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Atlantis Insurance Inc

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

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What is a Condo Association and How Does it Impact Insurance?

If you are considering purchasing a condo or already own one, it is essential to remember that a condominium association governs it. In short, a condominium association is a legal entity of homeowners in a condominium community who work with each other to maintain property values and the aesthetic of the neighborhood. To facilitate, the owners within the condo community elect from their neighbors a board of directors that are responsible for overseeing the day-to-day tasks of the association and enforcing any community rules. Since board members are volunteers that do not receive compensation for their roles, with many maintaining full-time jobs, most condo associations opt to contract a professional management company to assist in daily operations such as collecting dues, contract negotiation, maintenance facilitation, and more. As a resident of a condo association, you will be required to pay dues that contribute towards the cost of running the neighborhood, including maintenance of all common areas such as a pool, sidewalks, elevators, roofs, and shared hallways. 

As the condominium owner, you’ll purchase a specialized condo insurance policy that covers your belongings, damage to the interior of the unit – including walls, and liability coverage in case a third party is injured while at your home. Separately, the condo association will maintain its insurance policy – paid for partly by your dues – for all shared areas of the property and the exterior of your unit. 

At Atlantis Insurance Inc. in West Palm Beach, FL, our friendly and knowledgeable team of insurance professionals is ready to assist with your condo insurance questions. Call us today to learn more or stop by our conveniently located office for more information. 

 

Owner-Operator Trucking Insurance

Owner-operators in West Palm Beach, FL require special truck insurance services and products regardless of whether they are under their own authority or operating under a permanent lease to a motor carrier. At Atlantis Insurance Inc, we understand the difference and are here to help you choose the right trucking insurance to meet the needs of your business and protect your livelihood.

Operating Under a Permanent Lease to a Motor Carrier

It is quite common for a motor carrier to offer primary liability coverage to drivers who are working for them under the conditions of a permanent lease. In general, this will provide coverage for injuries or damage to property or other parties in the event that you are found responsible for an accident.

Depending on your business, you may need additional coverage, such as:

  • Non-trucking liability for when you are not under dispatch
  • Physical damage coverage to repair or replace your truck following as accident or theft
  • Trailer interchange covers trailers that you pull but do not own

Some motor carriers may offer these options, but in most cases, you are better off obtaining them on your own. That way, you will be able to customize your truck insurance policy to the exact amounts and types of coverage to meet your specific needs.

Operating Under Your Own Authority

If you are operating your truck under your own authority, then you will need your own truck insurance policy to include:

  • Liability for damages to property or other parties, including property damage and bodily injury liability
  • Physical damage for truck repairs following an accident
  • Motor truck cargo for damage or loss of the loads you haul
  • Motor truck general liability for damages or liabilities not directly related to the use of the truck

If you are an owner-operator in the West Palm Beach, FL area, contact Atlantis Insurance Inc for expert advice about the coverage you need. Give us a call today.

Do you have protection from uninsured drivers?

Unfortunately, as many West Palm Beach, FL residents are aware, there are a lot of uninsured drivers on the road in Florida. The team at Atlantis Insurance Inc is here to help you protect yourself from them. 

Protect yourself from uninsured drivers today

Many drivers are unaware that if they are involved in an accident with an uninsured driver 100% of the liability can fall to them. This can add bad news to an already sad story if you have been injured in an accident.

We all carry insurance to protect ourselves and others, and it can be very disheartening to learn that not everyone carries that same sense of responsibility. It is up to you to make sure that you have the protection you need. Many auto policies provide protection from uninsured drivers as an add-on. This can make it easy to overlook the coverage when you are selecting your policy.

Choosing the right policy for your needs can be more complex than you first think, but it is worth it to take the time and care to get the coverage that is most appropriate for your needs. Work with your local agent today and make sure that your policy has what you need! 

What to learn more? Call Atlantis

Here at Atlantis Insurance Inc, we want to help protect the West Palm Beach, FL community from uninsured drivers. Don’t wait to find out that your current policy doesn’t provide the protection you need. Now is a perfect time to review your auto policy to ensure that you have the coverage you need. Call or stop by our office today and find out more!

Your Boat Capsized: Does Insurance Cover This?

Atlantis Insurance Inc. knows that West Palm Beach, FL residents and those in the area love boating across the state’s many lakes and in the ocean. However, capsizing is a common risk and is something that needs to be avoided. Will your boat insurance protect you? 

Capsizing is Covered in Most Cases 

Capsizing or sinking is a common occurrence for many boats due to rough weather or damage to the boat. In these situations, there’s a good chance that you will be covered. Most boat insurance policies are set up to help people out in this situation and minimize their expenses. 

Insurance should pay for things like recovering your boat, repairing it, and even replacing it if it is too damaged to fix up again. In this way, you should get the kind of protection that you need without worrying about losing your investment.

When Capsizing is NOT Covered

Though your boat insurance is likely to cover most capsizing instances, there are a few times when they may not. Most of these issues are pretty rare and include:

  • Geographic Exclusion – Your boating policy will have a specific cruising range that it covers. If you go outside this area, you may end up in trouble with a capsized boat and no coverage.
  • Named Storm Damage – Sometimes, boating policies link certain times of the year with heavy storms and will not cover you if your boat sinks or capsizes in this situation.
  • War and Terrorism – If you take your boat into a high-risk area, like an identified war zone, you may not be covered if it gets damaged or sunk by others. 

Some of these situations are pretty easy to avoid. Few people are going to take their boat into a war zone willingly. However, it is essential to know these limitations to avoid problems.

Make Sure You Get Protected

If you’re in this troubling situation and you want to avoid serious problems, talk to us at Atlantis Insurance Inc. right away to learn more. We help many West Palm Beach, FL, boat owners get the protection they need for their boating needs.

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.

Downsizing

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.

Partner Carriers


  • Adriatic
  • Clear Blue
  • Continental Divide
  • Edison
  • Florida Peninsula
  • Infinity
  • LLoyds
  • National Indemnity
  • Northland
  • Progressive
  • Safe Harbor
  • State National