Express Financial and Insurance Services

Express Financial & Insurance Services

Express Financial and Insurance Services
Express Financial & Insurance Services, Inc. has over 54 years combined experience helping local residents make decisions concerning Personal & Business insurance, taxes, and other financial services.

Its local service area includes Santa Monica, Mar Vista, West Los Angeles, Brentwood, Westwood, & Palms

Let it help you better protect yourself, your family, & your business.

Here’s how: as an independent insurance agency it represents you rather than any particular insurance company. We put the insurance companies in direct competition for your business, resulting in lower rates with better coverage. With us constantly monitoring the insurance marketplace, you’re guaranteed the best possible coverage & price.

Express Financial & Insurance Services works directly with you to tailor policies and services to fit your specific personal and commercial needs.

Express Financial & Insurance Services dosen’t only offer its clients insurance it offers you its service and dedication to you not the insurance company.

You’ll never have to deal with an automated service, just a few selected trusted professionals. In case you like to go online and request policy changes and print out insurance documents on your own, it offers that service and capability to you as well.

what is insurance options in Express Financial & Insurance Services?

Auto Insurance

Getting insurance for your car isn’t simply about complying with California state law; only getting the minimum coverage could leave you underinsured. Your auto insurance exists to protect you from the financial hardship of repairing or replacing your car. At Express Financial & Insurance Services, it understands and are here to help you.

Coverage Options

The Golden State, California, has established minimum requirements for auto insurance, but all too often the minimum isn’t enough. Thoroughly consider possible coverage options for auto insurance, including:

Liability Coverage

Insurance coverage that may protect you in the event that you cause property damage or bodily injury to another person. Consider the multiple options for coverage limits to ensure you have financial protection from accidents while driving on the highway.

Collision Coverage

Its independent insurance agents offer great rates for collision coverage. Collision coverage may help you cover the costs of repairs to your vehicle following an accident.

Comprehensive Coverage

Comprehensive coverage may help you protect your car from more than just accidents. For instance, you may receive repairs for your car with this coverage if it was damaged during severe weather.

Beyond these coverage options, its Santa Monica, CA auto insurance agents have more coverage options available to ensure you are safe from driving hazards.

Its Difference

All insurance companies aren’t created equal. With Express Financial & Insurance Services, it creates value for its customers. Along with its suite of auto insurance services, its knowledgeable agents make the difference. It offers:

Up-to-date insurance products
Expert independent insurance agents
Competitive rates
Reliable service

Commercial Insurance

What Kind of Commercial Insurance Do California Businesses Need?

The exact type and amount of coverage depends upon the nature of the company. Of course, a dentist’s needs will differ from a trucking company or donut shop. The California Department of Insurance lists these as some common kinds of commercial policies that business owners and managers may consider:

Property insurance
Liability insurance
Business interruption insurance
Workers’ compensation

Small businesses might consider something called a business owners policy, usually shortened to BOP. These provide an all-in-one package of protection that may be cheaper and simpler to purchase and manage than purchasing every kind of coverage separately. Many insurers offer discounts to companies that place multiple lines of insurance with the same company.

In addition, quality insurance companies and agents can provide a lot of good advice about steps to take to keep premiums as low as possible. Business owners and managers might invest in improvements to their buildings or safety programs that can help reduce the risk of hazards and also help save money on commercial insurance premiums.

At Express Financial & Insurance Services, its experienced agents can help your business by providing multiple commercial insurance quotes to compare and advice about the right kind and amount of business insurance. With the right information and insurance coverage, you can minimize the risks to your business.

Home Insurance

Purchasing a home in California is a huge investment and finding affordable home insurance is essential. No matter where you live or what type of a house you live in, you need to protect your belongings in the event of a fire, theft, or other disaster. Its independent insurance agents with Express Financial & Insurance Services are here to help you compare quotes to find an affordable rate.

Protecting the structure of your home and other buildings on your property is important when you have invested a lot of money in a comfortable house for you and your family. You will need to determine the value of your home before purchasing home insurance. Santa Monica, CA home insurance agents understand the types of perils that often affect the area. If you are worried about fire or earthquakes, its agents can answer your questions and help you find an insurance plan that makes sense for your family and your situation.

In addition to protecting the structure of your home, you will need to purchase coverage for your personal belongings. One of the easiest ways to determine how much coverage you need is to take an inventory of all the items in your home. You can do this by listing them individually, or taking pictures or video to document the condition of your electronics, furniture, and collectibles. Independent insurance agents with Express Financial & Insurance Services are available to compare quotes and find rates that will fit your budget.

Discounts can also be found when purchasing California home insurance. You may qualify for a multiple policy discount or if you install safety features you could save a couple hundred dollars a year.

Life Insurance

When you’re in California, you should always be thinking about ways to protect your family. Life insurance is something that everyone should have, and there are various options that you can explore to ensure that it is always affordable.

Life insurance is a type of policy that you can have in place in the event of your death. This is something that would be paid to your loved ones so that they can pay for things such as burial expenses, credit card debt, and more. The money can be used to send your kids to college, cover various living expenses, and anything else that may arise now that you are no longer around.

This is a form of protection that you can think about now. There are Santa Monica, CA life insurance agents who can help you determine what type of insurance is best for you and your needs. There is term life insurance, which is available for a specific term of your life – ranging from 5 to 35 years. There is also whole and universal life insurance, which provides various added benefits, including a cash value.

You will have to determine which policy is best for you so that you can offer some kind of financial protection to your family. You do not want to think about your own mortality, but it is something that needs to be done so that peace of mind can be enjoyed on a day-to-day basis. This way, should something happen, you know that your family is well cared for, despite them no longer receiving your income.

Health Insurance

As required by the Affordable Care Act, you need to have health insurance. There are many possibilities throughout California, including getting a policy through your employer or on your own. It’s important to get the coverage that you need at a premium that you can afford.

There are many things that you will want to explore with health insurance. This includes looking at the full level of coverage that you will have, as well as what your out-of-pocket expenses are going to be beyond the monthly premium that you pay.

Santa Monica, CA health insurance agents can work with you on establishing the best policy. This will allow you to look at what kind of coverage you can have for yourself as well as for the whole family. You can get coverage not only for preventative and for every day care, but also for emergency room visits, prescription, and even home healthcare should you ever need it.

You never know what is going to happen and therefore you want to be covered. Health insurance does not have to be expensive and there are options that you can look at in order to keep costs down. At Express Financial & Insurance Services, it works with some of the top insurance companies throughout the state and this works to your advantage so that you can have more options in front of you. It can also talk to you about the various pros and cons between the different plans that exist.

Call its independent insurance agents at Express Financial & Insurance Services in order to learn more about health insurance. An affordable policy can be found, and it can contact multiple insurance companies to obtain quotes on your behalf. This will make it easier for you to get a policy.

Condo Insurance

As Santa Monica, CA. condo insurance agents, it hopes to help its clients understand how coverage for condominium units differs from other kinds of home policies. Though these policies are similar to both California homeowners and renters insurance, there are some important differences.

Understanding California Condo Insurance

People who own a condo unit typically belong to an association of all of the owners in a building or complex. This association holds a policy that covers the external part of the building. It also covers common areas like a pool, a meeting room, corridors, and laundry rooms. This means that each individual owner will only be responsible for insuring the inside of their unit.

Condominium policies may cover:

Structures that are internal to the unit: Since the association policy covers the external building, this covers the inside of the unit.

Personal property: This helps cover personal possessions.

Loss of use: This policy feature is sometimes called relocation assistance and it may help owners find temporary housing if they need to move out because they cannot live in the unit due to a covered hazard.

Liability: This part of the policy helps protect the unit owner in case a visitor claims that they were injured or had property damaged because of the owner’s negligence.

According to the California Department of Insurance, earthquake insurance is not automatically included in typical policies. In some parts of the state this might be an important consideration.

At Express Financial & Insurance Services, it understands how important your home is to you and how different condo policies can best serve different customers. As independent agents, it can shop the local insurance market to help you find quality coverage at a sensible price.

Renters Insurance

Finding a renters insurance policy that meets your needs is of the utmost importance if you rent. Whether you rent an apartment, townhome, half of a duplex or a single-family house, you need protection for you, your family, and your belongings. If you lease a place in Santa Monica, CA, renters insurance agents would love to help you find a policy that will provide you with the coverage you need.

Plenty of Protections

Renters insurance provides tenants with lots of protections that are specifically designed to meet the needs of residents who rent. For instance, when shopping for renters insurance you might come across the following coverages:

personal property coverage for your personal possessions
personal liability coverage for you and your family
loss of use coverage for your apartment

Each of these coverages, along with any others that you come across, can be tailored to your needs by adjusting limits and adding riders (if needed). When you call it at Express Financial & Insurance Services, one of its independent agents will help you compare policies and find the precise coverage you’re looking for.

Lots of Options

At Express Financial & Insurance Services it is an independent agency, its agents are able to help you look at policies from any California insurer. Its independent insurance agents can quickly obtain several quotes on renters insurance for you. With them laid out side-by-side, it’ll be easy for you to compare coverages and premiums. Of course, if you have any questions about specific policies, its agents will help you.

Other Insurance

At Express Financial & Insurance Services, it serves the community of Santa Monica, CA. Independent insurance agents at its office help residents find a variety of different kinds of insurance, including coverage for their recreational vehicles. If you have an RV, ATV, motorcycle, boat or watercraft, it can help you find coverage for it.

Insuring All Types of Fun Vehicles

Insuring your fun vehicles is just as important as insuring your automobile, although insurance for your ATV, boat or watercraft might not be required by law. No matter what type of vehicle you enjoy spending your free time enjoying, it can help you find coverage for it. If you drive an RV or motorcycle on public roads, it will make sure your policy at least meets California’s minimum insurance requirements. Even if you don’t go on public roads it can help you find insurance coverage.

When you contact its office one of its agents will go over the different available coverages with you and help you select which ones you want. A few of the coverages you might be able to choose, depending on the type of insurance you need, include:

liability coverage
comprehensive and collision coverage
personal injury protection
Finding Affordable Policies

At its agency, it doesn’t think insuring a recreational vehicle should cost a fortune. It will do everything it can, including comparing policies from many different insurers in the state, to find you a policy with reasonable premiums. By shopping around, its agents will help you save money on insurance, so you have more funds for your hobby.

how can i contact Express Financial & Insurance Services?

3222 Santa Monica Blvd.
Santa Monica, CA 90404

Phone: 310-453-5736
Fax: 310-453-5746

Email: [email protected]
Website: www.expressfinancial.net

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