Flowers Eufaula, LLC
2501 West Main Street, Suite 500, Dothan, AL 36301
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Dothan households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2501 West Main Street, Suite 500, Dothan, AL 36301
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1296 Westgate Pkwy, Dothan, AL 36303
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5540 West Main St, #9, Dothan, AL 36303
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200 N Saint Andrews St, Suite 2, Dothan, AL 36303
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3123 Wesley Way, Dothan, AL 36305
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Learn about insurance coverage options specific to Dothan residents.
Alabama requires 25/50/25 liability coverage: $25,000 for bodily injury per person, $50,000 maximum for all injuries in one accident, and $25,000 for property damage. However, these minimums often aren't enough to cover serious accidents, so most experts recommend higher limits like 100/300/100 if you can afford it.
Homeowners insurance in Dothan averages $1,739 annually, though rates range from $1,179 to $2,491 depending on your home's value, age, and the insurance company. Rates increased approximately 7% in 2025 due to severe weather claims, inflation, and rising building costs.
About 10% of Dothan properties face significant flooding risk from Mill Creek, Chattahoochee River tributaries, and flash flooding during severe storms. Standard homeowners policies don't cover flood damage, so you'll need separate flood insurance through NFIP or a private insurer, which typically costs $300 to $1,000 annually depending on your flood zone.
Dothan faces higher-than-average tornado risk, severe thunderstorms with large hail from March through September, and tropical storm remnants from the Gulf Coast. These weather patterns lead to frequent insurance claims for wind, hail, and water damage, which drives up premiums for all homeowners in the area.
Bundle your auto and home insurance to save 15-25%, install a monitored security system for an additional 10-15% discount, maintain a clean driving record, raise your deductible, and shop around every few years. Taking a defensive driving course and qualifying for low-mileage discounts can also reduce your auto insurance premium.
Local agents understand the Wiregrass region's specific weather risks, flooding patterns, and coverage needs better than national call centers. They can provide personalized service, help you navigate claims after severe weather events, and find discounts specific to the Dothan area. Dothan has five established local agencies that serve the community.
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