Gavop's guide to buying homeowners insurance in Orange Beach, AL covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $92,000 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $216,500 | $180,000 | $250,000-$300,000 |
| 3 Bedroom | $316,500 | $300,000 | $350,000-$400,000 |
| 4 Bedroom | $354,000 | $330,000 | $400,000-$500,000 |
| 5 Bedroom | $466,000 | $370,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$81 | $931 |
| Home and Two Car | -$162 | $850 |
| Home and Three Car | -$253 | $759 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Baldwin County | $1,000 | $1,232 | $2,232 | $895 | $1,895 | $337 |
| Orange Beach, AL | $1,000 | $1,000 | $2,000 | $727 | $1,727 | $273 |
| Daphne, AL | $100 | $1,338 | $1,438 | $973 | $1,073 | $366 |
| Floridatown, FL | $1,000 | $1,158 | $2,158 | $841 | $1,841 | $316 |
| Belle Fontaine, AL | $500 | $1,022 | $1,522 | $742 | $1,242 | $279 |
| Wallace, FL | $700 | $2,107 | $2,807 | $1,531 | $2,231 | $576 |
| Milton, FL | $400 | $849 | $1,249 | $617 | $1,017 | $232 |
| Chickasaw, AL | $1,000 | $707 | $1,707 | $514 | $1,514 | $193 |
| Grand Bay, AL | $2,500 | $1,018 | $3,518 | $740 | $3,240 | $278 |
| Brownsdale, FL | $100 | $1,386 | $1,486 | $1,007 | $1,107 | $379 |
| Jay, FL | $2,500 | $1,157 | $3,657 | $841 | $3,341 | $316 |
| Home Insurance Company Orange Beach, AL | Homeowners Insurance Agency Orange Beach, AL | Address | Popularity Score | Distance from Orange Beach (miles) |
|---|---|---|---|---|
| State Farm | Josh Wild | 908 N Mckenzie St, Foley, AL, 36535-3547 | 10.2 | |
| State Farm | Frances Holk-Jones | 315 E Laurel Ave Ste 101, Foley, AL, 36535-2607 | 9.5 | |
| Liberty Mutual Independent | First Baldwin Insurance | 8154 Hwy 59 Ste 201, Foley, AL, 36535 | 6.7 | |
| Liberty Mutual Independent | First Baldwin Insurance | 8154 State Highway 59 Ste 208, Foley, AL, 36535 | 6.9 | |
| State Farm | Barry Sides | 3901 Airport Blvd # B, Mobile, AL, 36608-1621 | 42.4 | |
| State Farm | John Frantz | 1020 Schillinger Rd S Ste A, Mobile, AL, 36695-8972 | 46.1 | |
| Liberty Mutual Independent | Burkholder Insurance Inc | 115b S University Blvd, Mobile, AL, 36608 | 44.0 | |
| State Farm | Doug Taylor | 21783 A Hwy 59, Robertsdale, AL, 36567 | 18.6 | |
| Allstate | John Brown | 6343 Cottage Hill Rd, Mobile, AL, 36609 | 43.2 | |
| State Farm | Jeremy Kilpatrick | 1535 Schillingers Rd S, Mobile, AL, 36695-8974 | 45.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $810 | $1,670 | $860 |
| Baldwin County, AL | $182,000 | $1,247 | $890 | $1,760 | $870 |
| Orange Beach, AL | $256,600 | $1,012 | $680 | $1,400 | $720 |
| Daphne, AL | $217,600 | $1,355 | $920 | $1,880 | $960 |
| Floridatown, FL | $114,100 | $1,172 | $910 | $1,570 | $660 |
| Belle Fontaine, AL | $107,600 | $1,034 | $730 | $1,460 | $730 |
| Wallace, FL | $260,500 | $2,133 | $1,660 | $2,860 | $1,200 |
| Milton, FL | $119,400 | $859 | $670 | $1,150 | $480 |
| Chickasaw, AL | $79,200 | $716 | $520 | $990 | $470 |
| Grand Bay, AL | $120,600 | $1,030 | $750 | $1,420 | $670 |
| Brownsdale, FL | $148,300 | $1,403 | $1,090 | $1,880 | $790 |
| Jay, FL | $114,000 | $1,171 | $910 | $1,570 | $660 |