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Express Financial & Insurance Services

3222 Santa Monica Blvd
Santa Monica, CA 90404

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In Santa Monica, CA, What Does Commercial Liability Insurance Cover?

Business owners in the Santa Monica, CA area can rely on the agents of Express Financial & Insurance Services if they have questions about liability insurance for their commercial properties. Businesses can face many types of liability from unknowingly selling a defective product to slip and fall accidents that involve injuries to a visitor. The key is to know how much liability insurance your company needs to be fully protected if a mishap or accident occurs. It is important for a business owner to have their commercial liability policy reviewed every few years to ensure they have the right amount of coverage for the size of their business.

Liability is the one type of commercial insurance that, although optional, is extremely important when it comes to protecting businesses from financial ruin if an accident occurs. Liability insurance covers many different things ranging from bodily injury sustained in an accident on the property to property damage if something breaks and a vehicle is damaged. When it is determined that a company is liable for a certain type of damage or injury, the company must financially compensate the victim accordingly. This is where liability insurance comes into play. Without sufficient coverage, the financial repercussions can be devastating.

The agents of Express Financial & Insurance Services can answer questions concerning many different types of liability when it comes to commercial property and business operations. A business owner’s main priority should be protecting their company from any type of financial loss. The best way to do this is to have the right type of insurance coverage in the right amount. Don’t take chances. Have your policy reviewed today to find out if you need to increase your coverage.

Why You Should Use Cruise Control When Driving on the Highway

Santa Monica, CA is full of things to see and places to explore, but there are a lot of things to see and do once you leave the city limits.  We may find ourselves driving long distances to visit friends and family. Other times we may find ourselves in a job with a long commute. Whatever the reason, Express Financial& Insurance Services knows that costs add up and that there are ways to save when driving long distances. 

Use Your Cruise Control

Your cruise control may be foreign to you if you don’t leave Los Angeles very often, but it can make for a more efficient trip if you turn it on. It has been said that cruise control helps maintain a constant speed when driving on the highway. When you use your cruise control you may save money which will help you in the long run. 

The Proof

 In an CNN article a writer makes reference to a study comparing the fuel economy of two vehicles. The study looked at a Land Rover LR3, a Ford Mustang.  When the cruise control was set at 70 the Land Rover got 14 better mileage and the Mustang got 4.5 better percent mileage.  If the drivers had gone at self -controlled speeds they would have paid more. The owners of both vehicles would have had to stop to get gas sooner if they had not used cruise control.

The Exception

Driving on the highway can be a lot like driving in Santa Monica, CA. There are lots of people on the road and that makes for a lot of traffic. It is not appropriate to use cruise control in light or heavy traffic.

Express Financial & Insurance Services knows that we have lots of costs to worry about and using cruise control can help.

Home Renovations that can Cut Insurance Costs

Many homeowners today are looking for ways to cut back on their insurance premium. By making certain home improvements, it’s possible to qualify for reduced insurance costs. A talk with your Express Financial & Insurance Services agent in Santa Monica, CA can give you a better idea of how to take advantage of home renovations such as the following to lower insurance costs.

New Roof

By installing a new roof on your home, you reduce the risk of storms causing structural and/or interior damage to your property.  A new roof made of damage resistant materials could substantially increase your home’s protection, making you eligible for lower insurance costs.

Home Security System

A home security/monitoring system is yet another investment that could reduce home insurance prices. Modern security systems offer advanced protection against theft, vandalism, intrusion, fire, water damage and carbon monoxide poisoning. An automated security system will alert you and the authorities when these dangerous situations arise, reducing the risk of theft, health issues or having your property suffer from extensive damage. Lower insurance rate is one-way insurance companies reward homeowners for taking better care of their property.

Plumbing and/or Electrical System Upgrades

If you live in an older home, chances are your plumbing and/or electrical systems could use an upgrade. Outdated plumbing and electrical systems increase the risk of indoor flooding and fire. By updating these systems to modern standards, you can protect your property from burst pipes that can cause flooding or electrical shorts that can cause a fire.

There are numerous renovations that make a home a safer, more secure environment. Homeowners who make safety and security a priority are more apt to benefit from lower home insurance costs. At Express Financial & Insurance Services, we can advise you on ways to reduce the insurance premium on your Santa Monica, CA home without compromising your coverage.

Traffic in Santa Monica: How Your Auto Insurance Policy Helps

Traffic in California is everywhere, and it can be an extremely frustrating experience if there’s no way for you to avoid it. If you live in Santa Monica, CA, you may not think very often about the connection between traffic and auto insurance, but there’s a direct link. Find out more about how the right policy can help from Express Financial & Insurance Services.

Stress and Hazards

From road work to rain to distracted drivers, it’s not easy to take to the streets in Santa Monica, CA. The wrecks can be brutal, and the stress of both the traffic and the wasted time can really be a burden. Auto insurance is the safety net that you have to fall back on, and having the right policy can give you true peace of mind when on the road. Whether an uninsured motorist hits you or your car is flooded by an unexpected storm on a standstill freeway, you know you can take care of your car, so you always have a way to get around. 

Express Financial & Insurance Services Can Help 

Traffic increases your stress and makes it more likely you’ll make a wrong move. Call our agency to find out more about how we can combat those feelings of frustrations by giving you the protections you need. Whether it’s just you in the car or your whole family, being responsible in California is about adjusting your life to the reality of the highways out there. For all the people out there trying to get to work or just around the city, you can only control your actions. Call us today to find out more about how we can be of service or just to get a quote. 

Ways to Save Money on Home Insurance

Saving money is always a good thing, whether that involves cost savings on groceries, clothing, auto expenses or even insurance. There are definitely ways to save money on home insurance with Express Financial & Insurance Services in Santa Monica, CA. Here are some key strategies to consider.

Multiple-policy discounts

When you have more than one insurance policy with the same insurance company, you typically get a discount on both policies. So if you have home insurance plus automobile insurance with the same company, you get a discount on your policies. In many cases, the amount or percentage of the discount can be significant.

Safety features in home

Another way to save money on home insurance is by having certain safety features in your home. For example, if you have a sprinkler system that activates if a fire occurs, you will possibly get a discount on how much you pay in insurance premiums. The same goes for added locks on the doors to your house.

Special membership status

If you are a member of certain groups, an insurance company might give you a discount on your policy. This may include a membership in an alumni group, special interest organization such as an educational group or an auto club.

In some cases you can save a few dollars here and there on home insurance rates when you take advantage of cost savings available to you. In other cases, such as when you have multiple policies with the same company, the savings can be substantial. As the saying goes, every little bit helps, so don’t overlook what cost savings might be available to you when you are evaluating your home insurance needs. When it comes to cost savings, Express Financial & Insurance Services in Santa Monica, CA is here to help.

Tips for Preventing Water Damage

Water damage is something that no homeowner in Santa Monica, CA wants to deal with. It not only is something that you have to hurry to repair but it can also be time-consuming and expensive. You never want to waste time repairing it because it could become a bigger problem or turn into mold if left to sit. Instead of trying to take care of it when it happens, use these tips from Express Financial & Insurance Services to prevent it from happening. 

  • Watch your water bill for unexpected increases. If you do not have a reason for an increased water bill and increased water usage, you should be on alert if your bill is higher than normal. It could mean there is a leak somewhere and you will want to inspect it before it becomes a bigger issue. 
  • Watch where you plant trees. It may not be an issue now but if there are pipes close to the tree, they could become damaged as it grows and the roots get bigger. When planting, do not put them close to your pipes if they are underground. 
  • Never pour grease down your sink. Even if you take other precautions, it could still cause a blockage that could lead to water damage later. It is best to prevent this from happening by not doing it.

While these tips can definitely help you prevent water damage there is no way to completely prevent it from happening. The best way to protect yourself. your home, and your finances is by having a great home insurance policy with a clause that includes water damage. For more information on getting this type of insurance and to get a free quote, be sure to contact Express Financial & Insurance Services serving Santa Monica, CA today. 

Yes, California Homes Need Winterizing.

Living in Santa Monica, CA, you may not give a lot of thought to winterizing your home. The southern California weather remains mild throughout the year, unlike most of the country. You still have a few items to attend to though and Express Financial & Insurance Services would like to help. Winterizing on the southern west coast is easier than in other states, but you still have to know what to do and who to call to get it done. These tips will help you prepare your home for the upcoming drop in temperatures, rain, and morning frost. You’ll save money on heating bills, make your home more comfortable and avoid potential damage from faulty equipment. 

The Furnace

Have an HVAC professional inspect and test your furnace. The inspection catches worn or broken parts that could affect performance or blow out while running, causing further damage.  They should clean or replace your air filters. They’ll also check your attic vents and air ducts for obstructions and clear obstacles off of them in the attic or crawl space. Pinched pipes need replacing since they restrict air flow. Also, have them patch any gaps found. They may suggest you vacuum your ducts more regularly. You should vacuum them out at least every two years since dust, hair and other items clog them and restrict air flow. You may find this also helps with allergies. 

Windows and Doors

Check for drafts. Wherever you find one, caulk the window. Apply weather stripping. Try magnetic or tension seal weather stripping for double-hung windows. A draft lets in cold air and lets out your warm air so you can quickly make your home more comfortable this way. Sealing these drafts and wall cracks can save you up to 20 percent on energy costs. 

Your Fireplace

Have your chimney inspected and swept before using the fireplace. If you have a damperless chimney, have a chimney balloon installed. You’ll stop air leaks and save money on your energy bill. 

The Attic

Check your insulation to ensure it lays flat. A lumpy installation doesn’t provide adequate coverage. You also need at least 12 inches of attic insulation. Most ceiling joists are 11 inches or less, so if you see your joists, you need more insulation. While you are insulating, insulate your hot water heater, too, but with a cozy. Your water will heat faster and it’ll use less energy to stay hot. 

Winterizing a Santa Monica, CA home takes less work than in the rest of the country, but it’s no less important. Before winter hits, visit Express Financial & Insurance Services to review your home insurance coverage to make sure its meets your needs.

Don’t Be Uninsured About Uninsured Drivers

California’s minimum mandatory liability insurance just isn’t enough if you’re injured by an uninsured driver.  It does nothing to help you.  You’re only protected if you’ve caused an accident, and that protection is for the benefit of the other driver.  That’s why you want uninsured motorist coverage, and you’ll be surprised to learn how inexpensive it is.

Take a look around you when you’re on the road.  At least 12 percent of the other drivers are virtually uninsured, and at least another 12 percent are underinsured and driving on minimum coverage.  When you sign off on your auto insurance coverage, you’ll be given an option to include or decline uninsured and underinsured motorist coverage.  Given the high percentage of uninsured and underinsured drivers in California, there’s no reason to decline it.  Your underinsured motorist coverage will be packed into your uninsured motorist coverage.  You want as much of this coverage as you can get. 

Uninsured and underinsured motorist coverage not only protects you if you’re the driver or occupant of a motor vehicle who is injured as a result of the negligence of another driver. It might also protect residents of your household, especially when they’re family members.  Coverage can extend to injuries when you or one of them is injured as a bicyclist or pedestrian, and it can also cover injuries suffered as the result of a hit-and-run driver.

Here at Express Financial & Insurance Services, we service Santa Monica, CA and the surrounding area.  Don’t just drive on minimum liability coverage.  It does nothing to protect you if you’re injured through the fault of an uninsured or underinsured driver.  It does nothing to protect your family either. Express Financial & Insurance Services is an independent insurance agent.  We can customize uninsured and underinsured motorist coverage for you.

 

 

What to Look For in a Great Home Insurance Policy

When you are shopping for a home insurance policy, it is important to not only have a good idea of what you need in regards to coverage, but you should also know what makes a great policy stand out from a mediocre one. Use these tips for what to looks for in a great home insurance policy in Santa Monica, CA

  • Great Coverage Limits. For some people, a great insurance policy will meet their current needs but doesn’t always take into account any upgrades they may make to the home. That means that even if the policy covers the value of the home today, it may not cover it later on with inflation or upgrades. You want to make sure that the coverage offered by the policy is not too low or too high. You do not want it to cover a lot more than your home is worth but you want room to grow. You also do not want it to cover less than you home is worth.
  • Great Customer Service. When shopping around for insurance, it is important to take note of the customer service you receive. Also, it is a great idea to research the company to see what other people, ones that are already customers, are already saying about the company. You want to be treated well, whether you are having an issue or not with the policy or the company. Great customer service is worth paying a bit more for the coverage because you know you will always be put first.

With Express Financial & Insurance Services, you definitely find these two aspects with our company and the policies we present to you. We make sure you are taken care of and do not spend too much on your policy. Express Insurance, serving Santa Monica, CA, is here if you want to explore your options or get you a quote for a new policy.  

How To Prepare Your Home For Fall

You might not think that you have to do a lot of preparations for your home in the fall because you live in California. However, this can be a great time to get some basic things done around your home. It can also ensure you don’t encounter any issues as it starts to cool down and you prepare for the holidays.

Clean the Gutters

Your gutters have been through a lot over the past several months with all the storms. Now, have the gutters professionally cleaned so that they are free of debris. It will also ensure that there are no issues if you have a lot of leaves dropping on your property.

Clean the Pool

If you have a pool, now is the time you want to clean it thoroughly. You may want to check the filters, as well as consider getting a cover if you don’t plan on using it throughout the fall and winter months.

Have Your HVAC Checked

You may have had the air on all summer long. With the cooler weather coming in, it’s possible that you are going to turn the air conditioning off and open up the windows. Have your HVAC system checked to ensure that all is working properly. Plus, if you decide to turn on the heat, you want to do so with confidence knowing that it will work.

Conduct a Home Check

This is a great time of year to go ahead and replace the batteries within all of your smoke detectors. Check to see if fire extinguishers are still in good condition as well. You may also want to go over fire escape plans with the family and also look for any potential fire hazards. This can include stack of newspapers, magazines, and much more.

Shop for a home insurance policy you can rely on in Santa Monica, CA by contacting Express Financial & Insurance Services today.