Why You Should Get Flood Insurance in Florida

Posted on November 28, 2020November 28, 2020 by admin

Did you know that flood insurance is a separate policy from your homeowner’s insurance? It’s true and the reason why you should have a flood insurance policy in the Naples, FL area. If you think flood insurance is expensive, think again. It’s affordable and easy to obtain. If you’re still not convinced, read on to learn about three reasons why you need flood insurance, brought to you by AA Top Insurance LLC.

Protect Your Assets

When a flood comes, during hurricane season or not, your assets are in danger. Water damage is a big deal, and any flooding will wreck your home and items inside it. If a flood were to happen to your home, you’d want to protect this asset with flood insurance.

Repair Damage

Water causes a lot of damage, and if your home were to experience flooding, there would be damage when the water finally recedes. You’ll want a water restoration company to come in and clean up quickly. To pay for this, you’ll need to submit a claim for your flood insurance.

Peace of Mind

You can’t put a price tag on peace of mind. Knowing you have flood insurance to protect your home will set you at ease. You can’t always predict flooding, but you can predict how you would respond to it. By having a flood insurance policy backing you up, you won’t have to worry about the possibility of a flood.

To learn more about flood insurance, contact the friendly team at AA Top Insurance LLC in Naples, FL today. Our reputable agents are standing by to take your call and answer all your questions and concerns about flood insurance.

Condo Insurance Myths Exposed

Posted on October 28, 2020October 28, 2020 by admin

Based in Naples, FL, AA Top Insurance LLC offers residents multiple types of insurance policies. We are aware that researching different policies can be an overwhelming process. That’s why we are committed to simplifying our clients’ process so that we can help them find the coverage they need to protect themselves in any situation.

Understanding Condo Insurance

There are beautiful condos in the Ft. Meyers and Naples, FL area. If you are one of the many people residing in one of these attractive condos, you’ll want to have coverage so that your unit will be protected in the event of an emergency. Condo insurance also covers your personal items if they are stolen or vandalized. To assist you while you research different policies, here is the truth regarding common condo insurance myths.

I Have Protection Through Someone Else, So Coverage Isn’t Necessary.

This is incorrect. The protection that you have likely only covered your unit’s external parts if they are damaged. However, you’ll need your own coverage to protect your personal items inside the unit.

I Don’t Have Any Valuable Items.

All of your personal items hold some value. Condo insurance would cover you if something were to happen. The policy also covers you if you have to lodge somewhere else while your condo is being repaired.

The Policy Covers Luxury Items

Make sure that you research policies carefully because you may need to look at additional coverage if you have rare items such as luxury furs and antique paintings in your unit.

My Policy Cover A Potential Flood

If a lake overflow causes damage to your unit, you may not be protected unless you amend your policy. Not all water damage is the same.

Consult With AA Top Insurance LLC

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

How much life insurance do I need

Posted on September 21, 2020September 21, 2020 by admin

When it comes to life insurance, experts think you need between 7 and 10 years’ worth of salary to have what you need. That is a ballpark figure, and it makes sense if you are a high earner who can afford the amount of life insurance that requires. However, for many people, that won’t be practical or possible. To make sense of the figures, you need to talk to an insurance agent like those at AA Top Insurance LLC in Naples, FL.

Not every life insurance policy is the same, but by choosing an independent insurance agent, you give yourself many more options. They don’t represent just one company, so they will work for you to get the best policy and the best pricing.

When determining how much life insurance, you need to think about a few things. First, how much debt do you have? Debt is fluid, you may have a lot of debt right now, but in 10 years, you may have much less or even much more. Your goal is not to leave debt behind for your family to pay. It would help if you guessed what your debt level would be.

Who counts on you for support? If you are single and help out your parents or you have a sibling who is dependent on you, this is something to consider. If you have a spouse, partner, or children, they may require that you provide support for them over a period of years.

Your final expenses should be taken care of either through prepayment or a life insurance policy.

When it comes to how much life insurance you need, no two people will have the same requirements. It could mean that you will acquire additional life insurance as your needs change. At AA Top Insurance LLC in Naples, FL, we will work with you to find the right insurance today and into the future. Please stop by the office or give us a call. We are here to help.

Is basic auto insurance ever enough

Posted on August 30, 2020August 30, 2020 by admin

In the state of Florida, the amount of basic auto insurance required is low. It will help if you carry PIP insurance. The amount required is $10,000, and it provides for medical expenses and lost work as a result of an accident, no matter who is at fault. Florida is one of only ten states which require PIP (Personal Injury Protection) insurance. Florida residents are also required to carry PDL( Property Damage Liability) for a minimum of $10,000. At AA Top Insurance LLC in Naples, FL, we are passionate about insurance and making sure our customers get the insurance they need.

Basic auto insurance is only enough if you have no assets, are unemployed, and have a vehicle with little or no value. Since Florida is a no-fault state, frivolous lawsuits are not allowed. However, in the event of a severe accident, where you are at fault, and there is permanent injury or death, the victim (or their family) can sue. If you don’t have liability coverage, you are responsible for the judgment against you. Your assets can have a lien placed against them, and your future wages may be garnished.

Your vehicle, if it has significant value, should be covered by collision and comprehensive insurance. This will protect your vehicle from a collision where you are at fault. It will also provide a rental car while your car is repaired. Comprehensive will cover theft, vandalism, damage caused by weather, and glass breakage. All of these can be difficult to pay out of pocket without the right insurance.

If you live in Naples, FL, or the surrounding area, AA Top Insurance LLC would love to be able to help fill your insurance needs or wants. Give the office a call, or if you are in the area, stop by and get us to provide a free quote.

Why you Should Get Commercial Insurance in Florida

Posted on July 31, 2020July 31, 2020 by admin

Naples, FL is a popular community that continues to be an attractive place to own a business. This area has a robust local economy and always plenty of tourists. While there are benefits that come with starting a company in this area of Florida, there are also risks associated with it. If you are going to start a company here, it would be a good idea to get a commercial insurance policy.

Protects Business Assets

One reason why you should get a commercial insurance policy in this area of Florida is that it can help to protect your business assets. Any business owner that invests in company assets needs to make sure that their investment is protected. The best way to do this is through insurance. A commercial insurance policy will give you coverage if your assets are damaged, destroyed, or stolen. This way, you will be able to replace them if necessary.

Protects for Liability

If a business sells a product or service to someone in Florida, they are always going to take on the risk of liability. If you sell a product or service and the user gets sick or hurt because of it, you will face liability risk. Fortunately, you can get a commercial insurance policy that will provide you with coverage in the event you are sued and found at fault for the illness or injury.

There are plenty of great reasons to start a company in Naples, FL. If you do decide to open up a business in this area of Florida, you should make sure that you get a good commercial insurance policy in place. A great place to turn to when you are looking for a new commercial insurance policy is AA Top Insurance LLC. The team at AA Top Insurance LLC will provide you with the support you need to choose a commercial insurance policy that is right for your situation.

Will Home Insurance Cover the Cost of Home Repairs in Naples?

Posted on June 15, 2020June 10, 2020 by admin

Making home repairs can be an exciting project. Even if you’re just completing the practical upgrades around the home, such as patching up the roof or taking care of a crack, it can still give you a sense of pride in your property. But are those repairs covered should something happen to the structure? AA Top Insurance LLC in Naples, FL wants you to know more.

Standard Home Repairs

Necessary home repairs are generally covered under your policy. This is because they don’t increase the value of your property; they only maintain it. So if you’re performing general maintenance, then you should be safe should a covered event happened to you.

Now, this does not mean that home insurance will pay for standard maintenance, only that it will pay for the repair of it if something does occur. For example, let’s say you replace your water heater because it’s getting old. The new water heater is of about the same quality as the old one. Should the new water heater be damaged in a storm, then you can file a claim for the cost of replacement.

Home Upgrades

What home insurance won’t cover is the significant upgrades — unless you make a change to your policy. Anything that drastically increases the value of your property, such as luxury appliances or new home additions, will need to be factored into your coverage for it to be covered.

If you’re concerned about whether you have enough coverage for your home insurance policy, call AA Top Insurance LLC today. We can help you decide if certain repairs are significant enough to warrant a change in your policy.

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Why You Should Get Flood Insurance in Florida