(251) 929-8093
Serving all 67 Alabama counties

Baldwin County Home Insurance
| Alabama Coastal Insurance

Home Insurance Built for Alabama. Personal Service You Can Trust.

Looking for home insurance in Baldwin County or along the Alabama Gulf Coast? Alabama Coastal Insurance by Brian provides personalized homeowners insurance designed around the unique needs of Alabama homeowners.

Takes about 5 minutes
67
counties covered
~5 min
to a quote
Why a generic policy falls short

Alabama homes face specific risks

We start with your address and build coverage around what's actually likely to hit your roof.

Storm clouds over the Gulf of Mexico near the Alabama coast

Photo: EricEricson / Wikimedia Commons, CC BY-SA 3.0

Gulf Coast exposure

Hurricanes & tropical systems

Mobile and Baldwin County face direct landfall risk most seasons. Named-storm deductibles are built into your quote up front — no surprises at claim time.

Dixie Alley

Tornadoes, year-round

Alabama sees severe weather in both spring and fall. Wind coverage is central to your policy, not an add-on.

Statewide

Severe hail & straight-line wind

Roof and siding damage from thunderstorms is one of the most common claims we see. Roof age and material shape your options.

Where we write policies

Baldwin County coverage areas

Alabama Coastal Insurance writes homeowners policies throughout Baldwin County and the Alabama Gulf Coast, including Fairhope, Daphne, Spanish Fort, Loxley, Robertsdale, Foley, Gulf Shores, Orange Beach, Bay Minette, Elberta, Silverhill, and Summerdale.

Fairhope Daphne Spanish Fort Loxley Robertsdale Foley Gulf Shores Orange Beach Bay Minette Elberta Silverhill Summerdale
What's actually in the policy

Coverage, in plain terms

No jargon. Here's what each part of a standard Alabama Coastal policy does.

Flood isn't included in any standard policy — it's separate, through the NFIP. We'll flag your flood-zone status during the application.

Speed up your quote — email us a copy of your current homeowner's declaration page, or snap a photo and text it to (251) 929-8093.

Dwelling coverage

Rebuilds your home's structure at today's local construction cost.

Other structures

Covers detached garages, fences, sheds, and carports.

Personal property

Furniture, electronics, and belongings, at home or away.

Loss of use

Pays living costs if a covered loss makes your home unlivable.

Personal liability

Protects you if someone's injured on your property.

Named-storm & wind/hail deductible

A separate deductible for hurricane and wind claims, shown clearly at quote time.

Start to finish

How it works

01

Tell us about your home

Address, year built, roof, square footage — 2 minutes.

02

See real coverage options

Dwelling, liability, and deductible choices tailored to your home.

03

Submit & hear from an agent

A licensed Alabama agent confirms details, often within one business day.

"Alabama Coastal Insurance has exceptional service. They go above and beyond for your insurance needs."

Jennifer Reynolds, Google review

Read more reviews →
Alabama-licensed agents on every policy
Underwritten by A-rated carriers
No cost to see your options
Your Alabama agent

Meet Brian Lehmann

A licensed Alabama agent, not a call center — real answers about your home, your storm risk, and your options, before you ever apply.

Brian Lehmann

Licensed Alabama Insurance Agent

Based in Fairhope, Brian works directly with homeowners across Baldwin County and the Alabama Gulf Coast to match coverage to real coastal risk — hurricanes, wind, and hail — instead of a generic out-of-state policy.

(251) 929-8093 brianl@alcoastalinsurance.com brian@hoinow.com
Common questions

FAQ

Homeowner quote request

Let's get you covered

No payment or commitment required.