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2753 Vista Parkway Suite J3,
West Palm Beach, FL 33411

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Flood Insurance for Low-Risk Zones

You live in an area where floods are not likely, but you’ve been told you probably need flood insurance anyway. Why is that the case? Let us at Atlantis Insurance Inc. explain why residents in low-risk flood zones in West Palm Beach, FL should seriously consider flood insurance protection.

Do You Even Need Insurance in a Low-Risk Zone?

Did you know that about 25% of all flood insurance claims come directly from areas with low or moderate flood risk? While that means 75% still occur in high-risk areas, living in a low-risk area does not mean "no risk." Floods can occur in many situations when you least expect them. 

That’s just one reason why these policies are so important to consider. People in low-risk zones often don’t have the preparation skills that those in high-risk areas possess. As a result, they may even be at a higher risk of losing their items because they do not have an adequate flood insurance policy.

What Does Flood Insurance Cover?

Flood insurance will cover any damage to your home or material loss directly caused by a floor. It does not cover any natural wear and tear damage that may occur to your home over time. Some may not cover damage caused by the flood but worsened by poor maintenance management. 

However, a high-quality flood insurance policy will cover most flooding situations to provide you with the help you need to recover. Many even include temporary relocation coverage, meaning that they’ll pay for you to stay in a hotel or a temporary rental area while your house is repaired.

Where Can You Get a Policy?

Flood insurance for low-risk zones provides a strong level of protection that will minimize any problems you might experience. So please reach out to us at Atlantis Insurance Inc. to get the West Palm Beach, FL flood insurance that you need to avoid long-term concerns.

Condo Insurance 101: The Basics You Need to Know

Buying a home is one of the most exciting times in a person’s life. You’ve saved money for years, made sacrifices along the way, and kept your eye on the prize. Now you’ve done it! Your very own condo in West Palm Beach, FL. What could be better than living and owning a home in Florida? It’s paradise! 

Atlantis Insurance Inc. wants to remind all homeowners in Florida that maintaining a condo insurance policy is required here, but you may be paying for more than what you actually need. 

The Right Insurance for Condo Owners

You may have purchased homeowner’s insurance as a condo owner, assuming all the coverage in the policy was also necessary for your condo. Unfortunately, this isn’t always the case. If you own a condo, the community you live in is maintained by a Homeowner’s Association (HOA) and they often cover some of what a homeowner’s policy would, like the exterior walls and common areas. 

Just like homeowner’s insurance, condo insurance protects you in the event that your property is damaged or from a severe storm or other natural disaster. Living in Florida, you know the weather can often surprise us, and out of nowhere, we’re suddenly in the middle of a downpour. It can be dangerous, and you want to protect your home when these things happen.

The team at Atlantic Insurance Inc. can help condo owners to determine which policy is best for them, what their HOA actually covers, and what kind of coverage they need in West Palm Beach, FL. Don’t assume you have the coverage you need simply because you bought a homeowner’s insurance policy. Condo insurance has different requirements, and you’ll want to be fully and properly insured. 

Why Florida Truck Drivers Need Trucking Insurance

In order to stay compliant with Florida laws, trucking insurance is required to drive any commercial truck or tractor-trailer.

Florida is a popular state to visit, with tourists and travelers coming from all over the world to experience the pristine beaches, exciting nightlife, and unique local eateries. Because of the massive number of visitors each year, roads can become a risky place for truck drivers to feel safe driving on the busy interstates and freeways.

The best way to drive with peace of mind is to have trucking insurance. 

If you are a commercial truck driver looking for more information on the right trucking insurance for you and your rig, look no further than Atlantis Insurance Inc. in West Palm Beach FL and surrounding areas. Trucking insurance can be confusing because drivers don’t always know exactly what property they need to be covered, and that’s where we can help. 

Finding the right trucking insurance in Florida begins with assessing the type of truck you drive. Other potential risks include the types of cargo being hauled, materials present in the truck that may be dangerous, or the number of passengers in the vehicle at any point in time. With this information in mind, you’ll be able to assess your options and select a policy that protects your rig, your business, and your financial investment. 

Contact the team at Atlantis Insurance Inc. to find the best trucking insurance policy in West Palm Beach, FL. We’ve been helping truck drivers ensure that they’re fully protected on the road, no matter where they’re headed. If you need this kind of clarity, we’re here for you.

Required Auto Insurance in Florida

In Florida, there are specific auto insurance laws that pertain to Florida drivers and car owners. There are two types of coverage that are required by law, and there are several others that are highly recommended for drivers though not required by law. If you need auto coverage, contact us today at Atlantis Insurance Inc. in West Palm Beach, FL.

Personal Injury Protection

Florida is considered to be a no-fault state. That means that each driver must have their own personal injury protection policy. This policy has a set amount that is allowed for medical bills after an accident. The amount required by the state is fairly low, though, and a serious accident would cost more than the minimum required amount. It’s recommended that you raise the amount you are covered for. 

Liability Coverage

There is a low amount required for property damage liability. This is coverage for the driver of the other vehicle if you were responsible for the accident. This coverage pays for the damage that your vehicle causes to theirs. The amount required is low, however, and raising it can help you to meet those charges if and when the day comes. 

In Florida, there is no amount required for bodily injury liability. The state relies on personal injury protection coverage to take care of injuries and so does not make bodily injury liability coverage required. However, your medical bills after an accident can easily outstrip your personal injury protection. That’s why it’s a good idea to add bodily injury liability to your policy. If you were to be at fault for an accident in which someone was injured, and they used all of their personal injury protection, you could be sued for the rest. If you have this liability coverage, the policy would pay toward that overage. 

Get Covered

To get your auto coverage, contact us at Atlantis insurance Inc. in West Palm Beach, FL. 

How to Help a Senior Loved One Make Financial Decisions After a Loss

Photo via Pixabay

Losing a partner or spouse is devastating, and many seniors who face this life-changing event are left not only with their grief but also with difficult decisions about their finances. Looking into the future after a loss can be scary, especially if the loved one who passed typically handled the household finances; the person left behind may be worried about how to handle their budget with only one income, or how to ensure that they can stay comfortable throughout their post-retirement years. Fortunately, there are several things you can do to help your loved one make sure their finances are in good shape, which will alleviate some of their stress.

It’s important to remember that big decisions, such as selling your home, should be considered carefully. Your loved one may be eager to put the past behind them and move forward in order to start healing, but it may not be a great time to put a house on the market, or they may not be financially prepared to make repairs and updates to the home to get it ready to sell. Help your loved one take stock of all the details before they move forward.

Here is a brief guide for helping a loved one make financial decisions after losing a spouse.

Focus on Care Options

Now is a good time to decide whether your loved one will need some type of long-term care. Some options to consider are assisted living, memory care, and independent living. Each one represents a different level of care; for example, if your loved one chooses an independent living community, they will live in a smaller space, can socialize with other seniors, and have access to a range of amenities like meal plans, fitness classes, and concierge services. Additionally, your loved one will no longer need to stress over maintaining their household, as many facilities offer services for laundry, housekeeping, and other tasks. Costs can vary depending on the facility you choose. Consider touring a few facilities to discover their amenities and specific costs.

Make Sure They Have Health Coverage

One of the most challenging aspects of getting older is finding the right health care. As beneficial as Medicare is, it can be difficult for seniors to keep track of deadlines, important dates for changes, and copayments. Talk to your loved one about signing up for a Medicare Advantage plan, which will help cover things like dentist visits and eye exams. These plans are offered by private companies and help many older adults pay for care that isn’t covered by Plans A or B.


One of the best things you can do to help your senior loved one is to help with downsizing. While moving to a smaller home can be beneficial in many ways — including saving money and added safety — selling a home is a huge process that often requires spending quite a bit of money. Research home prices in your area to determine the amount your home is worth (there are websites that can assist you with this part) and estimate how much your senior loved one may be able to earn from selling their home.

Downsizing is also time-consuming, as your loved one will need to go through all their belongings and make decisions about what to keep in their new, smaller home. Once they have decided to downsize their belongings, make sure they understand the pros and cons of this decision and help them get organized to make the job a little easier.

Before selling, it’s always a good idea to connect with an expert realtor. A knowledgeable and skilled agent can remove the stress out of selling your loved one’s home by marketing the home effectively to sell it for the highest price.

Work on a Budget

Setting a budget is essential for a senior who has recently lost their partner. Even if they have savings, they may need to use some of that for funeral arrangements, moving, or for daily living, especially if their spouse was the only one with an income. So, talk to your loved one about how they can set a budget and stick to it. This might include anything from rethinking the way they shop for groceries to selling a vehicle they don’t need.

Talk About Life Insurance

If your loved one’s spouse had life insurance, it can not only help pay for their final arrangements, but it can also help with medical bills or other outstanding debts. Make sure your loved one understands all the ways they can use the payout, and start a conversation about whether they have their own policy. It’s not always an easy talk to have, but it will be beneficial for both of you, allowing for peace of mind during a difficult time.

Helping a senior loved one make financial decisions after losing their spouse can be tricky as well as emotional. However, it’s essential to make sure they don’t jump into anything right away. Whenever possible, put off major decisions until they’ve worked through the worst of their grief in order to minimize stress and anxiety. By taking steps to help them stay financially sound, you’ll be giving them the ability to ensure their quality of life going forward

How Can Commercial Insurance Protect Your Business?

The investments you make into your business are important, but protecting those investments is even more important. The way you protect your business will determine your long-term success. At Atlantis Insurance Inc, serving West Palm Beach, FL, we can help you better understand how commercial insurance will protect your business. 

How Can Commercial Insurance Help Me?

If you are a business owner, commercial insurance was developed with you in mind. It is a specific type of insurance product which bundles many different types of coverages together. This product provides comprehensive protection for the many components of your business. 

What Types of Coverage Are Offered?

Because your business is a very unique institution, your insurance needs will be unique as well. An insurance representative can help you evaluate and determine the types of coverage you will need. In general commercial insurance will provide the following types of coverage:

  • Property damage- Property damage coverage will help to reimburse you if your business property sustains damage. This type of coverage can also help pay for expenses incurred due to burglary. 
  • Vehicle Coverage- Sufficient auto insurance is essential if your business operates vehicles. Commercial insurance can bundle auto insurance into your policy to keep your vehicles and drivers safe. 
  • Liability coverage- If an employee or a customer is injured at your place of business or as a result of your goods or services, you could be held personally liable for those expenses. Liability coverage will help protect your assets in the event that this happens.

If you would like to learn more about insurance products or the services that we provide, please contact us at Atlantis Insurance Inc. serving West Palm Beach, FL.

When Should I Review My Home Insurance Policy?

Most West Palm Beach, FL homeowners faithfully maintain their home, but this doesn’t apply when it comes to home insurance. After buying and continually renewing home insurance, many don’t update their policy to ensure their current needs are covered. This trend is dangerous in two ways: you could be underinsured or over insured — and both are not prudent for your finances. 

If you are wondering when to review your home insurance policy, hang on as Atlantis Insurance Inc. guides when you should update your policy to ensure you have the right coverage. 

How often should I review my home insurance plan?

As a rule of thumb, you should review your home insurance at least once a year. But what changes should your home insurance agent be aware of? Here is a list.

Personal life changes

There is a lot that can happen in your personal life within a year. If the below changes happen in your life, ensure that your insurance agent is aware.

  • You get married or divorced
  • You start a home-based business
  • You are blessed with a kid (whether by birth or adoption)
  • Your aging parents starting living with you

The above changes can affect your premiums and alter your coverage needs. As such, you need to update your home insurance policy to ensure you are covered optimally. 

You buy or sell off personal assets

Have you upgraded your wardrobe? Perhaps, you have disposed of old electronics and bought new ones? Either way, all these changes should be reflected in your home insurance coverage. 

You have remodeled your home

Significant renovations can change the value of your home. That said, you better update your home insurance policy to ensure you will be compensated fully if your home were to be damaged. 

Would you like to get more information regarding home insurance? Please get in touch with Atlantis Insurance Inc. of West Palm Beach, FL. We will answer your home insurance questions, including when to upgrade your policy. 

What does boat insurance cover?

Atlantis Insurance Inc. of West Palm Beach, FL is committed to helping boat owners get the coverage they need. Boat insurance, like most insurance, can cover watercraft owners/operators in the event of accidents or damage caused to other people’s property or watercraft. However, boat owners can also add additional coverage to basic boat owners’ insurance. 

What Does Boat Owners Insurance Cover?

Boat insurance can carry your motorboat, sailboat, or watercraft against liability and damage you may cause to others or other people’s property. In the event of a boating accident, liability insurance will cover personal injuries to others and their property. However, liability insurance will not cover damage to other people’s property if you lend your boat or watercraft to someone else or if an uncovered person is driving your boat. Boat owners should note that they’ll be held liable for any damage caused when someone other than you operates your boat.

Other Things Covered by Boat Insurance

Boat insurance will also cover natural disasters like fire or lightning, as well. In addition, some boat policies will cover a blown engine if it’s due to manufacturer default. However, the normal wear and tear that causes a blown engine isn’t covered. 

Other Considerations

If you want coverage for people who may borrow your boat, an umbrella insurance policy may be helpful. In fact, an umbrella policy will cover you, your family, and anyone else who drives your boat. However, you can customize your boat policy to include coverage that best suits your unique situation. At Atlantis Insurance Inc. of West Palm Beach, FL, we were here to educate and guide their decision to purchase boat insurance. Give us a call. We’re here to help.

An Overview of Flood Insurance

Most people in Florida know that flooding is a serious issue in this state, but sadly, many homeowners think that their home insurance policies have them covered for floods. As a result, many of these homeowners have encountered a detrimental financial loss due to a flood peril. 

Types of Flood Insurance Policies

In addition to knowing the importance of flood insurance, especially in Florida, it is imperative to know the various types of policies available. We can help you with the following types of flood insurance policies: 

Standard Flood Insurance

This coverage is similar to the National Flood Insurance Program (NFIP), including loss adjustment and deductibles. 

Preferred Flood Insurance

This coverage is similar to standard flood insurance. Still, it must include losses resulting from water intrusion from outside the structure in which the losses are not covered under the definition of flood. This coverage also includes additional living expenses, and it requires the adjustment of the covered contents or personal property loss. 

Customized Flood Insurance

This is broader coverage than under standard flood insurance. 

Flexible Flood Insurance

This coverage is for losses resulting from a flood. It may also cover losses from water intrusion from outside the structure covered by the flood definition. This type of flood insurance must cover at least one of the following:

  • The flood coverage is a specified amount agreed between the insured and the insurer. 
  • An authorized amount of a deductible is required that includes a deductible for hurricanes.
  • The adjustment requirement of the flood loss toward a dwelling, or the adjustment based only on the actual cash property value. 
  • A restricted flood coverage limitation to the principal building of the policy.  
  • An excluded or included provision coverage for additional living expenses.
  • An excluded coverage provision for personal property or contents’ damage resulting from a flood

Supplemental Flood Insurance

This is coverage created to supplement a flood policy retrieved from an insurer issuing preferred or standard flood insurance policies or the National Flood Insurance Program. This form of insurance may also offer but is not limited to coverage for art, deductibles, jewelry, and more.

Contact Atlantis Insurance Inc.

For more information about flood insurance, contact Atlantis Insurance Inc. today. Located in West Palm Beach, FL, Atlantis Insurance Inc. has been serving West Palm Beach, FL, and surrounding areas for decades. You will be in good hands with our team, so contact us today!

How Does Condo Insurance Work?

Owning a condo puts you in need of insurance, just as living in an apartment or an attached house. You may not be responsible for much of the building, but there are parts that you are responsible for maintaining and insuring. If you don’t have a condo insurance policy, call us at Atlantis insurance Inc. in West Palm Beach, FL. 

Insuring Your Possessions

One of the most important things that condo insurance does is to insure you against your possessions’ loss. If there were to be a major incident that ruined or destroyed your things, your condo insurance would pay you for that loss. You can begin this by taking an inventory of what you own just in case. Please prove that you own the items by taking pictures of them before any incident happens. You can also walk around and film each room and closet for a comprehensive record of what is in your condo. 

Insuring You Against Liability

Many people don’t think much about their liability coverage- until it’s too late. This type of coverage is significant in today’s litigious society, and condo insurance covers you for this liability. If someone were to rack up medical bills after falling ill or being injured in your apartment, your liability coverage would pay for those bills up to your policy’s maximum payment. With medical bills as high as they are, you can’t be without this coverage. 

Talk to an Insurance Agent

If you need a condo policy, contact us today at Atlantis insurance Inc. in West Palm Beach, FL, and make an appointment with an insurance agent to discuss the policy you need. You can get more information about the different types of coverage included in a condo insurance policy and how they each protect you.

Partner Carriers

  • Adriatic
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