Dwelling
The structure itself — fire, wind, and the sudden accidents a mortgage lender expects you to cover.
Personal lines
Home, condo, and renters coverage — written for how people actually live here.
A policy should match the house, the outbuilding, the pond, and the stuff inside. We place homeowners, condo, and renters coverage with carriers that will still be there after a storm.
What we write
Personal property
Furniture, clothes, electronics, and the things that take years to replace. Ask us about scheduled items.
Liability & medical
If someone is hurt on your property, this is the coverage that stands between you and a lawsuit.
Loss of use
Hotel and extra living costs if a covered claim makes the house unlivable while it’s being repaired.
Questions we hear a lot
Does a homeowners policy cover flood?
No. Flood is a separate NFIP or private flood policy. If you are anywhere near a creek, pond, or low-lying Baldwin County road, ask us before storm season.
I rent. Do I still need insurance?
Your landlord’s policy covers the building, not your stuff and not your liability. Renters insurance is inexpensive and we write it every week.