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AA Top Insurance

2520 Sailors Way
Naples, FL 34109

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

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. 

Partner Carriers


  • Assurant Flood
  • Citizens
  • Federated National Flood
  • First Comp
  • Florida Peninsula
  • Foremost Commercial
  • Bristol West
  • Mercury
  • MetLife
  • Nationwide
  • Olympus
  • Prepared Insurance
  • RLI
  • Safeco
  • Starr insurance
  • St johns Insurance
  • The Hartford
  • Travelers
  • United Property and Casualty
  • Universal Property and Casualty
  • Usassure