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AA Top Insurance

2520 Sailors Way
Naples, FL 34109

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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 Should Get Flood Insurance in Florida

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. 

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