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Columbus, OH 43230

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Why Umbrella Insurance? Because You Can Never be Too Safe

Having umbrella insurance is a lot like standing under an insurance umbrella when it rains because it will keep you dry even under the heaviest downpour. That is also why residents in Gahanna, OH and the Columbus area rely on America’s Top Insurance for the protection they need when the skies open up.

Why Umbrella Insurance? Because You Can Never be Too Safe

You have auto insurance. Great. And, of course, your home is insured, perfect. What if, however, an auto accident exceeds your policy limits? What if there is an unforeseen liability claim on your property that isn’t in the realm of property damage covered by your homeowner’s insurance?

Why umbrella insurance? Because you can never be too safe from the "what ifs" that life can throw at us. And the truth is, we never know when what-if will come knocking.

Umbrella Insurance: For the Unknown, Unforeseen, and Unpredictable

The good news, however, is that for the unknown, unseen, and unpredictable, umbrella insurance can fill in the gaps. In other words, umbrella insurance is there to cover the what-ifs and protect people from liability that could otherwise bankrupt us. 

Many scenarios, from pet ownership and having children, to income levels or having amenities like swimming pools, can increase the value and need for umbrella insurance. With the help of experienced and friendly agents, you can determine if umbrella insurance is a good fit for you and your family and your risk of experiencing the unknown, unforeseen, and unpredictable.

For All Your Umbrella Insurance Needs

If you live in or around Gahanna, OH and think you could benefit from umbrella insurance or would like to learn more, the team at America’s Top Insurance can help. Contact us today to get started and get under the umbrella before it rains.

Functions of Your Condominium Governing Board

If you’re a condominium owner, you need insurance that meets your needs to protect your home. If your condo is damaged by fire or vandalism, you’ll want to know that your assets will be covered. At America’s Top Insurance, residents of Gahanna, OH can depend on our professionals to give you suitable insurance options to meet your needs.

What You Need To Know

If a Homeowner’s Association governs your condominiums, you may want to understand the role of that group and what the group members do. The Homeowner’s Association is responsible for devising a budget sufficient to repair capital items without declaring a special assessment. The association must have property and liability insurance reserved for each property owner. 

The Association is responsible for insurance for any individual entrusted to write checks or conduct electronic transfers with Association funds. If all the officers of the Association have the power to disperse funds, then each must be covered by liability insurance by the Association. The Association is required to document all expenses paid in records that any owner can view. 

Your Homeowner’s Association is responsible for the maintenance of all the parts of the property shared among the buildings. They will be responsible for the actions taken to achieve that maintenance. Although they can’t access an owner’s unit without permission, a representative of the Association can enter someone’s property if they believe them to be at risk of danger to themselves or their property. 

Consult With Us

Protecting your home and its assets is a concern all condominium owners share. At America’s Top Insurance in Gahanna OH our priority is to provide you with a choice of coverage from the insurers we represent. Call us today to allow us to work with you to find the right insurance for you. 

3 Reasons to Review Your Commercial Policy Every Year

Business owners and operators in Gahanna, OH and the surrounding area rely on the team at America’s Top Insurance for their commercial insurance needs. We’re here to help you protect your business now and in the future and ensure that your commercial insurance needs are met.

Why You Should Review Your Commercial Policy Every Year

Just as your business changes from year to year, so too do your insurance needs. Your local commercial insurance agent is a perfect resource for you when it comes to reviewing your ongoing policy needs. Here are just a few of the many reasons why an annual review is always a good idea.

  1. Your Insurance Needs Change Over Time – no business is stagnant. You might be investing in new equipment, acquiring property, or upgrading your commercial fleet. All of these changes can affect your insurance needs.
  2. The Value of Commercial Property Fluctuates – one of the biggest assets that your company might have is the property you own. As real estate values fluctuate, you’ll want to make sure that your policy keeps up with that need.
  3. Addition of Additional Features – adding features like business interruption coverage or key-man protection are changes that you might want to make as your business grows. These features help you protect the many years of hard work you’ve put into your company and keep it well-positioned for future growth.

Schedule a Consultation Today

America’s Top Insurance is proud to serve the insurance needs of the Gahanna, OH business community. If you have questions about your current commercial policy or it’s time to upgrade to a more comprehensive policy, we’re here to help. Contact our office today to learn more about our services and to schedule an appointment. We look forward to working with you.

What Types of Plumbing Issues May Be Covered By Home Insurance?

A well-functioning plumbing system is essential for a comfortable and functional home. However, plumbing issues can arise unexpectedly, leading to damage and costly repairs. Home insurance can provide financial relief in some cases, but it’s important to understand the types of plumbing issues that may be covered. America’s Top Insurance, providing home insurance to residents in the greater Gahanna, OH area, explains what types of plumbing issues may be covered by home insurance.

Sudden and Accidental Damage

Home insurance typically covers sudden and accidental plumbing damage, such as burst pipes due to freezing temperatures. This coverage helps pay for repairs and potential water damage.

Water Damage 

Home insurance often covers water damage resulting from plumbing issues. This includes damage caused by burst pipes, leaky appliances, or plumbing system failures. It’s essential to address water damage promptly to prevent further issues.

Additional Living Expenses 

In cases where a plumbing issue makes your home temporarily uninhabitable, home insurance may cover additional living expenses. This can include the cost of temporary accommodation and living expenses while your home is being repaired.

Reach Out To Us

Home insurance can provide coverage for various plumbing issues, especially those related to sudden and accidental damage and resulting water damage. However, coverage may vary depending on your policy and the specific circumstances of the plumbing issue. While you cannot prevent all plumbing issues from happening, you can take steps to ensure you’re as protected as possible by having home insurance that fully covers and protects you. The team at America’s Top Insurance, serving the greater Gahanna, OH area, would love to help you find the right policy for you. Schedule an appointment with one of our agents today.

Is basic auto insurance the right choice for you?

Basic auto insurance is what the state requires that you carry. In Ohio that is liability insurance in the amount of 25/50/25. In Gahanna, OH, our team of independent agents at America’s Top Insurance make sure that all of our customers are in compliance with the law but additionally have auto insurance that is the right choice for them. 

Is basic auto insurance the right choice for you?

Liability insurance is vital coverage, it protects your assets from injuries and legal action that may result from an accident that you are responsible for. But if you have an auto loan or are leasing your vehicle, you will also need to protect the vehicle which the lessor and the lender still have an interest in. This requires that you also carry collision and comprehensive coverage. They may also require underinsured and uninsured driver insurance coverage. 


Collision insurance will pay to repair or replace your vehicle if it is damaged in an accident when you are the responsible party. It will also cover damage resulting from a hit-and-run. There is a deductible that must be met before payment is received. 


Comprehensive coverage repairs or replaces your vehicle if it is stolen, vandalized, caught in a flood, or damaged by hail, wind, or other weather-related events. It also covers glass, so your windshield can be replaced if damaged. A deductible will also apply. 

If you have an old vehicle with little or no value, don’t own a home, or have assets then basic insurance is a good option. However, the liability levels are probably not adequate if you own a home or have assets. 

Reach Out To Us

Contact America’s Top Insurance if you are a resident of Gahanna, OH or the surrounding area. Our agents will make sure that you have not only basic insurance but any other coverage you need. 

Why Umbrella Insurance Is Beneficial for Ohio Business Owners

Gahanna, OH area business owners turn to America’s Top Insurance for all of their commercial insurance needs. Liability protection becomes more important as your business grows. Adding an umbrella policy to your primary policy is an effective way to increase your protection. If you’re a business owner and want to learn more about the benefits of umbrella insurance, contact us today to schedule a consultation.

What Ohio Business Owners Need to Know About Umbrella Insurance

There are many reasons to add an umbrella policy to your company’s insurance portfolio. If you need additional liability protection than what your primary policy provides, it’s time to learn more about umbrella insurance. This is a supplemental policy that comes into play when the liability coverage maximums on your primary policy are exhausted.

Umbrella insurance is especially important for any businesses that operate in industries that are highly litigious. One frivolous lawsuit could be enough to wipe out many years of hard work and dedication. If you’re concerned about liability protection, now is an ideal time to learn more. 

There are a number of different policy options available. The next step to take is to call to schedule a consultation with your local agent. You’ll be able to learn more about what’s available and how you can protect your company with an appropriate level of protection. Don’t hesitate when it comes to exploring all the tools that are available to provide the coverage your business needs.

Schedule a consultation today!

The commercial insurance pros at America’s Top Insurance are proud to serve the business community of Gahanna, OH. Give us a call today to schedule a time to come in to learn more about the many benefits of umbrella insurance. We look forward to working with you!

Who needs to get a condo insurance plan in Ohio?

Being a condo owner can be a great housing option for a lot of people in the Gahanna, OH area. If you are an owner of a condo in this region, you will enjoy the consistency of home ownership without having the same responsibilities when it comes to maintenance and repair. Along with a condo, you will need a condo insurance plan for various reasons. 

Those with Mortgages Need Coverage

A common situation when you will need to maintain a condo insurance plan is when you have taken out a mortgage. Condos have continued to increase in value throughout the state of Ohio. Because of this, financing them with a mortgage is quite common. In virtually all cases, you will be obligated to carry insurance on your condo. If you have continued to carry a condo insurance plan, you will be in good standing with such requirements. 

Association Requirements

You will also need to get a condo insurance plan so you can meet any association requirements. If you have decided that you want to buy a condo, you will likely be part of a larger condo association. In all cases, there will be association rules that need to be met, and requiring owners in the association to have a condo insurance plan is common. Maintaining this coverage will ensure you remain supported at all times. 

We Can Help!

It is always highly recommended for individuals in the Gahanna, OH region to obtain condo insurance if they own a condominium in the area. When seeking comprehensive coverage, reaching out to our team at America’s Top Insurance is an ideal option. There are many options to explore when looking for condo insurance, and our knowledgeable team at America’s Top Insurance can assist you in building a new plan to suit your specific needs.

What types of insurance do I need as a business owner?

As a business owner here in the Gahanna, OH area, it is important to ensure that you have adequate insurance coverage in place to protect your assets and liabilities. There are a variety of types of insurance policies available to business owners from us at America’s Top Insurance, which can help cover the costs associated with natural disasters, theft, legal liabilities, and more. 

Commercial Insurance Coverage Options

The most common types of insurance for business owners include property insurance, general liability insurance, workers’ compensation insurance, commercial auto insurance, business interruption insurance, and professional liability or Errors & Omissions (E&O) Insurance. 

Property Insurance helps protect a business from losses caused by damage to physical assets such as buildings or equipment due to fires, storms, theft, or other causes. General Liability Insurance provides protection for businesses against claims resulting from injuries and property damage to third parties. Workers’ Compensation is mandatory in some states and helps provide financial assistance for medical bills and lost wages incurred as a result of an employee’s work-related injury or illness.

Commercial Auto Insurance covers vehicles used for business purposes – this often includes company-owned vehicles as well as employee-owned vehicles used for business activities. Business Interruption Insurance covers lost income related to certain unexpected events such as fires or floods that force a company to temporarily suspend operations. Lastly, Professional Liability or E&O Insurance protects businesses from claims arising out of negligence in the provision of professional services. 

By making sure you are properly insured with all the necessary policies in place, you can mitigate much of the risk associated with running a business while providing yourself with peace of mind knowing that your finances are secure.

We Are Here To Help

For more information, call us at America’s Top Insurance today. We are proud to serve the Gahanna, OH area.

Protect Your Home With Insurance Coverage

America’s Top Insurance gives you peace of mind, knowing your home is protected from unexpected events, such as severe weather, water damage, or accidents. Our comprehensive coverage options are designed to suit your unique needs as a homeowner in Gahanna, OH.

Protecting Your Home 

As a homeowner, unexpected events such as natural disasters, fires, and theft can happen anytime. These events can cause significant damage to your property and possessions, and the cost of repairs and replacements can be overwhelming. Insurance coverage is crucial to protecting your home and finances in unforeseen circumstances.

One of the most important types of insurance for homeowners is property insurance. This coverage protects your home and other structures on your property, such as sheds and garages, from damage caused by natural disasters, fires, and other unexpected events. It can also cover the cost of repairs or replacement of damaged or destroyed property.

Preparing for the Unexpected 

If you own a home in Gahanna, OH, preparing for the unexpected is essential. This beautiful city experiences an annual rainfall higher than the average in the U.S., making it necessary to ensure that your home is protected from potential water damage. Additionally, Gahanna can experience icy winters and hot summers, which can take a toll on your home’s structure and systems. That’s why having America’s Top Insurance on your side is crucial.

Comprehensive Coverage Options with America’s Top Insurance

America’s Top Insurance offers coverage for damage caused by extreme weather, ensuring your home is protected year-round. Don’t wait until it’s too late to prepare for the unexpected as a homeowner in Gahanna, OH. Contact us today to discuss your options for protecting your home and family.

Auto Insurance for First-Time Drivers in Ohio

Auto insurance can be daunting for many first-time drivers. With so many options and legal requirements, it can be challenging to know where to start. Fortunately, America’s Top Insurance is here to guide you through the process and help you find the best coverage for your needs.

Understanding Ohio’s Auto Insurance Requirements

First and foremost, it’s important to understand Ohio’s auto insurance requirements. In Ohio, drivers are required to carry a minimum liability coverage of $25,000 for injury or death to one person, $50,000 for injury or death to two or more people, and $25,000 for property damage. 

Determine Your Coverage Needs

Now that you understand Ohio’s auto insurance requirements, it’s time to determine your coverage needs. In addition to liability coverage, consider additional coverage options such as collision, comprehensive, uninsured/underinsured motorist, and personal injury protection. Focus on your vehicle’s age, condition, driving habits, and budget when choosing coverage options.

Shop Around for Quotes

Once you’ve determined your coverage needs, it’s time to shop around for quotes. Use our online portal to compare auto insurance quotes or give us a call at our Gahanna, OH office in America’s Top Insurance.

Take The Following Steps:

  1. Review your policy carefully.
  2. Make sure you understand the coverage limits, deductibles, and any exclusions or limitations.
  3. Ask your insurance agent to explain anything you don’t understand.

If you’re a first-time driver in Ohio, you need to find a policy that puts your needs first. With the help of America’s Auto Insurance, you’re guaranteed to find coverage that protects you and your vehicle on the road. 

Don’t Wait To Begin!

Visit America’s Top Insurance in Gahanna, OH today – we will put your needs first, keeping your mind at ease.

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