Dauphin Island Insurance can be hard to get! But you’ve come to the right place! Heritage Insurance of Alabama provides insurance for Dauphin Island, Fort Morgan, Gulf Shores, and Orange Beach!
Dauphin Island Insurance
Usually, when a customer calls for Dauphin Island insurance, an insurance agent might hesitate. Why? One reason is because Dauphin Island is high risk! It’s basically a sand bar. YouTube search Dauphin Island and see how many of the videos are about disaster. Here’s a video on the aftermath of a Dauphin Island Fire. Dauphin Island’s protection class is 06 and 09 (fairly high risk).
Chances are your agent cannot provide homeowners insurance on Dauphin Island. If they can, their quote might not be competitive. That’s where Heritage Insurance comes in. We can search several providers for Dauphin Island Insurance! Request a quote or call 251-945-6666!
Prices for Dauphin Island Insurance
What kind of prices can you expect for homeowner’s Dauphin Island Insurance? There are a few factors that affect insurance prices on Dauphin Island. Let’s just say that a house worth 200k could be paying about $5,000 a year in homeowner’s insurance alone. Other factors are:
- Occupancy – If the house is a primary, rental, or vacation home. This matters because the occupancy determines what policy provider can writer insurance on the house.
- Construction type – Dauphin Island homes are typically wood sided. It’s true the brick gets a better rating, but who puts a brick house on piers? The best price will be a house on piers with a hip style metal roof. For more info, see ways to save money on house insurance in South Alabama!
- Elevation – How high your house is built off the ground. This includes the lowest utility room.
- Flood Zone – If you have a mortgage, they will want flood insurance. Location determines what flood zone you’re in.
- Your financial situation – It cost more if you’ve had house insurance claims, bankruptcy, repossession, or foreclosure within 5 years.
Flood Insurance on Dauphin Island
Flood insurance is a separate payment. How much does flood insurance cost on Dauphin Island? If that same 200k house is raised by piers (elevated), and it’s in a low risk x zone, it might cost around $400 per year. Move that same house a little closer to the water, then change its flood zone, and you could be paying $4,000 per year in flood insurance. Take note that even if a beach house is raised on piers, if it has a utility room on the bottom without break away walls or lattice, that room then becomes the base elevation for the whole house! What does that mean? Flood price is determined by base elevation. Flood insurance costs A LOT more for a house with a lower elevation. If you are buying a house on Dauphin Island, talk to the previous owner. Ask them how much they pay for flood insurance.
See this form for questions about Insurance Prices on Dauphin Island.