[won't be long]

Can anyone supply info on home insurance rates for Fairhope, Dauphne area? Around 150-200K home coverage. Dreaming of retirement in that area.

[humacaena]

It should be between 1100 and 1400 dollars....provided the home is not on the water. It's a wonderful area for retirement...specially Fairhope, as it has a real town area and a beautiful park/pier. Good luck and come on down!!!

[Southlander]

Do you mean Daphne? Or Dauphin Island?

[won't be long]

Fairhope/Daphne area...you can include Dauphin Island also.

[AlwaysBeachin]

$2200 a year, 3/2 brick veneer 1369 sq. ft. in Daphne. It's ridiculous here...and that's after I swapped to go to a lower company. The wind coverage is what gets you. If you stay north of I-10, you can probably get in the $1400 range.

[justNancy]

I shopped around for a couple of days when I was in Gulf Shores last year. I focused on Fairhope, but it was a long haul from where I was staying, so I didn't get much accomplished. Anyway, I did a little research and found this answer:

"it depends"

If you call an insurance agency, you need to have a specific address. It's not much different in Florida, because construction is so important. In Southwest FL, for example, there is a big difference between a concrete block home and a wood frame home (insurance-wise, that is) I noticed a lot of brick homes in some of the Fairhope neighborhoods I drove by. The roof style is also important because certain shapes resist wind damage better than others. Example: A hip roof has more slopes so it might hold up better in a storm than a gable roof.

There are several newspaper articles you can find on this subject with personal stories about insurance coverage if you search online.

Good luck!

[justNancy]

Originally Posted by JRA2000TL

$2200 a year, 3/2 brick veneer 1369 sq. ft. in Daphne. It's ridiculous here...and that's after I swapped to go to a lower company. The wind coverage is what gets you. If you stay north of I-10, you can probably get in the $1400 range.

Do you also have flood insurance?

RE: Wind coverage. I'm not sure if Baldwin is an area where you can get separate wind policies, but here there are counties where a homeowner will buy coverage for fire, theft & liability from one agency and get wind-only from Citizens. In some coastal areas, that's the only way they can get affordable wind coverage.

Not sure if Alabama homeowners have the same option.

[AlwaysBeachin]

No flood insurance. I'm 141 ft. above sea level even though I'm 2 miles from the bay. Daphne/Spanish Ft./Fairhope are on a bluff, high and dry for the most part.

[ggirl704]

I was an agent for several years and have worked that area. I also have family that live in the area. The premiums are very high, and if you ever have a claim, they're even higher but, you need to realize what companies have paid out due to hurricanes. My advise would be to rent or pay cash for a mobile home. You can get exwind policies. They won't pay for wind damage but, will pay other claims, and are much more affordably. If a hurricane blows the mobile home away, you won't be out as much as you would in the other circumstance. Just a suggestion.