to carry workers’ compensation insurance. However, you may still choose to carry this insurance even if you are a sole proprietor because it can cover injuries to you that regular health insurance may deny.

Commercial Auto Insurance

If your Longwood, FL business uses any autos or trucks in the course of business, you need commercial auto protection. Your regular auto insurance will not cover any claims for accidents that occurred to work vehicles or during the course of business.

Umbrella Insurance

An umbrella policy adds extra protection to all your other commercial insurance policies.

Other Kinds Of Commercial Insurance

There are several other kinds of commercial insurance, such as business closure insurance and professional liability insurance. Every business is different, and your business has its own unique needs. If you want to explore your options commercial insurance options, please call Express Insurance today.

Some of the Most Common Disasters That Can Threaten Your Home

Posted on by agentinsure

Homes are often a family’s most valuable investment. Unfortunately, however, you may find that natural disasters threaten your home. Thankfully, you can take out home insurance policies to cover many events. That said, it is crucial to study each policy as not every natural disaster may be covered. Let’s look at some natural disasters you should watch out for as a homeowner. Contact Express Insurance, serving Longwood, FL, if you have questions.

Hurricanes

In Florida, hurricanes are perhaps the most well-known natural disaster. These powerful storms can impact entire communities and regions. If you own a home in Florida, preparing for hurricanes is essential. That includes taking out the right insurance policies.

Wildfires

Wildfires can also cause widespread devastation. If a wildfire has broken out near your home, it’s important to prioritize safety. These natural disasters can prove especially deadly and often very unpredictable.

Tornadoes and Water Sprouts

While Florida doesn’t experience as many tornadoes as other parts of the country, these weather events are still a grave threat. Unfortunately, if a tornado strikes your house, it could quickly be destroyed. You may also lose vehicles and other pieces of property.

Floods

Many Floridians are familiar with floods. Floods are common since Florida is a low-lying state surrounded by oceans and is regularly hit with powerful storms. For better or worse, however, damage caused by flooding may not be covered by your standard homeowner’s insurance plan. Fortunately, it may be possible to acquire coverage by taking out a separate flood insurance policy.

Ultimately, natural disasters can be devastating. Fortunately, the right home insurance policies can provide protection if you live in or near Longwood, FL. Contact Express Insurance to discuss policy options.

What is the value of having an auto insurance plan in Longwood?

Posted on by agentinsure

Owning a car is essential for anyone in the Longwood, FL area. When you own a car here, you want to ensure that you follow all rules and protect the vehicle as well as you can. This can be done with a proper auto insurance plan. Various types of value and benefits come when you invest in a quality auto insurance policy in this part of the state. 

Protect Your Vehicle

A car is one of the most expensive and important items you will ever acquire. Today, vehicles can cost tens of thousands of dollars. Because of this, you will want to ensure that your investment and assets are always covered. If you get a full comprehensive insurance plan for it, you will have support if the vehicle is stolen or involved in an accident resulting in damages.

Liability Support

Another advantage of having this type of insurance is that you will receive liability support. Any car owner should be aware that there is always a chance they could cause an accident. If you are at fault, it will be vital that you pay restitution to the other party. If you are adequately insured with auto insurance coverage, you will have the financial support to handle these claims.

If you buy a car in the Longwood, FL area, you will want to be assured that you get the right insurance plan. If you are looking for an auto insurance plan here, call our Express Insurance team. There are a lot of important choices to make when looking for coverage, and Express Insurance will ensure you remain adequately supported at all times. 

Do Kiosks Need Commercial Insurance?

Posted on by agentinsure

If you own a business, you’ll need adequate Commercial Insurance coverage. Protecting your investment is essential whether you own a large company or a small kiosk. Express Insurance can assist the business owners of Longwood, FL, with their mission to secure adequate insurance coverage.

Kiosk Insurance Coverage 

A kiosk is a business that relies on its inventory to make a profit. Kiosks need adequate Insurance protection that covers inventory and the kiosk itself, along with any other relevant items used for business purposes. If you want assistance finding the right insurance coverage for your kiosk, our insurance agents can help.

They can carefully assess your specific situation and make insurance policy recommendations that meet those needs. They can also explain the terms and conditions of each policy to help ensure it matches your goals and business coverage needs.

Once you select your insurance policy, your insurance agent will work with you to submit the information and documents necessary to obtain your coverage immediately. Additionally, our agents are here to support you with any changes to your policy or claim submissions you may have in the future. It’s all a part of our commitment to exceptional customer service.

Learn More Today 

The right insurance can mean the difference between business success and total loss. Please call or stop by the office of Express Insurance today to learn more about our various products and services. We proudly work with the residents of Longwood, FL, to help them secure Insurance protection that gives them peace of mind and limits risk. Reach out to us today to find out how we can work together to secure your kiosk business and provide peace of mind.

What Are the Insurance Risks When You Work From Home?

Posted on by agentinsure

For those who work from home, it is essential to understand the risks that may be present – but not covered under a traditional homeowner’s insurance policy. The insurance professionals at Express Insurance, serving the greater Longwood, FL vicinity, offer their guidance regarding the insurance risks when working from home.

What Are the Risks When You Work From Home?

Working from home, if you work for another company (and not for yourself), creates unique risks because, from a technical perspective, you are on your own property working for a separate company. Each employer determines the specific protocols for at-work employees and business-related activities, so it is important to understand how and if you will be compensated should something happen.

First, if you have one, check your current renter’s or homeowner’s policy to see if there are exclusions related to business activities. Then consider these potential situations –

  • If a business client is injured on your property, you should have sufficient liability or consider adding a rider or additional coverage.
  • Business Equipment/Property can be expensive, so ensure you have insurance coverage should there be a loss.
  • Depending on the work, the following types of policies may be a smart business move –
    • An Errors & Omissions Insurance policy can protect you from issues regarding your professional services.
    • Cybersecurity/Data Breach insurance covers cyber-attacks or other issues that may occur with possessing sensitive information digitally.

Contact a Leading Longwood, FL Insurance Company Today

For additional information and other potential coverage options while working from home, contact the licensed professional at Express Insurance. We can be reached online or at 407-215-7318 and look forward to helping you protect what matter most.

Why should I get an auto insurance plan for my Florida vehicle?

Posted on by agentinsure

If you are living in the Longwood, FL area, you will likely find that owning a car is a smart idea. When you own or lease a vehicle here, you must ensure you have proper insurance. There are multiple reasons why someone in this part of Florida will need to get an auto plan here. 

Protect Your Vehicle

An important reason to have an auto plan when you are in this part of Florida is so you can protect your vehicle. All car owners in this part of the state will want to be assured that their investment is adequately covered and supported. A great way this can be done is by getting auto insurance. If you have a full plan, it will help you if you are a theft or accident damage victim. 

Minimize Liability Risks

Getting auto coverage to minimize your liability risks is also a good idea. All people who drive a car will take on the risk that they could cause an accident when behind the wheel. Because of this, it is essential that you carry the proper insurance to reduce this risk. If you have liability coverage, it will give support if you are found liable for an accident on the road. 

Anyone who owns a car in the Longwood, FL area needs to ensure they get proper insurance for it. Today, there are a lot of choices to make when looking for auto coverage, and our team with Express Insurance can help ensure you select the right plan. Our professionals at Express Insurance take a customized approach to help you evaluate your options and needs to ensure you remain adequately covered. 

Umbrella Insurance for Non-Profit Organizations in Longwood, FL: Protecting Your Mission

Posted on by agentinsure

As a non-profit organization in Longwood, FL, your mission is at the core of everything you do. Protecting that mission and your organization’s assets should be a top priority. This is where umbrella insurance comes in. At Express Insurance, we understand non-profits’ unique risks and can help you find the right policy to protect your organization.

The Importance of Umbrella Insurance for Non-Profits

Umbrella insurance provides an extra layer of protection for your organization beyond your standard liability coverage. If a catastrophic event occurs, such as a lawsuit or property damage claim exceeding your current coverage limits, umbrella insurance can help bridge the gap and prevent your organization from financial ruin.

Examples of How Umbrella Insurance Can Help

Consider this hypothetical scenario: A non-profit organization hosts a fundraising event, and a volunteer accidentally injures a guest. The guest files a lawsuit seeking $1 million in damages, which exceeds the organization’s liability coverage limit of $500,000. Without umbrella insurance, the organization could be forced to pay the remaining $500,000 out of its own pocket, potentially jeopardizing its financial stability and mission. Umbrella insurance can help cover the remaining costs, protecting the organization’s assets and ability to continue its work.

Working with Express Insurance

We understand the specific needs of non-profit organizations in Longwood, FL. Our experienced agents can help you find the right umbrella insurance policy to meet your organization’s unique needs and budget. We are committed to providing personalized service and ensuring you have the coverage you need to protect your mission and assets. Contact us today to learn more about our umbrella insurance options and to receive a quote.

What Are Some of the Lesser Known Benefits of Renters Insurance?

Posted on by agentinsure

Renters insurance helps to protect the property you store in a rental home in case of fire, flooding, or theft. However, while this is the most significant benefit that most people know about regarding renters insurance, it is not the only benefit. Here at Express Insurance, serving the greater Longwood, FL area, we want to help you learn more about the lesser-known benefits of renters insurance. 

Living Costs If Your Rental is Uninhabitable

If your rental home becomes uninhabitable, your renters’ insurance policy will help cover the costs for a safe and inhabitable place to live. If your rental is only uninhabitable for a short period, the rental policy may cover the cost of a hotel room. Suppose your rental home is unavailable for a prolonged period. In that case, the rental policy may cover the difference between a short or long-term rental and your rental expenses at your rental home. 

Legal Expenses If You’re Sued

If someone is injured in your rental home, they may try to come after you. Your renters’ insurance policy covers medical expenses if someone is injured in your rental space and legal expenses if you are sued by someone injured in your rented space. 

Off-Premise Coverage for Belongings

The final benefit of renters’ insurance is its off-premise coverage for your belongings. For example, if you go on a trip and belongings get stolen from your hotel room, your renters’ insurance policy will cover that loss. 

Renters’ insurance covers many different types of events and has many benefits that most people are unfamiliar with. If you are looking to purchase a renters’ insurance policy in the greater Longwood, FL area, let Express Insurance help. Call us now to get started.