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Express Insurance

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

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When Must Prospective Homeowners Purchase Home Insurance?

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When you buy a home, it will represent your hopes and dreams for the future. Homeowners in the Longwood, FL area can learn about their home insurance options at our office. Our experienced team at Express Insurance will help you decide on a home insurance policy that will meet your needs and fit your budget. We’ve been providing service for Florida homeowners like you since 2007.

When Must Prospective Homeowners Purchase Home Insurance?

According to the Bray Law Offices, the state of Florida doesn’t mandate the purchase of home insurance. However, most mortgage brokers will require you to buy home insurance before they agree to provide you with home financing. If you decline to buy home insurance despite the mortgage broker’s request, the lender has the right to buy home insurance on your behalf. This type of transaction will result in the purchase of a “forced-place policy,” and, if this occurs, the buyer will be required to pay the policy premiums for that policy.  

Despite its lack of legal mandate for home insurance, Florida has issued clear directives on which types of home insurance coverage should, ideally, be purchased. According to Wawanesa, when you buy home insurance, the policy must be purchased within three days of the closing. The same website further recommends you get your home insurance at the same time you sign your home contract.

Call Us for Your Appointment Today 

No one can predict when a disaster might strike and cause damage to your home. Our team at Express Insurance can help you find a policy that will help you to be as prepared as possible for future disasters. Homeowners near Longwood, FL have realized they can rely on our team for excellent customer service. Call us today for your appointment to discuss home insurance. 

Do I Need a Separate Policy for My Teenager Who Drives My Car?

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Families in Longwood, FL, with teen drivers often want to understand how auto insurance works and when their teens can safely and legally drive the family vehicle. If you are preparing for this transition, the agents at Express Insurance can provide the guidance you need.

Teen Insurance Coverage in Florida

There are two main situations to consider when a teen begins driving: when they hold a learner permit and when they obtain a Florida driver’s license.

Learner Permits

Teens aged 15 to 17 who complete state requirements and pass the knowledge exam receive a learner’s permit. Once that happens, the parent or guardian whose vehicle the teen will be driving must notify their auto insurance company. The teen must be listed on the parent or guardian’s policy before they drive. A separate insurance policy is not required for a learner’s permit.

Teens With a Florida Driver’s License

Once a teen receives a Florida driver’s license, the parent or guardian must notify their insurance company so the new driver can be added to the policy. Failing to add the driver can lead to coverage issues, including possible policy cancellation.

Adding a licensed teen driver may increase the premium, but ask us about available discounts that may help reduce the cost. A separate policy is required only if the teen owns a vehicle registered and titled in their own name.

Contact Express Insurance

If you are preparing your teen to drive in Longwood, FL, contact Express Insurance. We can help ensure your teen is properly covered and help you navigate any questions during the process.

What Are the Most Common Florida Workplace Injuries?

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If you’re a Florida business owner, purchasing commercial insurance is essential. Many business owners in Florida prefer working with an experienced insurance company to ensure they choose the right coverage. If your business is located in Longwood, FL, our team at Express Insurance is here to assist you. We’ve been proudly serving businesses like yours since 2007.

What Are the Most Common Florida Workplace Injuries?

When planning your annual employee education sessions, it’s important to include a discussion about your workers’ compensation plan. While covering workers’ compensation, you should also address how to prevent the most common workplace injuries. According to Florida attorney Adam Baron, P.A., the most frequent workplace injuries in Florida are slips, trips, and falls. These incidents often occur due to wet floors, improper footwear, or uneven surfaces.

In addition to slips and falls, repetitive motion injuries, such as carpal tunnel syndrome, are common among Florida employees. Proper training on workplace equipment and machinery is crucial to prevent injuries. Construction workers, in particular, face a higher risk of injuries due to falls from scaffolding or accidents involving construction tools.

Call Us Today for Your Appointment

Workers’ compensation insurance is just one of the many types of coverage you need for your business. At Express Insurance, we take the time to explain all the necessary types of commercial insurance to ensure your business is fully protected. Companies in the Longwood, FL, area trust our team to answer their insurance questions and provide reliable guidance. Contact us today to schedule an appointment and let us help you safeguard your business.

What if You Let Your Home Insurance Lapse?

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Home insurance usually isn’t something people think about day to day, until it suddenly isn’t there. In Florida, letting coverage lapse can create issues quickly, even if everything seems fine at first. Between state requirements, lender rules, and the realities of Florida weather, gaps in home insurance through Express Insurance, serving Longwood, FL, matters more than people expect.

What a Lapse Really Means

When home insurance lapses, coverage stops completely. There’s no grace period once it’s inactive. If damage happens during that window, even briefly, it’s generally treated as uninsured. In Florida, that’s especially important because storms, wind, and heavy rain can cause damage that isn’t always obvious right away.

Why Timing Becomes a Big Deal

Florida insurers pay close attention to when damage likely started. Roof issues, water intrusion, and wind-related problems can develop gradually. If an inspection later suggests the damage began while coverage was inactive, that timing can affect how a claim is handled, even if the problem wasn’t noticed until much later.

Mortgage Requirements Still Apply

Most Florida mortgages require continuous home insurance. If coverage lapses, the lender may take action to protect the property itself. That protection is focused on the structure, not the homeowner’s belongings or personal liability. Once this happens, homeowners often have less control over how issues are resolved.

Complications Beyond Claims

A lapse can also cause friction during refinancing, selling a home, or completing post-storm inspections. Gaps in insurance history tend to raise questions and can slow down processes that normally move faster.

For Florida homeowners, keeping coverage active isn’t just about checking a box. It helps avoid unnecessary disputes, delays, and stress when something unexpected happens. Staying aware of your policy status can make a meaningful difference when timing matters most. Contact us here at Express Insurance, serving Longwood, FL, to learn more.

Does Auto Insurance Cover all Passengers in the Vehicle?

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There is a common assumption that auto insurance covers the vehicle, the driver and anything damaged in a collision. However, some also assume all passengers are covered. Is that the case for Longwood, FL car accidents? Express Insurance has the inside scoop.

Auto Insurance and Passengers

In the end, the extent of coverage hinges on the details of the auto insurance policy. Some auto insurance policies are minimalist while others are more comprehensive.

Liability insurance is included to safeguard the auto insurance policyholder against potential lawsuits filed by those injured in the crash. The logic is that the policyholder should not bear the burden of financial loss for damages relating to personal injury resulting from a car crash.

Liability coverage typically includes core components of bodily injury liability and property damage liability. Bodily injury liability is available to cover the potentially significant costs of medical care, rehab and related legal fees.

In contrast, property damage liability is applicable to the cost of repairing property. 

Coverage Beyond Liability Protection

Auto insurance of the PIP variety extends past conventional liability coverage. PIP is an acronym short for personal injury protection. PIP constitutes coverage for damages no matter which party is at fault.

PIP guarantees those injured in automobile accidents are provided with meaningful and timely financial compensation. That compensation is used for causally related medical bills and related expenses.

Additional Coverage

Passengers also have the potential to receive coverage through underinsured or uninsured coverages. Such coverage is applicable when the driver at fault has no insurance or insufficient insurance.

MedPay, short for medical payments, is also available. This form of protection covers bills in the aftermath of a car accident. MedPay is available for both passengers and drivers.

Express Insurance Is Here for You

Contact our insurance team today for a quote. We serve the entirety of Longwood, FL and nearby areas.

Stay Compliant by Having the Right Commercial Insurance

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There are types of commercial insurance that are required for certain Florida businesses and many more that are often recommended but not required. It’s important to stay compliant with the law and get the types you are required to have. Florida has specific rules about which types of businesses are required to have certain commercial insurance policies. To stay compliant, you can contact us to get started. Call us today at Express Insurance, serving Longwood, FL, to find out more.

Commercial Auto Insurance

In Florida, every vehicle that is owned by a company is required to have commercial auto insurance. This isn’t the same as a personal policy, and a personal policy likely wouldn’t pay out if a personal vehicle is used for work. There are specific amounts of liability coverage that are required for these policies, with both bodily injury liability and property damage liability being required. It’s also a good idea to get comprehensive and collision insurance so that you are better protected and can have your own damages taken care of.

Workers’ Compensation Insurance

This is another type of insurance that is required of Florida businesses. These policies pay for the medical bills of employees injured at work as well as their legal costs, disability payments, ongoing therapies, and their lost wages. Any employee can have an accident, and they can be extremely expensive.

Get Commercial Insurance

If you don’t have the policies you need to stay legally compliant, don’t wait any longer to get the policies you need. You can contact us at Express Insurance, serving the Longwood, FL area.

 

After a Disaster: What if You Must Relocate?

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Buying a home is a big investment, and you’ll want to protect it. The best way to protect your house is to purchase home insurance. If your home is near Longwood, FL, our team at Express Insurance can help you find the right home insurance policy for your needs. We’ve been working with Florida homeowners like you since 2007.

After a Disaster: What Happens If You Must Relocate?

If your home is significantly damaged due to a disaster, you may need to stay somewhere else temporarily. According to the Florida Department of Financial Services, this situation is covered by a part of your home insurance called Additional Living Expenses. After a disaster, a civil official may declare that entering your home is unsafe. In such cases, the Additional Living Expense clause can help cover some of the costs you’ll incur while you’re unable to live in your home.

These funds can be used to pay for alternate housing, meals you must purchase because you can’t cook at home, and even the storage of your furniture or other belongings during house repairs. However, it’s important to note that there is likely a maximum amount available for these expenses, as outlined in your policy.

Call Us for Your Appointment Today

When you’re buying a home, finding the funds to purchase home insurance may seem like an unnecessary expense. However, our team at Express Insurance can help you understand why it’s essential to protect your investment. Clients in the Longwood, FL area have learned they can trust us with their insurance needs. Call us for an appointment today, and we’ll help you safeguard your home and your future.

Does Auto Insurance Cover Passenger Injuries?

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Auto insurance provides coverage for bodily injury to the driver, property damage, and more. But what happens if a passenger in your vehicle is injured? Your friend likely doesn’t want to sue you for medical bills. Fortunately, there are other options available for passengers in Longwood, FL.

At-Fault Driver

Florida is a no-fault state, meaning that typically, both drivers are required to carry Personal Injury Protection (PIP) and pay for their own medical bills. However, if an injury is severe, a passenger or driver can sue the at-fault driver for medical bills, lost wages, and other damages. To sue for non-economic damages, the injury must meet the threshold set by Florida law. The injury must:

  • Be permanent
  • Be fatal
  • Cause severe disfigurement
  • Result in a loss of bodily function
  • Cause permanent scarring

In cases of severe injury, it is the at-fault driver’s responsibility to cover the losses. Agents at Express Insurance can provide more information about these situations.

Personal Injury Protection (PIP)

Florida law requires all drivers to carry Personal Injury Protection with a minimum limit of $10,000. PIP is designed to cover 80% of medical bills and 60% of lost wages. However, to file a claim, you must seek medical attention within 14 days of the accident.

A passenger in a vehicle can file a claim with the driver’s insurance company to access PIP payments for medical bills and potentially lost wages.

Uninsured Driver Coverage

Although Florida law mandates insurance coverage, some drivers either lack insurance or don’t have enough coverage to pay for medical bills for passengers. If the at-fault driver does not have sufficient insurance, the passenger in your vehicle may not benefit from suing them for severe injuries. In this case, the passenger can file a claim under your uninsured driver coverage to receive compensation.

Navigating the complexities of car accidents in a no-fault state can be challenging, especially when multiple people are involved. Professional agents at Express Insurance are here to help. Contact us today to learn more. We proudly serve the Longwood, FL, area.

Commercial Insurance Trends for 2025

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When you own a business, one of your key responsibilities is securing commercial insurance to protect your assets and operations. Many business owners have questions about the best insurance options for their needs. If your business is located near Longwood, FL, our team at Express Insurance is here to help. Since 2007, we’ve been proudly serving Florida businesses like yours, offering expert guidance and tailored insurance solutions.

Commercial Insurance Trends for 2025

Experienced business owners often explore new options to enhance their insurance portfolios. Industry experts have identified several trends shaping the commercial insurance landscape in 2025. One significant trend is “social inflation,” which refers to the rising costs of jury awards and the broader definition of liability. According to Gallagher Industries, this trend is driving higher lawsuit payouts and contributing to increased insurance premium prices.

Another factor impacting business costs across all sectors is the growing number of supply chain disruptions. These disruptions are creating challenges for businesses and influencing insurance coverage needs.

Additionally, artificial intelligence (AI) is emerging as a transformative force in the commercial insurance industry. AI is enhancing efficiency, streamlining problem-solving, and revolutionizing marketing strategies. However, it also introduces new risks. Companies leveraging AI technology may face increased vulnerability to cyberattacks, copyright infringement, and deceptive trade practices. While AI can help businesses innovate and grow, cybercriminals can use the same technology to undermine progress. Staying ahead of these risks is crucial for protecting your business.

Call Us Today for Your Appointment

At Express Insurance, we understand the importance of finding affordable and effective insurance solutions quickly. Our name reflects our commitment to providing timely and responsive service. Businesses in the Longwood, FL, area trust us for excellent client support and personalized insurance guidance. Contact us today to schedule an appointment and let us help you protect your business assets with confidence.

Preparing Your Home for Storm Season: A Safety Checklist

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Storm season can catch homeowners off guard, especially in Longwood, FL, where summer weather often brings heavy rains, high winds, and the occasional hurricane warning. At Express Insurance, we understand the importance of protecting what matters most—your home and your peace of mind. That’s why we’ve created this simple guide to help you get your home storm-ready before the clouds roll in.

Start With the Outside

Your home’s first line of defense is its exterior. Walk around your property and secure loose items, such as patio furniture, garden tools, or decorations, as these can become dangerous projectiles in high winds. Trim overhanging tree branches and clear your gutters of leaves and debris to ensure rainwater flows freely.

Inspect your roof for missing or damaged shingles and repair them promptly. Even a small damaged area can lead to costly leaks during heavy rain. Additionally, check your windows and doors—consider installing storm shutters or using plywood to reinforce them if a significant storm is forecasted.

Secure the Inside

Within your home, ensure that your emergency supplies are easily accessible. Flashlights, batteries, bottled water, and a first-aid kit should all be readily available. Back up important documents and store them in a waterproof container along with your insurance policy.

Review your home insurance coverage to ensure it meets your current needs. Storm damage can be unpredictable, and having the right coverage in place is essential for a quick recovery.

Don’t Wait Until It’s Too Late

Storms won’t wait, and neither should you. Contact Express Insurance in Longwood, FL today to review your policy or get a quote. Let us help you protect your home before the next storm hits.