Insuring Homes in the Southern Alabama cities of Orange Beach, Fort Morgan, Perdido Beach and Gulf Shores, AL as well as other nearby Island Homes:
Writing insurance in the Coastal areas of the United States always seems to present more of a challenge to a great number of agencies. It takes a great agent who works with many insurance carriers to propose a good final insurance quote.
Some usual questions that will arise are:
What is the occupancy of the home going to be?
-Rental / Second Home
-Full time rental
It can make a significant difference in the availability of polices if the owners are only using the property and not renting the home. This may seem like Basic 101 Insurance but we can assure you these are not basic to the consumer.
Who will the insured be?
-Trust or Estate
When dealing with the insured on the normal basis and paying out claims if applicable, depending on how many layers of approval can slow down the process of getting the information or money to the needed insured.
What kind of deductible is availble?
-All Other Peril
-Wind / Hail
Will Flood coverage be needed?
Flood damage, however, is covered only if a separate flood insurance policy was purchased, generally from the National Flood Insurance Program or from a private company.
Morris Insurance Agency, LLC