Protect your Alabama home with help from a local agent.
Brian Lehmann helps you compare home, flood, and auto coverage—and understand your deductibles before you choose.
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Based in Fairhope. Serving all of Baldwin County and homeowners across Alabama.
Brian Lehmann
Licensed Alabama Insurance Agent
"Alabama Coastal Insurance has exceptional service. They go above and beyond for your insurance needs."
Jennifer Reynolds, Google review
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Have Brian contact you by phone, text, or email. Share your name and how to reach you. Details like your address or birthdate can wait until you are ready to go further.
Alabama homes face specific risks
We start with your address and build coverage around what's actually likely to hit your roof.
Hurricanes & tropical systems
Mobile and Baldwin County face direct landfall risk most seasons. Named-storm deductibles are explained up front, so you know how they work before you choose.
Flood risk on the Gulf Coast
Flood isn't included in a standard home policy. Baldwin and Mobile County homes near the coast often need it anyway, through the NFIP or a private carrier.
Get a Flood Quote →Tornadoes, year-round
Alabama sees severe weather in both spring and fall. Wind coverage is central to your policy, not an add-on.
Severe hail & straight-line wind
Roof and siding damage from thunderstorms is one of the most common claims we see. Roof age and material shape your options.
Serving all of Baldwin County and across Alabama
The office is in Fairhope, and Brian works with homeowners and drivers in every Baldwin County town, including Fairhope, Daphne, Spanish Fort, Loxley, Robertsdale, Foley, Gulf Shores, Orange Beach, Bay Minette, Elberta, Silverhill, Summerdale, Magnolia Springs, Point Clear, Perdido Beach, and Fort Morgan. Beyond the county, Brian serves homeowners and drivers across all 67 Alabama counties. From hurricane risk on the Gulf Coast to tornado risk in North Alabama, coverage is built around where you actually live.
Central Alabama — Photo: WeaponizingArchitecture, via Wikimedia Commons, CC BY-SA 4.0, cropped
North Alabama — Photo: WeaponizingArchitecture / Wikimedia Commons, CC BY-SA 4.0
Coverage, in plain terms
No jargon. Here's what each part of a standard Alabama Coastal policy does.
Flood isn't included in any standard policy — it's a separate policy, through the NFIP or a private carrier. 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.
Dwelling coverage
Rebuilds your home's structure at today's local construction cost.
Other structures
Covers detached garages, fences, sheds, and carports.
Personal property
Furniture, electronics, and belongings, at home or away.
Loss of use
Pays living costs if a covered loss makes your home unlivable.
Personal liability
Protects you if someone's injured on your property.
Named-storm & wind/hail deductible
A separate deductible for hurricane and wind claims, shown clearly at quote time.
How it works
Tell us about your home
Address, year built, roof, square footage — 2 minutes.
See real coverage options
Dwelling, liability, and deductible choices tailored to your home.
Submit & hear from an agent
A licensed Alabama agent confirms details, often within one business day.
Meet Brian Lehmann
A licensed Alabama agent, not a call center — real answers about your home, your storm risk, and your options, before you ever apply.
Brian Lehmann
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.
Brian has worked with Alabama homeowners on the financial side of buying a home since 2010, beginning as a mortgage loan officer (NMLS #369470).
Certified Residential Building Inspector
International Code Council
Brian's background in home financing and residential building inspection helps him ask informed questions about your property and explain the details needed for your quote.
FAQ
It varies by county, distance from the coast, roof age, and construction. An agent can talk through what affects the cost once you request a quote.
In most cases, yes. Standard homeowners policies typically exclude flood damage, so flood coverage is usually a separate policy through the National Flood Insurance Program (NFIP) or a private carrier. If your home is in a high-risk flood zone and has a mortgage, your lender will usually require it. Your policy's terms decide what is covered. We'll flag your flood-zone status during the application. See our flood insurance page for Baldwin County flood zones, elevation certificates, and NFIP details.
In many Alabama counties, wind and named-storm damage has its own deductible — a percentage of your dwelling coverage, separate from your regular one. Shown clearly at the coverage step.
It depends on the home and the carrier. After you apply, an agent confirms your details and the carrier reviews the application. Some homes also need a quick inspection. Coverage begins on the effective date the carrier confirms in writing. Carriers often pause new policies while a named storm threatens the Gulf Coast, so it helps to apply before a storm is on the way.
Yes — your agent can offer bundling after your home application is submitted.
Alabama Coastal Insurance by Brian Lehmann is an independent insurance agency at 520 N. Greeno Rd. in Fairhope, Alabama. Brian Lehmann is a licensed Alabama insurance agent who works with homeowners and drivers across Baldwin County and the rest of Alabama on home, flood, auto, motorcycle, boat, RV, and business insurance.
The office is in Fairhope and Baldwin County is where Brian is based, but he works with homeowners and drivers across Alabama. Which coverage options are available depends on the property, the carrier, and the terms of each policy.
Brian Lehmann is a licensed Alabama insurance agent (license #3002993485), and Alcoastalinsurance LLC holds Alabama insurance license #746401. Licenses can be verified with the Alabama Department of Insurance.
Use the quote request on this page, which takes about 5 minutes, or ask for a call from Brian. A licensed agent follows up to confirm your details and your options. You can also call (251) 929-8093.
Alabama Coastal Insurance serves homeowners and drivers throughout Baldwin County, including Fairhope, Daphne, Spanish Fort, Loxley, Robertsdale, Foley, Gulf Shores, Orange Beach, Bay Minette, Elberta, Silverhill, Summerdale, Magnolia Springs, Point Clear, Perdido Beach, and Fort Morgan. The office is in Fairhope, and quotes are handled by phone and online, so your town does not change how to reach Brian.
Let's get you covered
No payment or commitment required.
Auto, motorcycle, boat & RV coverage
One local agent for the vehicles you drive, ride, and tow. Ask about bundling them with your home policy.
Business insurance
Property, liability, commercial auto, workers' compensation, and more for Alabama businesses and organizations. Every business is different, so this starts with a conversation, not a form.