mobile-callClick to Call
Express Insurance

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

mobile-mapGet Directions

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.

Required Auto Insurance in Florida

Driving in Florida requires that the vehicle you’re driving must be insured with at least the minimum types and amounts of coverage that are mandated by law. If you need auto insurance, contact us at Express Insurance in Longwood, FL.

No-Fault State

There are 12 states that are considered no-fault states. That means that no matter who was the cause of the accident, you are responsible for your own medical bills. To give Floridians the protection they need for their potential medical bills, every driver needs to have personal injury protection. There is a set minimum amount that the state requires you to keep in personal injury protection. This type of coverage pays for 80% of your medical bills if you have been in an accident, and it doesn’t matter who caused the accident. However, with the high cost of medical bills, it is recommended to get a higher amount of coverage than the amount that is mandated, as it is one of the lowest amounts among the states.

Liability Coverage

There is a set minimum amount that you must have of property damage liability coverage. This covers you against being liable for another person’s property, such as a vehicle, that is damaged in an auto accident. However, like personal injury protection, the minimum amount mandated is quite low, so getting a higher amount of this coverage is usually recommended. 

Call Us About Your Insurance

If you don’t yet have auto insurance, or you want to add more of it, contact us at Express Insurance in Longwood, FL. Make an appointment to discuss your insurance needs with an agent today. We are here to help.

How umbrella insurance works.

Umbrella insurance is liability insurance that applies to liability claims against you that are larger than those covered by your primary home and auto insurance policies. It is not a policy that is required by law in Longwood, FL.  However, Express Insurance experts advise that you purchase this coverage to provide for those unpredictable moments when you find yourself in a situation where the liability costs far exceed the limits covered in your primary insurance.   You qualify for the umbrella policy in Florida only if you own auto insurance liability protection that carries a bodily injury liability limit of 250/500 and a homeowner’s insurance liability of $300 000. When the claim against you is larger than those covered amounts, the umbrella insurance policy coverage will start.

You may wonder, why in the world would you need additional cover if you already are covered by the basic policies. The limits covered on those policies seem like a large amount until you find yourself liable for another’s medical bills that can run up to millions of dollars.  What will you do then? According to the law, if you cannot pay your liability obligation, the state will claim your savings and retirement policies in an attempt to cover the outstanding amount.  Once depleted,  it may take many years to restore your savings and retirement provision. To protect yourself from financial hardship on top of dealing with the traumatic event in your life, the umbrella insurance policy will protect you against such a devastating financial loss.

So, how much umbrella insurance coverage do you need? It depends on personal circumstances. The best way to ensure that you buy enough coverage is to discuss your needs with Express Insurance experts in Longwood, FL.

A Thorough Overview Of Renters Insurance

Express Insurance serves the Longwood, FL community by offering residents different types of insurance coverage. We proudly serve as an independent agency. We offer our clients multiple types of policies so that they can find coverage that suits their needs.

Renters Insurance Overview

If you are renting a property in the Longwood, FL community, consider the benefits of renters insurance. Renters insurance covers your personal items if an emergency happens. You will be covered if your personal items are damaged, stolen, or vandalized. Liability coverage is also an asset, especially if you have a pet or you enjoy hosting friends and family. You will be protected if someone is injured at your unit or if your pet causes damage to someone else’s property.

Take inventory of the personal items inside of your home. This will help give you a reference if you are a victim of theft. If you have luxury items in your unit, you can add extra coverage to protect those items in case something happens. Also, be aware that you can add coverage to the personal items that you use away from your rental unit. You’ll be protected if the personal items that you keep in your car are stolen or damaged.

The policy also covers you if your unit suffers serious damage and you have to seek temporary housing elsewhere. As a Florida resident, you have to prepare for the threat of serious weather at any time. In some cases, you may have to add extra coverage in order to protect your personal items. Flood insurance coverage is something that you should consider adding. When cases of severe weather cause flooding, your personal items will be protected if they are damaged.

Express Insurance Will Help You Protect Your Valuable Possessions

Visit our website today to learn more information about renters insurance.

Three problems you could face if you don’t make the right decision on your auto insurance policy

Car insurance mistakes can be costly if it turns out that you need to file a claim. At Express Insurance, we can help you meet your auto insurance needs in Longwood, FL.

The following are three problems you could face if you don’t make the right decision on your auto insurance policy.

Paying out of pocket for damage to your vehicle

The costs of vehicle damages can be extremely high. If you don’t purchase collision and comprehensive coverage, you could end up having to pay repair costs out of pocket.

This could create significant financial problems for you if your vehicle is involved in a severe accident and experiences a lot of damage. 

Having no transportation while your damaged vehicle is in the shop

One thing you really need to look out for on your collision coverage policy is rental car insurance. Rental car insurance will cover the costs of renting a vehicle when your vehicle is being repaired. This really comes in handy so that you have transportation available after an accident until your vehicle is repaired. 

Ending up in debt as the result of liability damages

If you are found at fault for a severe accident, liability damages can put you in debt. This is especially true if you’re involved in an accident that includes personal injury and medical bills.

You should purchase a sufficient amount of liability coverage when you buy auto insurance. This will minimize the chances that you’ll face debt as a result of a vehicle accident.  

Research your auto insurance options in Longwood, FL. We’re here to help you at Express Insurance. Get in touch with us to learn more about the auto insurance policies we offer. 

Required Commercial Insurance in Florida

In Florida, there are few regulations about commercial insurance that are required for business owners. However, it is smart for every business owner to get a variety of policies that cover things like liability and professional mistakes. If you need commercial insurance in Florida, give us a call at Express Insurance in Longwood, FL to talk to an agent about your coverage. 

Workers’ Compensation Insurance

If you have a business in Florida, you are likely required to have workers’ compensation insurance coverage. This is required for all businesses in the state that have at least four employees, whether those employees are full-time or part-time. If your business is a construction business of any kind, this requirement kicks in for businesses that have at least one employee. Workers’ compensation insurance pays for the medical bills accrued by employees who have injuries or get sicknesses at work. 

Cyber Insurance

Though it isn’t required for Florida businesses, getting cyber liability coverage and data breach insurance is a good idea for businesses that have an online aspect. These can help you if you have a breach from a hacker and data is taken or seen. This insurance covers all aspects of these attacks, making it an important type of coverage for businesses of every size.

Business Owners’ Insurance

This kind of insurance can cover a number of different catastrophes that can happen to a business. It generally includes commercial property insurance and general liability insurance. There are many problems that can occur within a business, and this kind of insurance covers many of them. 

Insurance Coverage

In Florida, it’s important to have both the required insurance coverage as well as commercial policies that cover your type of business. If you need insurance for your business, call Express Insurance in Longwood, FL to make an appointment with an agent.