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AA Top Insurance

2520 Sailors Way
Naples, FL 34109

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Common Myths About Boat Insurance

Understanding insurance policies, especially if you have never dealt with them before, can be quite complicated. Many people turn to their family members and friends to get information and advice on different types of insurance, including boat insurance. Unfortunately, these people do not always have the correct information, which leads to misconceptions and myths. Here is a list of the most common myths about boat insurance. 

Myths About Boat Insurance

  • Your home insurance covers your boat as well. Even you keep your boat on your property, there is no guarantee that your home insurance policy will cover it. There are some homeowners policies that do provide coverage for boats and coverage, but this coverage is very limited. 
  • You are covered no matter where you are located. Most boat insurance policies cover only a certain area – in which you go boating most of the time. Therefore, if you decide to travel somewhere else, you should know that most likely you and your boat will not be covered. 
  • The cost of my boat insurance is not affected by my driving record. Unfortunately, people do not know about it, but your driving record has an impact on your boat insurance rate. For example, if you have had tickets in the past or were involved in car accidents, your boat insurance will be more expensive. 

AA Top Insurance LLC serving Naples, FL – We Help You Get Insurance You Need

Are you a lucky boat owner living in Naples, FL or another surrounding town, and are you thinking of getting boat insurance? AA Top Insurance LLC is the right company to contact. Our insurance agents are knowledgeable and specialize in all types of insurance, so they will be able to answer your questions and help you choose the policy you need. For more information, do not hesitate to visit our website or give us a call. 

What Businesses Need Umbrella Insurance?

Umbrella insurance is a policy type that few people understand because those outside the business world rarely use it. However, your firm may fall within the umbrella insurance need, so make sure you contact us at AA Top Insurance LLC serving Naples, FL, to learn more. 

How to Tell If You Need Umbrella Insurance 

While the number of businesses that need umbrella insurance is relatively high, you may not necessarily qualify if your company just doesn’t need this type of protection. Just a few factors to weigh when you’re considering this coverage option include:

  • High Risk of Liability – Does your business have a potentially high risk of severe liability claims? Then, you may need an umbrella insurance policy. 
  • Inadequate Liability Coverage – If you have liability coverage but find that it doesn’t suit your needs, an umbrella policy may be a good choice for you. 
  • High-Value Business Ownership – When your company is worth a lot of money, you may want an umbrella policy to cut back on your risk of profound loss in a lawsuit. 

Typically, companies like health firms, transportation companies, sports teams, various travel guides, and much more all need liability. However, if the health and safe of others are in your hands, umbrella policies may help keep you from suffering a devastating lawsuit if anything goes wrong.

Help Is Here for You 

Do you want to protect your business with high-quality umbrella insurance policies? Then, it is a good idea to reach out to us at AA Top Insurance LLC serving Naples, FL, to learn more. We’ll help you figure out what kind of policy makes sense for you and give you the help needed to thrive. And we can even set you up with an umbrella insurance policy based on your company.

Fast Facts about Flood Insurance

Water can cause a great deal of damage. An inch or two can cause thousands of dollars worth of damage. Flood insurance is usually excluded from homeowner’s policies and must be purchased separately. Naples, FL is a mere 91cm above sea level and is situated close to the Everglades, which may experience flooding in the wet season. It makes sense to protect your home and assets with flood insurance. AA Top Insurance LLC would like you to know the following when it comes to flood insurance.

  • The Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program (NFIP), of which Collier County is a participant.
  • Flood insurance from NFIP is considered an asset.
  • NFIP costs less than federal disaster loans
  • Flood insurance is mandatory if you live in a Special Flood Hazard Area (SFHA).
  • After you purchase flood insurance, there is a 30-day waiting period before it takes effect. There are two exceptions to this. The first is purchasing insurance when you are taking out or revising a loan. The second exception is when you purchase insurance during the year following the issuance of the community’s flood map.
  • Flood insurance is usually an annual premium.
  • Your premium is affected by your flood risk and several other factors related to your structure, like age and positioning of your utilities.
  • Flood insurance is available for most structures, including homes, condos, businesses, and farms.
  • Flood insurance can cover both structural and contents damage, depending on your policy.
  • Flood insurance may payout even if a federal disaster is not declared.

In summary, flood insurance is incredibly important, and you should always consider it a necessity. AA Top Insurance LLC serving the city of Naples, FL is available to assist you, so contact them today for peace of mind.

Why you need condo insurance in Naples, FL

Naples, FL is a gem on the southwestern coast of Florida. It is a popular place to retire, but it also has lots of energy and opportunities for enjoying the beautiful beaches and ocean sports. Owning a condo in Naples is one way to break into a rather pricey home market. At AA Top Insurance LLC in Naples, FL, we are committed to supplying our clients with exceptional customer service and making sure we are there for them when they need us most 

Even in a beautiful place like Naples, bad things happen. If a covered peril happens at your condo complex, being able to afford to have your unit repaired is important, and it may require that you have condo insurance. Your condo association does have insurance that covers the exterior and the common areas. This includes things like the pool area, walkways, and parking lot. You are responsible for the interior of your unit. 

Condo insurance covers a few different things. It includes the parts of the building that are your responsibility which really depends on the condo master policy. Walls in means that you are responsible for everything from the walls in. This makes cabinets yours to replace. Your condo insurance also covers all your personal items which include furniture, electronics, appliances, jewelry, and clothing. 

Condo insurance includes liability coverage so that if anyone gets injured while visiting your condo, you are covered against legal action. 

If your condo is damaged, and you have loss of use coverage, the insurance will help to pay for a place for you to stay while your unit is being repaired. This offers a lot of peace of mind knowing you will have a place to stay. 

Give us a call at AA Top Insurance LLC in Naples, FL with all your condo insurance needs. 

Important Benefits Of Life Insurance Policies

AA Top Insurance LLC offers multiple policies to the Naples, FL community. We want to provide solutions to our client’s insurance questions. We have flexible policies so that you can have a sense of security in knowing that your individual issue will be taken care of. Providing excellent customer service is important to us.

Important Benefits Of Life Insurance Policies

Life insurance is an uncomfortable topic for many people. However, the policy allows you to leave something behind for your loved ones after you have passed away. Life insurance provides benefits that can help your loved ones finalize your estate or plan your funeral expenses. You may opt for a term life policy that offers coverage for a specified number of years. Whole life policies are another option. This covers you over the entire course of your life. Here is a look at some common benefits of having life insurance.


Think about how your passing may impact your loved ones. Perhaps you are the primary provider for your family. Your passing may cause a significant hole and leave your loved ones wondering how they will cope. Life insurance allows you to provide stability. Your loved ones can use the benefit to help move forward.

Planning For The Future

If you have children, you can use your policy to secure their future. You can help them if they choose to attend college in the future. Maybe you own a Naples, FL business. You can leave something in place to help your loved ones take care of the business after you have passed away.

Charitable Endeavors

You can also use your life insurance policy to give back to charity. This is one way to leave a lasting legacy after you have passed away.

AA Top Insurance LLC Will Help You Find Coverage

Visit our website to learn more information about life insurance.  

AA Top Insurance is Your Naples FL Auto Insurance Solution

For Naples, FL drivers searching for insurance, our team here at AA Top Insurance LLC has answers to your questions.  We specialize in helping Florida drivers get on the road legally with the proper amount of auto insurance, but more importantly, we are standing by with support in the event of a traffic accident.

Auto Insurance Requirements in Naples, FL

At the very minimum, Floridians have to demonstrate that they have financial responsibility through possession of minimal liability insurance as a condition of getting behind the wheel of a car.  These policies mandate coverage for injuries to a single person, more than one person, as well as additional coverage to cover and property damage that results in an accident. 

What this means in practice is that while you can legally drive on Florida roads, your vehicle would not be subject to coverage without a full policy in place.  Whether or not a full coverage policy is the best scenario for your situation means sitting down with a licensed insurance agent to discuss your full range of vehicle insurance options.

An AA Top Insurance representative can sit down with you and discuss all of your available insurance options.

Contact AA Top Insurance LLC for Your Auto Insurance Needs

Drivers in Naples, FL are welcome to come to visit our trusted, friendly, and knowledgeable agents to discuss the details of your auto insurance needs.  Every driver’s situation is different, so a one size fits all policy is hardly the correct prescription from one driver to the next. 

When you are looking to find a policy that is the perfect fit for your situation, our AA Top Insurance agents are standing by to help you make an informed decision of what policy options are available to protect you, your family, and your property.

Types of Commercial Insurance and The Benefits

When you own a business in Naples, FL, stress levels can be high. From day-to-day operations to managing risks, business ownership can be a daunting task. Fortunately, for some facets of your business, you can transfer the burden to a trusted partner. That said, when it comes to commercial insurance, you can trust AA Top Insurance LLC to handle the headache on your behalf as you concentrate on more pressing matters.

Types of commercial insurance and how they benefit your business

With many commercial insurance options in the market, it can be challenging to decide what is appropriate for your business. However, you can put this confusion to bed with the insights below on commercial insurance types and how they protect your business.

  • Commercial auto insurance: It’s mandatory in most states and is required for vehicles used for business purposes. This insurance covers your business against liabilities, damage to the vehicle, and medical costs arising from auto accidents where your driver is at fault.
  • Workers compensation insurance: It’s also required in most states and pays for medical expenses arising from work-related injuries. Furthermore, it protects businesses from lawsuits arising from workers who might sue you for injuries suffered in the workplace.
  • Cyber liability insurance: With increased technology use, cybercriminals are ever-changing their tactics to exploit businesses. Thankfully, when you have cyber liability insurance in the pocket, your IT architecture is protected against data breaches and cyberattacks. 
  • Business owner’s policy (BOP): Because many businesses are susceptible to liabilities and property damage, this coverage ensures that businesses are well-protected from property damage and liability losses, ensuring business continuity.
  • Professional liability insurance: It covers legal costs of alleged professional negligence or missed deadlines. 
  • Commercial umbrella insurance: While you may have business liability coverages, they may fall short when your business faces significant financial liabilities. That said, this coverage kicks in when your standard liability coverages run out.

Commercial insurance in Florida

Are you a business owner in Naples, FL, and the nearby areas? Please get commercial insurance from AA Top Insurance LLC. Here, we hold your business interests at heart. When you partner with us, we will evaluate and recommend commercial insurance options that make financial sense to you. Contact us today.


What Does Good Home Insurance Consist Of?

If you have just bought your dream home in Naples, FL, the next step should be getting home insurance from AA Top Insurance LLC. With an insurance policy, you will know that your valuable property is highly protected against uncertainties. Before buying your home insurance policy, it is always important to understand what your home insurance policy will be covering. Good home insurance coverage should consist of the following aspects. 

Should Cover Your Structure

Good home insurance should make sure that it covers the entire structure. Some of the important uncertainties that should be covered include fire, floods, hails, hurricanes, and earthquakes. It is necessary to make sure that your home insurance covers extensions such as home garages and gazebos.

Should Cover Your Personal Belongings

Besides covering the entire structure and some of its extensions, it is always necessary to ascertain whether your home insurance covers your personal belongings. In this case, your furniture, clothes, and other important items such as sports equipment should be covered by your home insurance. Ensure you provide details about all the personal belongings in your home when you are buying home insurance.

Should Cover Liability Protection

Another important aspect that a good home insurance policy should not miss is liability protection. In this case, any person who is injured within your premises through acts of omission or commission will be covered by your home insurance. Sometimes home insurance policies extend to the point of covering pet injuries in your property, which is critical liability coverage. 

Do You Need Home Insurance?

If you need good home insurance covering all the aspects discussed above, contact AA Top Insurance LLC. We are a leading home insurance provider in Naples, FL, and we will provide a home cover that meets your specific needs.

Why do I need classic car insurance in Naples?

If you are in the Naples, FL area and are a car lover, you likely dream of driving through the town on a beautiful day in your very own classic car. If you are going to get a classic car at some point, having the proper insurance is very important. There are many reasons why you need to have a classic car insurance plan when you live in the Naples area. 

Coverage Offers Realistic Liability Coverage

All vehicle drivers, including those that drive classic cars, need to abide by state law regarding liability coverage. Those that have a classic car often drive it sparingly. Due to this, the actual liability risk that you present to an insurance company is quite low. The insurance company can consider this when building a classic car plan and determining your premiums. 

Coverage Protects Vehicle

A classic car is a unique vehicle as it can appreciate greatly over time. While most cars will lose most of their value as the years go by, a classic car could be worth a lot more money. If you get a classic car plan, you will have a chance to negotiate coverage amount with your insurance provider. This can help ensure that you get proper insurance coverage to protect your car and investment value. 

If you would like to get a classic car insurance plan and are in the Naples, FL area, it would be wise for you to call AA Top Insurance LLC. The team with AA Top Insurance LLC understands how valuable this coverage can be for a classic car owner. They will help you assess your needs and build a plan that works for your situation. 

Frequently Asked Questions About Florida Boat Insurance.

People move into the lovely state of Florida every day. And often, when they move here, they are eager to buy their first boat and start enjoying all the sparkling waterways, lakes, and oceans. (There are seems to be endless miles to explore.) AA Top Insurance LLC serves Naples, FL with quality insurance services for many aspects of life, including recreation. Here are some common boat insurance questions we receive.

Florida Boat Insurance FAQs:

  • Do I need insurance year-round? Most people use their boats in Florida year-round if they live here full time, so yes, the amount of coverage should not fluctuate with Florida’s seasons. If you store your boat while you travel or for a portion of the year, then marinas often have their own storage insurance requirements. Some people who keep their boats in a garage for several months of the year may choose to reduce their policy, though. 
  • What type of insurance is required in Florida? Boat insurance is not a legal requirement in Florida. However, your lender or marina may have requirements to get the loan or to store your vessel. This is to protect you and your lender or storage center from carrying all the costs of repair. 
  • Do I need a different coverage for the ocean compared to the rivers? No, the coverage does not change depending on the type of water. The coverage starts with basic liability and builds up depending on your specific needs and particular risk. 

Contact us at AA Top Insurance LLC if you are looking for boat insurance in or around Naples, FL. We serve the area with pride, and we are happy to answer any questions you have about insurance for veritable aspects of your life.

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