Absolute Insurance Agency
721 N McKenzie St, Foley, AL 36535
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Foley households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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721 N McKenzie St, Foley, AL 36535
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2082 Bourbon St, Foley, AL 36535
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2082 Bourbon St, Foley, AL 36535
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222 W. Laurel Ave, Foley, AL 36535
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320 E Laurel Ave, Foley, AL 36535
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7801 State Highway 59, Suite G, Foley, AL 36535
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Learn about insurance coverage options specific to Foley residents.
Foley insurance guide covering auto, home, and flood coverage. Learn about hurricane deductibles, flood risk, and why Baldwin County rates are higher.
Home InsuranceFoley home insurance averages $3,000+ due to hurricane, flood, and wind risks. Learn about coverage requirements, costs, and how to save on coastal policies.
Car InsuranceNavigate Foley's unique auto insurance needs: AL's 25/50/25 minimums, Highway 59 traffic risks, at-fault system, and how to save on coverage that protects you.
Yes, flood insurance is highly recommended for Foley homeowners. Properties face a 1-in-4 flood risk even outside FEMA high-risk zones, and areas near Wolf Creek and Magnolia River are designated special flood hazard areas. Standard homeowners policies don't cover flood damage at all, so you need a separate policy through NFIP or a private carrier. If you're 8 miles from the Gulf, storm surge is a real risk.
Baldwin County homeowners often pay over $3,000 annually, well above Alabama's state average, primarily due to coastal location and hurricane exposure. Insurers factor in the risk of wind damage, storm surge, and the history of hurricanes like Sally in 2020. Your proximity to the Gulf of Mexico increases risk, which increases premiums. Coastal counties like Baldwin, Mobile, and Escambia consistently have the highest home insurance rates in Alabama.
A hurricane deductible is a separate, higher deductible that applies specifically when damage occurs during a named hurricane. Most carriers in coastal Alabama apply deductibles of 2-5% of your dwelling coverage amount. For a $300,000 home, that means paying $6,000-$15,000 out of pocket before your insurance coverage begins. This is separate from your standard deductible and only triggers during officially named storms.
While 25/50/25 meets Alabama's legal minimum requirements, it's generally not enough protection. Medical costs for serious injuries easily exceed $25,000, and modern vehicles often cost more than the $25,000 property damage limit. Most insurance professionals recommend at least 100/300/100 coverage. The additional cost is modest compared to the significantly better protection if you cause a serious accident.
Yes, Alabama law requires insurers to discount premiums for homeowners who take proven measures to reduce wind damage. Installing hurricane straps, impact-resistant windows, reinforced roofing, or other wind mitigation features can lower your premium while making your home safer during storms. Ask your agent specifically about wind mitigation credits when shopping for coverage.
Most flood insurance policies have a 30-day waiting period before coverage begins. This means you cannot buy flood insurance when a hurricane is already forecast and expect immediate protection. You need to purchase your policy during calm weather, well before storm season. This waiting period applies to both NFIP and private flood insurance policies.
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