Coverage matched to hurricanes, tornadoes, and hail — not a generic policy. Answer a few questions and get real options today.
We start with your address and build coverage around what's actually likely to hit your roof.
Photo: EricEricson / Wikimedia Commons, CC BY-SA 3.0
Mobile and Baldwin County face direct landfall risk most seasons. Named-storm deductibles are built into your quote up front — no surprises at claim time.
Alabama sees severe weather in both spring and fall. Wind coverage is central to your policy, not an add-on.
Roof and siding damage from thunderstorms is one of the most common claims we see. Roof age and material shape your options.
From hurricane risk on the Gulf Coast to tornado risk in North Alabama, coverage is built around where you actually live — not a one-size-fits-all policy.
Central Alabama — Photo: WeaponizingArchitecture, via Wikimedia Commons, CC BY-SA 4.0
North Alabama — Photo: WeaponizingArchitecture / Wikimedia Commons, CC BY-SA 4.0
No jargon. Here's what each part of a standard Alabama Coastal policy does.
Flood isn't included in any standard policy — it's separate, through the NFIP. We'll flag your flood-zone status during the application.
Speed up your quote — email us a copy of your current homeowner's declaration page, or snap a photo and text it to (251) 929-8093.
Rebuilds your home's structure at today's local construction cost.
Covers detached garages, fences, sheds, and carports.
Furniture, electronics, and belongings, at home or away.
Pays living costs if a covered loss makes your home unlivable.
Protects you if someone's injured on your property.
A separate deductible for hurricane and wind claims, shown clearly at quote time.
Address, year built, roof, square footage — 2 minutes.
Dwelling, liability, and deductible choices tailored to your home.
A licensed Alabama agent confirms details, often within one business day.
"Alabama Coastal Insurance has exceptional service. They go above and beyond for your insurance needs."
Jennifer Reynolds, Google review
Read more reviews →A licensed Alabama agent, not a call center — real answers about your home, your storm risk, and your options, before you ever apply.
Licensed Alabama Insurance Agent
Based in Fairhope, Brian works directly with homeowners and drivers across all 67 Alabama counties to match coverage to real coastal risk — hurricanes, wind, and hail — instead of a generic out-of-state policy.
No payment or commitment required.
Bundle your vehicles with your home policy for one agent, one renewal date, and real bundling discounts.
Liability, collision, and comprehensive coverage sized to how you actually drive.
Coverage for street bikes and cruisers, with gear and accessory options.
Hull, motor, and liability coverage for boats kept at a marina, on a trailer, or at home.
Motorhomes, travel trailers, and fifth wheels — full-time or weekend use.
Speed up your quote — email us a copy of the current declaration page for each vehicle, or snap a photo and text it to (251) 929-8093.
No payment or commitment required.
Commercial property, general liability, and business owner's policies for Alabama businesses. Every business is different, so this one starts with a conversation, not a form.