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Express Insurance

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

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Common Misconceptions about Auto Insurance

New and experienced drivers alike often have misconceptions about auto insurance and the protection it provides. If not cleared up, these misconceptions could cost you money on your coverage. At Express Insurance, we can help clarify auto insurance misunderstandings so you can make good insurance choices. Here are some of the most common misconceptions people have about auto coverage.

One Insurer is Just as Good as the Other

Insurance companies are not created equal. Some offer better coverage, services, and prices than others. To ensure you’re getting a good deal, shop around and compare what different companies in Longwood, FL have to offer. Check out company reviews as well to ensure you choose a reputable company to do business with.

Credit Score Has No Effect on Insurance Prices

Wrong! Many insurers take credit score into consideration when quoting you an auto insurance price. Your credit history is an indication of how responsible you are in managing your money. If you’re responsible in this area, chances are you will be responsible in other areas as well to include your driving.

Car Color Affects Insurance Costs

The color of your vehicle has nothing to do with insurance costs. The make and model of your car, your driving record, your age, and driving experience, however, could affect your rate.

Rental Reimbursement is Automatically Included in Auto Policies

Unless you pay for rental reimbursement coverage, this service is not included in standard auto policies. It can be added, however, at a very affordable cost.

Car Insurance Follows the Driver

Actually, car insurance follows the car. If you loan your vehicle to a friend and he causes an accident, your insurer is responsible for damages.

For more information about auto insurance or to purchase a policy in Longwood, FL, contact your Express Insurance agent today.

A Look At How Umbrella Insurance Can Assist Entrepreneurs

Based in Longwood, FL, Express Insurance strives to help people find the insurance coverage that they need in a timely manner. We offer a wide array of options to ensure that our clients find the insurance coverage that they need. As an independent insurance agency, we look around to make sure that all of our client’s needs are addressed.

Umbrella Insurance

Umbrella insurance is important because it offers that extra layer of protection when people need it most. You can add umbrella insurance across multiple policies. When a serious situation arises, umbrella insurance can help prevent disaster from occurring. Entrepreneurs should consider the benefits of umbrella insurance.

The policy assists entrepreneurs as they attempt to grow their portfolio. Without umbrella insurance, entrepreneurs are putting their financial security at risk. As an entrepreneur, once you start to become successful and establish your brand, umbrella insurance will help protect your personal wealth. Research shows that many entrepreneurs are not aware of how beneficial umbrella insurance policies are.

It’s important to do some research to figure out how much coverage you need. Accidents happen and unforeseen circumstances arise. The policy protects your business in the event that one of your employees is injured in a freak accident. These types of accidents on the job continue to rise every year, which is why umbrella insurance is so beneficial to businesses.  That’s why umbrella insurance can help you navigate some of the risks associated with operating a business.

Express Insurance Can Help You

For more information on how umbrella insurance can help your business, stop by our office in Longwood, FL. We will assist you as you look at different quotes until you find the one that will properly secure your assets.

Should Florida tenants have renters insurance?

Whether you are renting a condo on the beach in Florida or a house in the suburbs, you will want to obtain a renters insurance policy. Does this mean you are required to do so? No, you are not required to have renters insurance in Florida unless your landlord requires it but it’s still a good idea to obtain a policy. While the home or apartment you are renting is covered by the landlord’s property insurance policy or under your apartment complex company’s policy, that only includes the structure itself and not your personal possessions. To replace items lost if a disaster occurs, including your furniture, household goods, and appliances, you will need your own renter’s insurance policy.

A renters insurance policy will keep your items safe because they will be replaced or repaired if they are damaged or lost due to a burglary or theft, destroyed by a fire or lightning, windstorm, or explosion if smoke damage or glass breakage occurs, or in the event of a hailstorm or flooding due to burst pipes or overflowing bathtubs.

A typical renter’s insurance policy will provide you with personal property protection that will replace your belongings in case of a covered loss. It will also give you liability protection that covers you financially if a guest to your home or apartment is injured and decides to sue you. This type of policy will also pay for the costs that you incur if you have to stay somewhere else while your apartment is uninhabitable after a disaster and it covers medical expenses if a guest is injured in your home or apartment.

Renters insurance policies are extremely affordable so it’s crazy not to be covered. Keep yourself and your possessions covered by obtaining a renters policy that is created specifically for you and your needs by enlisting the assistance of an experienced and trusted insurance agent at Express Insurance in Longwood, FL today!

How does condo insurance protect me?

The Longwood, FL area is a very popular place for someone to move to. People continue to flock to this area due to the warm weather and range of recreational activities to choose from. If you are going to move here, it is important to consider your housing options. One great option to consider is to buy a condo. If you do purchase a condo in this area, you should make sure that you get a full condo insurance policy as it could protect you in several ways. 

Provides Valued Liability Protection

One of the ways that your condo insurance policy can protect you is by providing you with liability protection. Condo owners likely live in a community close to other people. If there is a leak in your home, it could cause damage to another unit. If this occurs, you will be held responsible for the damages. Fortunately, your liability condo insurance policy will give you coverage for this risk.

Provides Protection for Assets

Another important form of coverage that comes with your condo insurance policy is protection for your assets. Anyone that buys a condo will be investing a lot into their new residence and asset. Due to this investment, you need to protect your condo as well as possible. A condo insurance policy will give you coverage to repair your unit if it is damaged. 

Getting a condo insurance policy in the Longwood, FL area is a necessity for any condo owner. When you are shopping for a new policy, you should call the team at Express Insurance to further discuss your options. The insurance team at Express Insurance will help you to evaluate all of your insurance options to ensure you get into the best policy possible to meet your needs. 

Risks of Operating a Business Without Commercial Insurance

Running a business in Longwood, FL might be expensive, so the last thing you as a business owner want to do is to add on expenses for commercial insurance. However, not having commercial insurance can jeopardize your business and lead to the loss of your property, assets, and business income. Here is the list of risks of operating a business without insurance you should know:

Risk of breaking laws

According to Florida law, businesses must have a certain type of commercial insurance. For example, even if your company has only one employee, you must have at least general liability for your business. It helps to protect business owners from any direct and indirect damages to other parties. Also, if your company has four or more employees (either full- or part-time), workers’ compensation insurance is also required. 

Putting Your Employees and Yourself at Risk

Having workers’ compensation is important because it helps to protect you and your employees. It makes sure you can afford medical bills your employees might attain after a possible workplace accident. If you do not have workers’ compensation, you could be liable for a lawsuit, which would cause you financial losses and undermine your reputation. In addition to workers’ compensation, you might also need unemployment insurance for those employees who cannot work for a period of time. 

Risk of Property Loss

If anything happens to your commercial building, without commercial insurance you might end up losing possession of your property and ability to continue operation. Having business insurance is a guarantee that your property is protected against different types of damage, including fire, flood, and more. 

It does not matter, whether you have a small business with only one employee or a bigger company with hundreds of employees – Express Insurance in Longwood, FL is here for you and ready to serve all your insurance needs. Visit our website to see commercial insurance options offered by Express Insurance and choose the one that is right for you and your business. 

Why do I need a home inventory

Buying a home in Longwood, FL can seem like a dream come true. With its location in Central Florida, it is convenient to all the things that the greater Orlando area has to offer. Choosing the right home insurance for your home is one of the most important decisions you make when you become a homeowner. At Express Insurance our dedicated staff treats all of our customers like family and we want to make getting the perfect home insurance a totally painless process. 

To answer the question why do I need a home inventory you need to understand what a home inventory is and what it is used for. First, a home inventory is a listing of all your possessions. You may think that you don’t need a list or a video to remind you of what you own but I think once you make an inventory, you will be surprised at all the things that you have. Can you remember all of the holiday decorations that you have? Every piece of clothing and household items? Chances are you can’t. 

When something bad happens and bad things do happen even in lovely places like Longwood, FL, you will be asked to tell your insurer what they need to replace when you file a claim. You have to know the model of things like TVs and other electronics. You want to be able to replace what you had with something of equal value and quality. Your inventory, especially with receipts and photos attached will make the whole process go much smoother and quicker. It takes a little time to do an inventory but the potential benefit makes it worthwhile. 

When you are ready to talk about your home insurance needs give the experiences team at Express Insurance a call or stop by and let us give you a no-obligation quote as well as answering any questions you may have. 

How to Buy Auto Insurance for the First Time

When it comes to auto insurance, the options can at first seem overwhelming. It may also seem like no matter how many companies you research, they all seem to say the same thing. Distinguishing the best policy and carrier for you isn’t always easy when you live in Longwood, FL, but it helps to have the facts in front of you before settling on one option over another. 

Invest the Time 

This is often one of the more difficult things to do when it comes to insurance. Researching countless facts isn’t exactly the most thrilling way to spend an afternoon, but it’s also the most effective way to get the information you need. Every state has its own laws when it comes to the minimum amount of insurance you need, meaning the terms of your policy may look very different than your friend in the next state over. 

Ask Yourself the Tough Questions 

Also difficult to do, this one involves determining whether you’re willing to take certain risks with your insurance policy. For example, if you choose the bare amount of coverage, will you be able to reasonably get by if you’re unable to access your car for a while? There’s no need to opt for more than you need, but you also have to be prepared in case something does happen. 

Talk to Your Carrier 

Express Insurance serves the people of Longwood, FL and helps them decide which policy will work best for them. New drivers are prone to making mistakes simply because they don’t have the frame of reference that other drivers do. Whether you’re shopping for a quote or you just have questions about how claims work in the event of an accident, give Express Insurance a call today. 

Three reasons why you need umbrella insurance

Umbrella Insurance is a type of insurance that many individuals in the Longwood, FL area need. If you don’t have umbrella insurance coverage, you might want to explore our umbrella policy options at Express Insurance. 

The following are three reasons why you need to have umbrella insurance coverage. 

Your existing insurance policies have coverage limits. 

A lot of consumers make the mistake of assuming that their standard insurance policies will protect them financially in the event of an accident. However, it’s important to realize that policies have coverage limits. There’s no guarantee that any accident that comes up won’t cost more than these coverage limits.

Umbrella insurance kicks in when the coverage maximums are reached on a standard policy. It ensures that all the expenses resulting from a covered incident will be paid for through insurance coverage. 

You have a lot of assets to protect. 

Consumers who do not have umbrella insurance coverage are leaving their assets at risk. High net worth individuals are often the target of lawsuits. If you’ve got a lot of assets to protect, you could be considered a target and need to protect yourself and your possessions with umbrella insurance. 

Umbrella insurance is surprisingly affordable. 

Consumers are often quite surprised at how affordable umbrella coverage can be. For just a few extra dollars every month, many consumers are able to take advantage of as much insurance coverage as they could ever possibly need. 

We’re here to help you if you want more information on umbrella insurance policies in Longwood, FL. At Express Insurance, umbrella insurance is one of the many types of insurance policies we offer. Contact us to learn more. 

Is Renter’s Insurance Worth the Cost?

If you’re thinking about renting a home or apartment, you should consider getting renters insurance. Renters insurance from Express Insurance in Longwood, FL protects your belongings against such risks as fire, theft or natural disaster. If a severe tropical storm or tornado levels your rental home, could you replace all your goods out-of-pocket? Renters insurance also provides funds to live elsewhere if you had to leave your rental property temporarily due to damage from a disaster.

Here’s what’s you stand to gain by investing in a renters insurance policy.

Financial Security against Loss of Property

Renters’ property insurance covers your personal goods against theft or loss in a disaster. This includes your shoes, clothes, furniture, electronics, appliances, sports gear and more. By making a home inventory of your possessions, you’ll get a better idea of what this coverage has to offer. Replacing your wardrobe alone can be costly. Imagine what you’d spend to replace costly furniture, electronics or appliances on your own in the event of disaster loss.

The Sunshine State is known for its destructive hurricanes, severe tropical storms, tornados, and wildfires. Any of these disasters can cause substantial damage to a home and totally destroy its contents. If you’re the victim of a natural disaster, renters insurance can provide the financial means to recuperate your losses so you can recover quicker and move on.

Living Expenses Protection

A major disaster can make a home uninhabitable due to extensive damage. Renters insurance offers additional living expenses coverage to help compensate for the money you spend on hotels, restaurants, transportation or other expenses while you’re away from home. This could save you from dipping into your savings to cover these costs.

To learn more about the benefits of renters insurance and policy costs, call or visit your Express Insurance agent in Longwood, FL today.

5 Safety Tips for Holiday Driving

Driving during the holiday season can be challenging, to say the least. Congested roads coupled with wet or snowy weather conditions, reduced daylight hours and driving in unfamiliar territory can be a recipe for disaster. The following safety tips from Express Insurance in Longwood, FL can help you get to your holiday destination safely.  

Plan Your Travels in Advance

Plan ahead so you’re not stressed in getting to your destination on time. Plan your routes, service your car and pack your car in advance before hitting the road. Keep an eye on weather and road conditions where you’ll be traveling to avoid traffic jams and hazardous weather on the road.

Drive Defensively   

Drive defensively, putting your safety and the safety of others first. Avoid speeding and taking unnecessary risks that can cause accidents. Always signal when changing lanes or turning to alert other drivers of your prospective actions.    

Take Frequent Breaks

Get a good night’s sleep before hitting the road and take frequent breaks on long-distance trips to avoid getting drowsy. Stop to rest, eat or walkabout to help you stay alert. Share driving responsibilities with others to enhance safety on the road.

Avoid Distractions

Don’t text or talk on your cell when driving. Avoid changing radio stations, putting on makeup or getting into heated discussions with others as these actions can also distract you from your driving.

Don’t Drink and Drive

Never drink and drive. If you’re going to drink, choose a designated driver or use a taxi or Uber service to return home safely after holiday parties.

Don’t forget to check your auto insurance to make sure it’s up to date with the protection you need for your travels. For auto insurance coverage you can trust all through the year, contact an agent from Express Insurance in Longwood, FL today.