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

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Author: agentinsure

The Dangers of Central Florida Driving

Posted on by agentinsure

If you reside in Central Florida communities such as Maitland, Sanford, Lake Mary, or Longwood, FL, you’re well acquainted with the pleasures of driving in this region of the Sunshine State.

At Express Insurance, we frequently witness the difficulties of navigating our local roadways firsthand. Here are a few reasons why driving in this region can pose challenges.

Toll Roads are Abundant

Florida has the highest number of toll roads in the country. This can create unforeseen challenges when driving in and around toll zones.

Diverse Driving Population

Central Florida serves as a melting pot of drivers with varying driving styles from across the country and around the planet.

Adapting to New Express Lanes

We’re all still adapting to the best ways to utilize I-4’s new express lanes. While some people treat these lanes as if they’re without speed limits, it’s crucial to note that they aren’t.

Sudden Heavy Showers

Heavy tropical-style rain and windstorms can surface abruptly, causing disruption on the roads.

Flat Roadways with Poor Drainage

Central Florida’s roads are flat and have a slow drainage system, particularly following heavy rain. If drivers aren’t cautious, this can lead to water pooling and potential hydroplaning.

Unfamiliarity with Rental Cars

Many drivers navigate through using rental cars they’re not familiar with, which can lead to unpredictable driving behaviors, especially in inclement weather, heavy traffic, fog, or darkness.

Elderly Drivers

Florida remains a popular destination for American seniors to retire. While most drive safely, they may not always be in a rush.

It’s Not Just Your Perception

No, it’s not just in your head — Central Florida roads can indeed present formidable driving conditions and challenges. The best remedy is to ensure you’re adequately protected with car insurance from Express Insurance. We proudly serve the Longwood, FL community. Don’t forget to inquire about enhancing your coverage with uninsured motorist protection. Request a free, no-obligation quote today.

Umbrella Insurance Coverage for A New Business

Posted on by agentinsure

An umbrella insurance policy will provide extra coverage, protecting your new place of business from financial loss.

Scenarios

The following list highlights some items that an umbrella insurance policy would cover.

  • Legal expenses
  • Medical bills (hospital and doctor’s office visits)
  • Judgments and settlements
  • Property rehabilitation expenses

Optional Coverage

Umbrella insurance coverage is optional. An umbrella policy absorbs costs that standard insurance products don’t handle. As a new business owner, you may have decided to purchase some basic insurance products. The insurance products will protect your assets in most cases.

If you are ever faced with a legal battle, however, the basic insurance coverage you have obtained may not handle all the expenses you are responsible for. In this type of situation, umbrella insurance coverage would kick in and pay for the expenses that the primary business insurance doesn’t cover.

Risk Assessment

Performing a risk assessment may indicate whether obtaining an umbrella insurance policy would be wise. Your risk assessment should include evaluating your equipment and determining the likelihood of an accident occurring at your place of business.

If a large number of risks are uncovered during the assessment, you may decide to invest in an umbrella insurance policy.

For example, if potentially dangerous machinery or substances are used in your place of business, you may be concerned about injuries. This may persuade you to purchase an umbrella policy providing extra protection.

Contact Express Insurance

Contact one of our insurance agents serving Longwood, FL. At Express Insurance, you can review umbrella policies that will provide your new business with plenty of liability protection.

Is Renter’s Insurance Mandatory in Florida?

Posted on by agentinsure

You can benefit from renter’s insurance if you rent a home, condo, or apartment in Longwood, FL. Your landlord’s insurance doesn’t cover your personal belongings or protect you from liability claims if someone is accidentally injured on your rented property. A renter’s insurance policy from Express Insurance in Longwood, FL can do both and more to safeguard your assets.

Is Renter’s Insurance Mandatory in Florida?

No, it’s not – unless specified by your landlord. Otherwise, it’s up to every individual renter whether to purchase a policy or not. By weighing the pros and cons of this coverage, you can decide if it’s a good investment for you. As renter’s insurance is extremely affordable, we highly recommend this protection to renters in our local area.

Why Renter’s Insurance is Important

You can purchase renter’s insurance to protect your personal belongings from theft or disaster damage. Most policies cover common perils like storm damage, hail, fire, hurricanes, and other disasters. If you can imagine the damage that an unforeseen disaster can cause, you’ll have a greater appreciation for the protection a renter’s property insurance offers. 

Then, liability coverage protects you from accidental injuries on your rented property. Although family gatherings and dinner parties are a lot of fun, they also pose a greater risk of accidents in the house or yard. Renter’s liability insurance covers the costs of accidental injuries, so you don’t have to!

Lastly, suppose your rented home becomes unlivable due to disaster damage, and you have to move out while repairs are done. In that case, additional living expenses coverage helps pay for the cost of living elsewhere until you can return home.

Affordable Renter’s Insurance in Longwood, FL

For quality renter’s insurance coverage at an affordable cost, contact Express Insurance in Longwood, FL. We’re here to meet all your insurance needs.

Four Areas That Your HOA Considers Community Property

Posted on by agentinsure

As a condo owner, you’ll find that you have space that belongs to you as the owner and other spaces that are considered community property. With an HOA onsite, knowing what areas are considered community properties and covered by the HOA insurance costs you pay each month is important. Below are the areas that the HOA believes community property. 

1. Lobby or Foyer

When you first enter your condominium, you’ll enter a lobby or foyer before you find the stairs or elevators to the different condos. This area is a community space shared by all the condo owners and managed by the HOA. Any services that need to be done or maintained in this area are included with your HOA. 

2. Hallways

For large condos with multiple units in one hall, the hallway leading to each condo is considered community space and a part of the HOA. You may have rules about what you can have in the hallway and what items to leave out per your HOA. Any incident in this area must be claimed on the HOA insurance policy. 

3. Pool

One of the best things about some condos is the ability to share a nice pool. The HOA maintains the monthly funds each homeowner provides for expenses. They will oversee the chemical treatments for the pool and the maintenance in the area and ensure a fence surrounds the space so that only owners and guests can enter the pool area. 

4. Main Lawn 

While each condo may have a small patio in the square footage, the HOA shares and maintains the main lawn and green space. This governing body will ensure it stays maintained, groomed, and landscaped regularly for safety and aesthetics. 

If you want to purchase a condo in the Longwood, FL, area shortly, contact Express Insurance today for a personal quote. 

Two Great Reasons to Review Your Commercial Insurance Policy

Posted on by agentinsure

 It’s essential to review your commercial insurance at the start of each year—similarly, it’s crucial to reassess your other types of insurance, such as homeowners and car insurance. If you get your commercial insurance through Express Insurance, operating in Longwood, FL, we’d be delighted to assist you in determining whether your commercial insurance is suitable for your needs. Here are two compelling reasons to review your commercial insurance policy promptly.

1. Ensure Your Level of Coverage is Adequate.

Your business’s need for commercial insurance can fluctuate over time. As your business expands or scales down, switches sectors, acquires new equipment, attracts new clients, and begins servicing new areas—your insurance levels may require adjustments.

You might not be considering all the ways your insurance needs to evolve with each small change that occurs in your business. Therefore, the annual review process becomes doubly important.

2. Protect Your Business.

The primary objective of a commercial insurance policy is to shield your business from an array of financial risks. By adjusting your commercial insurance policy to guarantee it’s adequate for your needs, you’re taking steps to ensure your business’s financial protection.

As it’s the beginning of the year, it’s an excellent opportunity to reevaluate your commercial insurance policy. Spend time to safeguard your business. Review your commercial insurance policy with your insurance agent at Express Insurance in Longwood, FL. Our insurance professionals are here to help ensure you have the ideal levels of insurance tailored to your needs. 

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.