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Express Insurance

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

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Author: agentinsure

Do I Need Full Coverage Auto Insurance Without a Car Loan?

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If you’re a driver in Longwood, FL, you know that auto insurance is required by law. But if you don’t have a car loan, do you need full coverage car insurance? Let’s break this question down and see how Express Insurance can help you get the protection you need.

Types of Auto Insurance Coverage

When it comes to auto insurance, there are usually three main types of coverage. Liability coverage is the most basic type; it covers third-party damages caused by an accident for which you are at fault. This can include medical expenses and property damage claims for the other driver or drivers involved in the accident. Comprehensive coverage protects against non-collision events such as theft, fire, and damage caused by a collision with another vehicle or object. Finally, collision coverage pays for repairs to your vehicle after an accident.

Do I Need Full Coverage Auto Insurance Without a Car Loan?

If you own your car outright without any loans or leases, it is up to you whether or not you choose to get full coverage auto insurance. While there are certainly benefits to having full coverage—such as being able to repair or replace your vehicle if it is damaged—it may not be necessary if your car has little value or if you plan on replacing it soon anyway. That being said, even if you don’t need full coverage, liability insurance is still mandatory in most states, so make sure that your policy includes that type of protection at least.

Whether or not you need full coverage auto insurance in Longwood, FL, without a car loan depends on your particular situation and needs. If you have questions about what type of auto insurance is right for you, contact Express Insurance today! We can help answer your questions and find the right policy for your needs and budget quickly and easily.

Four Common Areas Not Covered by Commercial Insurance

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Investing in commercial insurance is one of the most important things to ensure your business stands the test of time. Purchasing the right insurance means your employees, business assets, and other facets of your business are well-covered. However, it’s worth noting that your commercial insurance doesn’t cover all business risks. Express Insurance in Longwood, FL highlights common risks not covered by business insurance.

Flooding

While commercial insurance covers some types of water damage, it excludes overland flooding. The good news is that you can protect your business against floods by investing in flood insurance from NFIP or private insurance companies. Flood insurance covers damage to your business premises and the contents inside.

Earthquakes

Most business insurance policies exclude damage caused by sinkholes, landslides, and other movements. Such calamities can affect many businesses, leading to significant losses during compensation. Most insurance companies don’t want to provide blanket coverage. The good news is that you can purchase earthquake insurance to protect your business against earth movement.

Damage caused by maintenance issues

Has your business premise been ravaged by mold or pest infestation? Are your business computers acting up because of delayed servicing? You can’t claim damage resulting from poor maintenance from your insurer. Your insurance company expects you to maintain your assets, excluding related damage from your policy.

Commercial auto damage

While you may have commercial property insurance, you should know it doesn’t cover damage to your commercial vehicles. However, you can protect your business vehicles by investing in commercial auto insurance. This insurance policy protects your vehicle and its occupants when accidents occur.

Protect your business with commercial insurance

Would you like to learn more about your business insurance? Looking for affordable commercial insurance in Longwood, FL? Please get in touch with Express Insurance for all your commercial insurance solutions.  

Protecting Your Home with homeowner’s Insurance in Florida

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As a homeowner, you must do everything you can to protect your investments. That’s why carrying homeowner’s insurance is so important. A policy from Express Insurance can help you financially in a disaster, whether it’s a fire, severe weather damage, or even theft.

Covered Events

One of the most important things about your homeowner’s insurance policy is what events are covered. Most policies will cover damage from fires, severe weather, and theft. However, there are some exclusions that you should be aware of. For example, most policies will not cover flooding or earthquake damage. That’s why it’s so important to read your policy carefully and understand what is and isn’t covered before you need to file a claim.

Deductibles

Another essential thing to know about your homeowner’s insurance policy is your deductible. You’ll need to pay an out-of-pocket amount before your insurance company steps in and covers the rest. Remember that having a higher deductible will usually result in a lower premium, so it’s a trade-off you’ll need to consider when choosing your policy.

Replacement Cost vs. Actual Cash Value

When shopping for homeowner’s insurance, you’ll also need to decide between replacement cost coverage and actual cash value coverage. Replacement cost coverage will reimburse you for the cost of repairing or replacing your home up to the limit of your policy, regardless of its current value. Actual cash value coverage, on the other hand, will reimburse you for the current market value of your home—which may be less than what it would cost to repair or replace it.

As a homeowner, carrying adequate insurance in Longwood, FL is one of the best ways to protect your investment. A policy from Express Insurance can help you financially if disaster strikes by covering damages from events like fires, severe weather, and theft—up to your policy’s limit.

Do You Need Full Auto Insurance Coverage for a Financed Car in Longwood, FL?

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If you finance a vehicle in Longwood, FL, you need an auto insurance policy with full coverage. In doing so, you ensure the lending agency continues to receive payments if your car is designated as totaled. 

Florida Insurance Requirements

Under Florida law, vehicle owners with an active registration must have a policy from a state-licensed insurance firm. At a minimum, they require $10,000 in Personal Injury Protection (PIP) and Personal Damage Liability (PDL). The former covers health issues of drivers and passengers related to accidents. Meanwhile, PDL handles damage to another person’s property, like a vehicle or building.

You must carry proof of your insurance coverage while you drive. Failure to provide this information if pulled over by law enforcement may result in fines, license suspension, or impounding your vehicle.

What is Full Coverage?

If your vehicle is financed, it’s necessary to have additional coverage. Dubbed full coverage, it includes general liability for property damage and injuries. Furthermore, you must have collision coverage to pay for damage to your vehicle, no matter who is at fault. On top of this, comprehensive insurance is needed to pay for damage related to vandalism, fire, or severe weather issues.

How Much Coverage Do I Need?

The values of liability, collision, and comprehensive coverage depend on the type of financed vehicle. For instance, premiums for a low-cost, traditional subcompact may be lower than those for a full-sized luxury sedan. 

In the end, don’t estimate your coverage amounts. It’s best to work with a firm like Express Insurance to obtain the proper values for your financed vehicle. Contact one of our representatives for more information.

How Umbrella Insurance Can Help Protect Your Business

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If you’re a business owner in Longwood, FL, you know that protecting your company is essential. And if you’re looking for reliable and affordable protection, Express Insurance is the right choice. We offer umbrella insurance policies to help safeguard your business from potential liability claims. But how can umbrella insurance help protect your business?

Umbrella Insurance Defined

Umbrella insurance is a type of liability insurance that provides additional protection for your business. It kicks in when the limits on your other liability policies have been reached. So, if you’re ever faced with a large claim or lawsuit, umbrella insurance can help cover the costs.

Why You Need Umbrella Insurance

There are many reasons why you need umbrella insurance for your business. For one, it can help protect your assets. If you’re sued, legal defense costs can quickly add up. And if you’re found liable, you could be on the hook for any damages awarded to the plaintiff. That’s why having umbrella insurance is so important. It can help cover the costs of a legal defense and any damages you may be liable for.

If you own rental property, you need umbrella insurance to help protect yourself from any potential liability claims. Rental property owners are often sued for things like slips and falls or other injuries on their property. If you’re found liable, you could be responsible for the injured party’s medical bills and other damages.

Finally, if you have any employees, you need umbrella insurance to help protect yourself from potential liability claims. Employees can sue their employers for wrongful termination, discrimination, and sexual harassment.

If you’re looking for reliable and affordable umbrella insurance, contact Express Insurance in Longwood, FL, today. We’ll be happy to help you find the right policy for your business.

How Renters’ Insurance Works

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When you rent your home, you don’t need to get home insurance. That coverage is for the home’s owner to carry. However, you do need to have renters’ insurance. This works very differently from home insurance in some ways, but it also includes similar coverage types. If you are a renter and in need of renters’ insurance, call us at Express Insurance in Longwood, FL.

It Protects Your Belongings

Like home insurance, renters’ insurance comes with coverage for all of your belongings inside your home. It protects them against covered incidents like inevitable accidents, calamities, and disasters. When a covered incident happens, and your belongings are ruined, the policy can pay for them so that they can be replaced. It’s important to have this coverage to protect what you own so that you aren’t left with anything after a significant incident that ruins your possessions. 

It Protects Your Liability

Even though you aren’t the property owner, you are still responsible for what occurs there. If someone were to come into your rental and have an accident that left them with injuries, you could be liable for paying for those injuries. With renters’ insurance, the policy would pay for those injuries so that you wouldn’t have to. 

It Protects Your Quality of Life

If an event should significantly damage your rented home, your renters’ insurance can pay for you to live elsewhere for the duration of the repairs. This is important for those who can’t afford to find a temporary home while theirs is being repaired. 

Get Your Renters’ Insurance Policy

If you are renting, it’s always essential to have renters’ insurance. Most landlords today even require it. Call Express Insurance in Longwood, FL to get started with a policy.

     

What Is The Difference Between Condo Insurance And Homeowners Insurance?

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Homeowners insurance covers your residence and its contents, such as furniture, electronics, and collectibles. Every homeowner needs to have insurance. Condo residents are covered under the same condo insurance policies as the other residents in the building. You may have a specific policy for your property inside.

Some building management companies provide a package of insurance coverage for the building, including condo insurance for the residents. For expert advice in Longwood, FL, contact Express Insurance. 

How Condo and Homeowners Insurance Vary 

Condo owners usually buy condo insurance to protect their investment, while homeowners insurance protects your primary residence. Condo owners may purchase landlord’s insurance to protect against damage or loss to the building caused by tenants, guests, or other third parties. 

Some condos may also come with built-in coverage like building warranties or maintenance contracts. While everyone should have insurance, not everyone needs or can afford homeowners insurance. For example, if you own your home outright, have enough savings to cover any repairs, or have significant home equity, you do not need to purchase homeowners insurance. 

You are responsible for your home, its contents, and any belongings in the home and can protect yourself from financial ruin by putting your home in an irrevocable trust with a family member or close friend. 

The cost of homeowners insurance can vary greatly depending on several factors, including where you live, your credit history, and your risk factors. Reducing your risk factors may help you qualify for a cheaper policy. For example, staying current on your mortgage and reducing your debt may reduce your risk factors and result in a lower-cost homeowners policy. 

To protect your investment in the building, condo owners may purchase strata insurance. Condo owners may purchase coverage for the unit itself, the structure, the common areas, and the personal property inside the unit. 

While condo owners may feel an affinity for their community-based counterparts, there are significant differences between the two types of coverage. In most cases, condo owners can’t use their homeowner’s insurance to cover their condo. 

Homeowners’ insurance only covers the value of your home, while condo insurance covers your belongings inside and outside of the unit. Condo owners typically purchase a policy that covers their unit (or "unit-owner"), not the building. Homeowners insurance typically covers your home and its contents (e.g., furnishings, personal belongings, etc.). 

Ending Words 

Condo insurance provides coverage for things typical of a condo, like a swimming pool, or a common area, like a lobby or parking garage. It may also include coverage for a unit if it is deemed a common area. 

On the other hand, besides covering your home & possessions, homeowners insurance also covers your household. Consult Express Insurance in Longwood, FL, with your inquiries.

Must-have Commercial Insurance Policies

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When running a business venture, you need to take calculated risks as well as mitigate prevailing risks in the business environment. Without a sound risk mitigation strategy, you don’t need many catastrophes to bring your business down. One significant threat is enough to see your hard-earned investment go down the drain. Luckily, having the right mix of commercial insurance policies can form formidable protection for your business.

Express Insurance of Longwood, FL gives must-have insurance policies to see your business run for many years to come. 

Must-have Commercial Insurance Policies

Worker’s comp insurance

Since your employees can get hurt while at work, you need an insurance policy to cater to the injuries when they happen. Worker’s comp insurance covers medical costs, ongoing care, and partial loss of wages for work-related illnesses and injuries. Without this coverage, you will have to cover these expenses from your business coffers.

General liability insurance

While it’s not mandatory in Florida, every business must have this coverage. Liability insurance protects you when accused of property damage, bodily, and advertising injury. Since liability claims can be prohibitive, your business must have sufficient liability coverage to withstand the storms of liability claims when they knock on your door.

Property insurance

Do you own buildings, inventories, or computers? Investing in property insurance isn’t an option. Property insurance compensates you when losses and damage occur to your properties. Yes, property insurance won’t prevent the perils, but it ensures you don’t start from scratch.

Cyber liability insurance

With an upsurge in cyberattacks, your business can be a great mess if you don’t have a safety net when data breaches occur. Cyber liability insurance lessens your financial burden when hackers manage a successful attack.

Getting the right mix of your commercial insurance policies is crucial for survival. Want to protect your Longwood, FL with business insurance? Please contact Express Insurance to have the conversation started.

4 Key Areas Covered by Home Insurance

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Home insurance in Florida is not mandatory, but the lending institutions require it when you want to secure a mortgage. However, whether compulsory or not, homeowners insurance is pivotal because it safeguards your home structure and its contents from unexpected disasters. So, if you have a home in Longwood, FL, don’t hesitate to get in touch with Express Insurance for a home insurance plan. Home insurance is a worthwhile investment as it provides homeowners with coverage in numerous areas, but not limited to:

  • Provision of liability protection: What happens if a third party slaps you with an expensive lawsuit or skyrocketed medical bills? Fortunately, home insurance from Express Insurance safeguards the policy bearer from exorbitant lawsuits emanating from third parties whose property has been damaged or bearing inflicted injuries by you or your family members. 
  • Dwelling protection: Owning a house in Longwood, FL is an investment. And being one of your valuable assets, your home requires formidable protection from imminent perils. If such calamities transpire, repairs or reconstructing of the structures are covered by the home insurance policy.
  • Assets protection: Nothing is comforting like knowing that your valuable assets are protected if an unexpected eventuality strikes. You have invested in exclusive furniture and other home appliances which you hold dear. Financial stress resulting from loss or damage to your home can be detrimental. Home insurance pays for the damage or loss to your assets.
  • Provision of additional living expenses: Loss of use coverage caters to costs such as hotel bills and accommodation when residing elsewhere as your home is getting rebuilt or reconstructed after being damaged by a peril listed in your policy.

Express Insurance has tailored magnificent solutions that will leave you and your house protected from imminent calamities. To get home insurance coverage in Longwood, FL, please contact or visit us today, and you won’t regret it.

Should everyone in Florida get auto insurance?

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Vehicle ownership continues to be a practical necessity for many people in the Longwood, FL area. When you are going to purchase a car here, you will need to ensure that you are following all necessary responsibilities and protecting it. A great way that this can be done is by obtaining a quality auto insurance plan. There are various reasons why the typical vehicle owner here should obtain auto insurance coverage. 

Protect Your Car

A common reason that anyone in Florida wants to have Insurance for their vehicle is so they can protect her car. Most people that own a car in the state are going to rely on their car to get around and get to work. If you have auto insurance, it can help to protect your vehicle and ensure you have the capacity to repair or replace it if you incur a loss. 

Offset Liability Risk

Anybody who drives a car here also needs to make sure they are thinking about their liability risks. Even if you are a safe driver, there will always be a risk that you will accidentally cause a collision. If this does happen, you will have an obligation to cover costs incurred by the other parties involved. If you have the right liability insurance plan, you will have the capacity to cover these damages as they will be handled by your insurance provider. 

As you are looking to get into a new auto insurance plan in the Longwood, FL area, you will want to know that you are choosing the right policy for your situation. Speaking with Express Insurance is a great way to ensure this happens. The professionals with Express Insurance offer all the support that you need to build a plan and properly insure your car against various risks.