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Insurance Providers Gulf Coast

Insurance Providers On The Gulf Coast

CLICK HERE FOR Information Buyers Should Have Ready for Home Insurance Quotes

Tessa Wiggins tessa.wiggins@goosehead.com (251) 999-6931

Jeremy Clark. jclark@gulfstatesinsuranceservices.com (205) 299-1447

Whitehaven John J Sadlis.  (251) 967-3323 https://www.whitehaveninsurance.com/ 

Point North Insurance Group. Ed Bennett ed.bennett@pninsurance.com (251) 923-4875  miranda.bennett@themyrickagency.com   251-923-4876

Sheree Parker: sheree@southernshieldinsurance.com

Sandi@therowanagency.com 

McCarron Insurance Group 251.981.9999

Coastal Insurance Group 
251.344.9898
coastalinsgrp.com
Kurt Wielkens

Orion Insurance 321.213.6222

930 S Harbor City Blvd Suite 302 Melbourne FL 32901

Frontline Insurance

 

 

Example of Form Needed By Insurance Companies

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Information Buyers Should Have Ready for Home Insurance 

When requesting insurance quotes for a property on the Gulf Coast — especially on Ono Island or waterfront homes — it’s important to have the following details ready to provide. Insurance companies will ask for this information in order to give an accurate estimate.

Occupancy Status

  • Primary Home – Will you live in the property full time?

  • Second Home / Vacation Home – Will this be used only part-time?

  • Rental – Is the home being rented out?

    • Note: Orion Insurance does not handle rental properties.

Property Type

  • Single-Family Home

  • Condominium / Townhome

  • Other (multi-unit, etc.)

Pool & Safety Features

If the property has a pool, insurance companies need to know:

  • Is there a fence surrounding the pool?

  • How tall is the fence (2 feet, 4 feet, or taller)?

  • Is there a locking gate?

Dock / Waterfront Structures

  • Does the property include a dock, pier, or boathouse?

  • Are lifts or other structures attached?

  • Note: Land and waterfront structures (like docks) are not included in the replacement value.

Replacement Value

  • Insurance companies determine coverage based on the replacement value of the home only (not the land).

  • An estimator will visit the property to determine the replacement cost of rebuilding the structure.

Important Notes for Coastal Buyers

  • Orion Insurance often has higher rates for homes located south of Foley, but they tend to cover the majority of Gulf Coast properties, including Ono Island.

  • Premiums may vary depending on:

    • Flood zone designation (AE, VE, etc.)

    • Construction type (Gold Fortified, ICF, wood frame, etc.)

    • Elevation and proximity to open water

Tip for Buyers

When reaching out for quotes, be as specific as possible. Providing complete details up front helps avoid surprises later in the underwriting process and ensures the most accurate estimate.