Ono Island Home Insurance: What You Need to Know in 2025
By Meredith Amon, Licensed in Alabama and Florida
Guided by Integrity. Backed by Experience. Search the Gulf with Meredith Amon.
Ono Island is one of the most beautiful and exclusive waterfront communities along Alabama’s Gulf Coast—but insuring a home here comes with unique considerations. As a homeowner on Ono Island myself and a trusted local real estate advisor, I’m often asked about current insurance trends, recommended providers, and what new homeowners should expect when purchasing a property on this private, gated island.
Why Insurance on Ono Island Requires Extra Attention
Because Ono Island is classified as a barrier island, insurance options are more limited and regulated than in other areas. While this location offers incredible water access and privacy, it also presents increased exposure to coastal weather events, which affects coverage availability and premium pricing.
One major change we’ve seen recently is that State Farm is no longer writing new policies on barrier islands, including Ono Island. This shift has left many homeowners and buyers searching for alternative options with companies that still understand and specialize in coastal markets.
Popular Provider: Frontline Insurance
One of the more widely used insurance carriers on Ono Island today is Frontline. They've remained active in coastal areas where many others have backed out, and they are often recommended by local agencies for their competitive rates and coverage structure. However, it’s important to note that Frontline has tightened their underwriting requirements. For example, they now require fencing around swimming pools to meet liability standards—something to keep in mind if your property includes or plans to add a pool.
Trusted Insurance Agents Who Know Ono Island
Here are several local insurance professionals and agencies I recommend. They are familiar with the specific needs of barrier island properties and have helped many of my neighbors and clients secure the right policies:
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Miranda Bennett, Myrick Insurance (soon to be Point North)
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McCarron Insurance Group
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Jessica at Whitehaven Insurance
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Carl Schneider, Schneider Insurance
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Charles Jackson Insurance
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Each of these agents is well-versed in writing policies for Ono Island properties and can walk you through wind, flood, and liability coverage, as well as what it takes to insure a Gold Fortified home, which can offer significant savings and peace of mind.
My Tip as a Homeowner and Real Estate Advisor
When buying or selling a home on Ono Island, I recommend getting a quote in advance—ideally during the due diligence period. This ensures there are no surprises later in the transaction, especially when it comes to wind and flood premiums. If you're purchasing a home with a grandfathered flood policy, you may also want to consider assuming the current policy, which can lock in favorable rates.
It’s also wise to discuss pool enclosures, roof age, and fortification levels, as these significantly influence your premiums. With changing guidelines and fewer providers, being proactive makes all the difference.
If you have questions about buying or insuring property on Ono Island, I’m happy to connect you with trusted professionals or help you navigate your options. As always, I’m just a call or email away.
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Guided by Integrity. Backed by Experience. Search the Gulf with Meredith Amon.
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