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

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Renters Insurance in Longwood, FL: FAQs

Many people who rent know they don’t need to worry about responsibility in the event an unexpected event occurs and results in the need for property repairs. However, to ensure your personal possessions are covered, you will need to invest in renters insurance from an insurance agency like Express Insurance, serving Longwood, FL. Here are a few frequently asked questions regarding renters insurance.

What Does Renters Insurance Cover?

Renters insurance is specifically designed to cover your personal possessions from an assortment of covered perils, such as falling tree branches, high winds, and fires. Renters insurance also covers your belongings against vandalism, theft, and other forms of criminal activity. In the event your personal items suffer damage or are completely destroyed, your insurance company may pay for the repairs or replacement of the item.

Renters insurance includes liability coverage that will protect you from legal action in the event you cause damage to someone else’s property or someone suffers an injury while on your property. 

What Does Renters Insurance Not Cover?

Earthquakes and floods tend to be excluded from renters insurance coverage. Because of this, especially if you currently live in a high-risk area, you will want to purchase the necessary additional coverage. In some cases, depending on the items that you are insuring, you may need to increase the coverage to ensure your belongings are properly covered in the event of a disaster.

How Much Coverage Is Needed?

In order to determine how much renters insurance coverage you need, you need to create an inventory list of your belongings. While this sounds overwhelming and time-consuming, it is necessary. In addition, there are many websites and phone apps out there that will make the entire process much easier for you. 

When you have questions or need to invest in renters insurance, you can rely on the professionals at Express Insurance, serving Longwood, FL.

9 Terms you need to know about auto insurance

Every driver has auto insurance. But very few actually understand everything that’s included in a policy.

With all the different coverage options and legal jargon, it’s easy to get overwhelmed. Fortunately, Express Insurance is here to help. Serving Longwood, FL, their agents break down nine terms you should know about your auto insurance policy.

Claim

When a loss is covered under your insurance policy, you submit a request for payment that’s filed with an agent.

Premium

This is the amount you pay for insurance coverage. Influenced by several factors, premiums vary from person to person.

Deductible

Before your insurance pays the remainder of a claim, you will pay a portion yourself. This is called a deductible.

At fault

A designation of "at fault" results from an accident you’ve caused. It could be based on a specific action or negligence.

Collision coverage

In the event of an accident, collision coverage protects against financial loss from damage. This kicks in regardless of who’s at fault.

Comprehensive coverage

Like collisions, this is standard in most auto policies. However, comprehensive covers loss from anything other than an accident, like theft, vandalism, or natural disasters.

Liability

Liability is a legal obligation when you are found to be at fault for another person’s bodily or property damage. Any plan should include liability coverage.

Primary Use

This refers to how you typically use your car. Primary use impacts what auto insurance policy you’ll need.

Limit of coverage

The limit of coverage is the maximum amount an insurance company will pay. It’s important to know where this threshold is.

Call Express Insurance

Located in Longwood, FL, the agency can help you understand auto insurance. But, they can do even more. Their experienced agents can construct a policy that keeps you safe on the road. Schedule an appointment today.

Required Commercial Insurance in Florida

Owning a company in Florida comes with plenty of responsibilities, and having the right commercial insurance is one of them. There are two types of commercial insurance that many businesses in the state are required to have. In addition to those, there are several useful types of commercial insurance, such as business owner’s insurance and cyber insurance, that can be highly beneficial to your company. If you need commercial insurance policies, give us a call at Express Insurance in Longwood, FL.

Workers’ Compensation Insurance

Different states have different regulations for this type of commercial insurance. In Florida, you are required to have it if you have at least four employees, and it doesn’t matter whether they are part-time or full-time. This insurance pays for the medical bills and the lost wages of an employee after they suffer an injury at work or get a work-related illness there. This is an important protection for workers, but it also protects your business from having to pay massive medical bills after an on-site accident. 

Commercial Auto Insurance

If your Florida business owns a vehicle, that vehicle must have a commercial auto insurance policy. There are specific amounts mandated by the state for the minimum amounts of protection you must have. However, those amounts are extremely small, and it’s highly recommended that you get more coverage to protect yourself and your business. This insurance must include coverage for property damage liability and for personal injury protection. If you have a business that often uses a vehicle of yours, but the business doesn’t actually own it, there is a different type of insurance that you should get for it. It’s called hired and non-owned, and it will protect you better than a personal policy that may not payout if the vehicle was engaged in work tasks. 

Get Your Commercial Insurance Policies

If you own a business, it’s important to have the commercial policies you need to protect it. Give us a call at Express Insurance in Longwood, FL.

3 Reasons You Should Get Home Insurance After Purchasing Your Florida Home

In the U.S., approximately 95% of homeowners have home insurance. Even though it is not a legal requirement, it is an essential investment for your property in Longwood, FL. Our homeowner insurance at Express Insurance typically protects your home in case of events like fires or hurricanes.

The ideal home insurance policy should protect not only the physical structure but also all the valuable items that you would need to replace. Read on to learn three ultimate reasons why you should get home insurance.

1. Home Insurance Gives You Financial Safety

In the case of events like tornadoes or hurricanes where houses are at risk of significant damage, home insurance is necessary. You get peace of mind knowing that you have a  home insurance policy that will pay for repairs and replacements that may be required.

2. It Is a Necessity for a Mortgage

Most mortgage lenders will insist that you get home insurance to protect your investments. Home insurance ensures that any damages are taken care of in case of any unfortunate events. A mortgage lender will typically insist on a policy that covers the amount of the mortgage.

After completing your mortgage payment, you are no longer required to pay for home insurance, but as a homeowner, you should continue as this is a major investment. 

3. Home Insurance Protects the Equity of Your Home

Homes are one of the significant investments in one’s life, and as you continue doing renovations and modifying them, the equity of your home increases. In case of a damaging event, home insurance will ensure that you don’t start from zero. 

If you want to know more about home insurance, contact our independent insurance agents in Longwood, FL. They’ll answer any question you may have and help you identify the right quotes that fit your budget. 

Does Auto Insurance Cover Windshield Damage?

Windshield damage is one of the most common occurrences on the road. Few things are more annoying than a rock flying out from underneath the tires of a passing vehicle, chipping your windshield in the process.

The good news? If you have comprehensive coverage, windshield repair may be part of the policy details. Express Insurance, which serves Longwood, FL, provides you with information about auto insurance and windshield repair or replacement.

Comprehensive Coverage Is Beneficial

Comprehensive coverage added to your auto insurance policy can help you replace or repair your windshield if a rock or other large object hits your vehicle. Coverage often provides for repairs that are small and replacements for larger damage, but each situation is different.

Additionally, comprehensive coverage is not only meant for windshield damage. It also covers things that happen to your vehicle when it is parked, like damage caused by hail or issues like fire.

Comprehensive Coverage Incorporates Full Glass Coverage

In Florida, comprehensive coverage plans typically include full glass coverage. This is not always the case in other states, so it is still important to get to know your policy.

Deductibles Vary in Each Situation

Whether or not you will need to meet a deductible for windshield damage is based on what kind of repair or replacement your vehicle needs. An insurance agent can provide you with more information about the specific situations in which your repair or replacement may be covered.

Make Sure Your Windshield Is Covered

Auto insurance can help you get the coverage you need to protect your vehicle. Make sure that your windshield in Longwood, FL is covered with the help of Express Insurance.

Is Umbrella Insurance Mandatory in Florida?

Umbrella insurance coverage in Longwood, FL offers solidified additional liability protection. As a Longwood FL resident, have you ever thought about what could happen if a high magnitude calamity struck in Longwood, FL and you have depleted the prevailing policy limits of other underlying coverages like home and auto? Regrettably, many residents bear the notion that umbrella insurance is only for the rich. Contact us at Express Insurance situated in Longwood, FL today. Our dedicated team will help you forge strong coverage to guard your hard-earned assets in today’s litigious society.

Is umbrella insurance mandatory in Florida?

Umbrella insurance is not mandatory in Florida, but it’s prudent to acquire one, particularly if you own assets to protect them from a lawsuit. Umbrella insurance is a supplemental coverage designed to protect you beyond existing limits and coverages of other primary policies. You may be owning a home, boat, or auto insurance, but they can only safeguard you up to a certain limit. In the case of substantial claims, these coverages can get depleted, compromising your assets.

 Types of umbrella insurance coverages

Bodily injury liability coverage: It safeguards you from bodily injuries you propagate to other parties when you are found guilty. These impending expenses consist of medical bills or liability claims that can culminate from:

  • A severe auto accident where you are legally responsible
  • When a guest in your dwelling accidentally slips or falls

Property damage liability coverage: It reimburses the cost of damage you propagate to another person’s tangible property. It entails the cost of damage to vehicles and other property due to an auto accident where you are legally responsible.

Owners of rental unit coverage: It shields you from impending liability you may encounter as a landlord, such as your tenant’s pet biting someone, and you are deemed responsible for the injuries

Are you looking for outstanding umbrella insurance coverage in Longwood, FL to enhance your liability coverages when your other policies run out? Call or visit us at Express Insurance, and our agents are looking forward to helping you with your insurance needs.

Does Renters Insurance Cover Hurricane Damage?

Those in Longwood, FL do have coverage for hurricanes within their renter’s insurance policy. However, the amount of coverage and full availability does depend on several factors. For example, your policy should cover the items inside the structure, while your landlord should have an insurance policy to cover the building’s structure. 

For help determining the amount of hurricane coverage available, call our specialists at Express Insurance. 

Renters Insurance Coverage

A renters insurance policy generally covers the contents of an apartment or rental home. Some policies also cover items stored in a designated storage unit. This type of insurance only covers what is inside the dwelling and not the structure. Your landlord is the one responsible for carrying insurance on the structure. 

Hurricane Damage Coverage

If an insurance policy covers you depends greatly on the damage and the cause of it. For example, hurricanes have damage-causing elements, such as wind, hail, and lightning. Damage caused by these elements would be covered under a renters insurance policy. However, unless there is flood coverage within the policy, you may not be covered in the event your rental unit becomes flooded during the hurricane.

Should your personal belongings become damaged during the hurricane, your renter’s insurance policy should cover the replacement costs. Additionally, if the rental unit becomes inhabitable after the storm, you may receive additional living expenses to find a new place to live. 

Evacuation Expenses

Sometimes a hurricane prompts evacuations in the area. Generally, renters insurance does not cover evacuation expenses. However, some insurance companies include prohibited-use clauses in their policies, which may help cover some costs associated with a forced evacuation. 

Many tenants opt not to get renters insurance, but they could lose all of their items inside their rented unit when disaster strikes. Do not let this happen during hurricane season in Longwood, FL. Contact Express Insurance today for additional information about renters insurance and hurricane coverage. 

How Condo Insurance Protects You

Getting condo insurance is an important responsibility that you have when you own a condo. These policies protect you against an array of things that can go wrong. If you are buying a condo and need condo insurance, contact us right away at Express Insurance in Longwood, FL. 

Liability Coverage

One type of condo coverage is one that people don’t think about when it comes to their condo. Liability insurance for condos is just as important as it is for houses. It is a type of coverage that comes in handy if someone were to get sick or injured while in your condo. This coverage pays for the medical bills from an illness or injury that happens there, and it’s included in virtually all condo policies. 

Dwelling Coverage

Another part of your condo policy protects the dwelling itself. While the outside of the condo is not your responsibility and must be insured by your condo board, the inside is insured by the owner. This coverage covers major damage being done to the inside of the property. If there were to be an accident, calamity or disaster that causes major damage, you know it will be taken care of when you have this coverage. 

Possessions Coverage

Another type of coverage you get from your condo insurance is protection for your belongings. This coverage type is vital for helping you to rebuild your normal life after a serious incident has ruined or destroyed your things. It can help you get things back to normal by replacing many of the items you owned. 

Condo Coverage

Every condo owner needs condo insurance. If you don’t have your policy yet, call us today at Express Insurance in Longwood, FL.

Why should someone in Longwood get auto insurance?

In the Longwood, FL area, owning a car is considered a necessity. When you are a car owner, it will be a lot easier and more efficient to get around your community. While there are a lot of advantages that come with vehicle ownership, there are responsibilities as well. One task that all owners have here is the need to get car insurance. You should get coverage here for various reasons. 

Coverage Needed to Comply with State Law

A key reason that people here will want to have auto insurance is so they can comply with state laws. Drivers all over the state are obligated to at least carry liability insurance. When you carry this type of protection, it helps to ensure that you can pay for any damages that may be caused during an accident. Ultimately, when all drivers are covered, it helps to provide protection to all motorists on the road.

Coverage Protects Vehicle

Drivers in this part of Florida should also get insurance coverage to protect their vehicles. If you choose to purchase a vehicle, it will be something that you will want to last for a long time. A good way that you can make this happen is by having insurance. Those that are covered are going to have the protection needed to cover their vehicle if they become a victim of theft or if it is damaged during an accident. 

Drivers all over Longwood, FL need to have insurance in place. As you are shopping for coverage in this area of the state, calling Express Insurance would be helpful. The team with Express Insurance can help you assess your risks and insurance options. This can be the guidance needed to choose a policy that is right for your situation. 

Will Home Insurance Cover Tenants?

In Longwood, FL the general rule of thumb is that your home insurance will cover the home, it will cover the building, it will cover your possessions, it will cover the possessions of those who are staying with you on a permanent or temporary basis. But it will not cover the possessions of your tenants. That is to say that if someone is paying you a monthly fee to rent the home, or to rent a room in the home, then the insurance does not cover their possessions in the event of a fire, burglary or other hazard.

For this, they will need to invest in renters insurance. They can do their own research and buy a renters insurance policy to cover their belongings, or you may be able to work something out with your home insurance provider so that they can easily buy renters insurance through the same insurer. But your home insurance policy does not cover a tenant’s possessions.

Many landlords actually choose to require tenants to carry their own renter’s policy. This simplifies the process should claim to need to be filed. You don’t want a tenant to try and hold you responsible in the event that their possessions are lost or damaged. It’s up to you, but it’s not a bad idea to require your tenants to carry their own insurance.

If you have any questions about renters insurance or home insurance in Longwood, FL, or you’re looking to get covered for your own home or a rental property, get in touch with Express Insurance. Express Insurance can help you to get a great policy no matter your home insurance needs.