Homeowners insurance rates in Baldwin county (Bay Minette, Foley: property taxes, condo, school)

[Will Gard]

My wife and I are planning a move to southern Baldwin county. We would like to locate in Foley or some of the towns north of Foley, Summerdale, Silverhill, or Robertsdale. What can I expect insurance costs to be on a home 3bedroom, 2 bath, 2 car garage. I don't want to live on the water. I would guess the closer one gets to the Gulf the higher the rates. I've heard that if you locate north of US 98 rates are lower than south of 98. Can anyone give me an estimate as to what rates I can expect? I've tried calling some insurance agencies in Foley. They won't even give me a ballpark idea of a rate without knowing the exact address of the home. We are heading to the Foley, Alabama area this coming Tuesday to look for a home.

[sheilacr]

I live in North Baldwin County in Bay Minette. I have a one year old brick, 1500 sq. ft., gas fireplace, and I pay $1079.00 a year with a 1% Hurricane Deductible. Taxes run $505.00 a year.
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[Bravo35223]

I think there is indeed a difference in rates between the southern and northern parts of the county. I heard someone say that I-10 was the 'dividing line' in regard to the insurance premium cost.

Frankly, the numerous hurricanes have cost insurers billions and they're gonna make it up through increased premiums.

I have a friend who has an oceanside, ground level condo in Destin. He said two years ago it was valued at $1.5M and now its worth about 900K.

All because his homeowners insurance rates have gone up 400%.

[bama mom]

If the home is north of I-10 you may be in luck. Brick with Vinyl trim in Spanish Fort, Built in 1996 1500+ sq feet. 3 Bed/2Bath Split floor plan. Fireplace, garage,tile/carpet. Nice but not fancy. Clean- well maintained. Excellent school district. No Granite or Marble (sorry)- Insurance with 2% Hurricane Deductibe about $1400 per year. Property taxes about $350.00. And it is For Sale! $167K