Found 1 blog entry tagged as home insurance.

The Makings of a Hard Market: Insights from an Ono Island and Orange Beach Homeowner


As both a homeowner on Ono Island and a real estate advisor in the Orange Beach, Alabama area, I’ve witnessed firsthand how the insurance market has evolved over recent years. Living in a coastal community has its undeniable beauty, but it also comes with unique challenges—one of the most pressing being the impact of the hardening insurance market. Whether you're a longtime resident or a new homeowner, understanding this shift is crucial in protecting your property.

1. 2016: Height of a Soft Market

  • Just a few years ago, in 2016, the insurance market was in what we call a "soft" phase. Premiums were low, and insurers were competing to offer the best deals.…

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