The top-rated landlord insurance agent in Fairhope, Alabama is Rick Phyfer - State Farm Insurance Agent, rated 4.9 stars across 425 reviews. Other highly rated options include Farmers Insurance - Andrew Malone, Chase Herrin - State Farm Insurance Agent, Globe Life Liberty National Division: The Lambeth Agencies. This directory lists 17 landlord insurance agents serving Fairhope.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rick Phyfer - State Farm Insurance Agent | 19416 S Greeno Rd | (251) 928-7500 |
| 2 | Farmers Insurance - Andrew Malone | 104 Professional Park Dr | (251) 990-4000 |
| 3 | Chase Herrin - State Farm Insurance Agent | 21611 State Hwy 181 Ste A | (251) 929-2020 |
| 4 | Globe Life Liberty National Division: The Lambeth Agencies | 106 N Greeno Rd | (866) 400-2395 |
| 5 | Alliance Insurance Group | 19009 State Hwy 181 | (251) 281-0082 |
| 6 | Steadfast Insurance | 9959 Windmill Rd | (251) 202-4207 |
| 7 | Tim Simmonds - State Farm Insurance Agent | 356 Morphy Ave | (251) 928-1400 |
| 8 | Scott Soulant: Allstate Insurance | 504 N Section St | (251) 990-9553 |
| 9 | The Myrick Agency | 860 Edwards Ave | (251) 517-5600 |
| 10 | Magic City Insurance Group, LLC | 7 Bayview St S | (251) 230-2820 |
Rick Phyfer - State Farm Insurance Agent serves clients in the Fairhope area of Baldwin County, Alabama, specializing in landlord insurance for property owners. This agency helps rental property investors protect their buildings and assets from common risks such as fire damage and liability claims. Policies typically cover dwelling structures, loss of rental income, and personal liability for accidents on the premises. The agency assists with securing coverage for single-family rentals and multi-unit residential properties. It handles property protection plans and liability coverage for landlords managing local rental real estate.
Farmers Insurance - Andrew Malone provides landlord insurance coverage for property owners in the Fairhope, Alabama area. Services include policies for dwelling protection, liability coverage, and loss of rental income. The company offers maintenance plans that help landlords manage routine property upkeep and respond to tenant repair requests. Their approach focuses on protecting rental investments from common risks like fire, weather damage, and tenant liability claims. It services single-family homes, apartments, retail spaces, and restaurants.
Chase Herrin - State Farm Insurance Agent in Fairhope, AL provides landlord insurance coverage for property owners and real estate investors who rent out residential dwellings. The agent’s policies help protect rental structures, liability exposure, and potential loss of rental income. Services include customizing individual landlord policies to match different property needs and local risk factors in coastal Alabama. Beyond Fairhope, the agency also serves landlords in the nearby community of Daphne along the Eastern Shore.
Serving Fairhope, Alabama, and the surrounding Baldwin County communities, Globe Life Liberty National Division: The Lambeth Agencies handles insurance needs for local residential and commercial rental property owners. The agency covers policies that protect landlords from liability claims and property damage. When managing a typical job, it begins with a thorough review of the client’s property portfolio and existing coverage to identify specific risk exposures.
Alliance Insurance Group in Fairhope, AL provides landlord insurance services with a distinction between one-time policy placements for single properties and recurring coverage options for clients managing multiple rental units. Coverage typically protects owners against property damage, liability claims, and lost rental income from habitable dwelling issues. The agency structures its landlord insurance service on an as-needed basis, allowing clients to request assistance when acquiring new properties, renewing existing policies, or addressing specific coverage gaps.
As Gulf Coast storm season approaches, property owners in Fairhope seek reliable coverage for rental homes and duplexes. Steadfast Insurance addresses this need as a landlord insurance agent specializing in policies tailored to local weather risks and tenant turnover. Their expertise helps investors protect income properties from potential hurricane damage, liability claims, and vacancy gaps common in the area. The process begins with a thorough property inspection to assess current conditions and determine suitable coverage limits for each rental unit.
Tim Simmonds - State Farm Insurance Agent in Fairhope, AL, provides general property insurance coverage for local landlords, with the ability to tailor policies for rental dwellings and their specific liability and building needs. The agency extends its expertise to cover protection for income loss and optional law and ordinance upgrades. It can serve commercial sectors such as offices, warehouses, and food service establishments.
Scott Soulant: Allstate Insurance provides residential landlord insurance services in Fairhope, Alabama, serving property owners in the surrounding area. Coverage options are also available for commercial rental properties in the region. The agency works with local landlords to address common needs related to property protection and liability. Clients scheduling a follow-up consultation can arrange service between regular policy review visits to adjust coverage as their rental portfolio changes.
Offering tailored coverage for rental properties, The Myrick Agency in Fairhope, AL handles the specific risks landlords face. It works with property owners to secure insurance for single-family homes and small multifamily units. General services include liability protection and loss assessment planning for owned structures. As seasonal storms affect the Gulf Coast region, the agency helps landlords review wind and hail coverage adjustments before hurricane season each year.
What Does a a Landlord Insurance Agent in Fairhope Cost?
The cost of landlord insurance in Alabama varies by property location size and coverage limits. For a single family rental in Fairhope expect annual premiums between 800 and 1500 dollars. Properties near Mobile Bay may cost 1500 to 2500 dollars due to wind and flood risk. Deductibles typically range from 1000 to 5000 dollars. This is general information not insurance advice.
About landlord insurance agents in Fairhope
Landlord insurance agents in Fairhope Alabama help rental property owners secure coverage for their investments. Alabama law does not require landlord insurance but mortgage lenders often do. Agents can explain how local risks like Gulf Coast storms affect your policy options in Baldwin County.
Frequently Asked Questions
What does landlord insurance cover in Alabama?
Landlord insurance in Alabama typically covers property damage, liability protection, and loss of rental income. It does not cover tenant personal belongings or flood damage. Flood insurance must be purchased separately through the National Flood Insurance Program.
Is landlord insurance required by Alabama law?
Alabama state law does not require landlord insurance. However if you have a mortgage on the rental property your lender will likely require a policy. Some Alabama lease agreements also require the landlord to carry certain coverage.
How do Alabama landlord insurance costs compare to other states?
Alabama landlord insurance rates are generally lower than the national average due to lower property values in many areas. However coastal properties in Fairhope may have higher premiums because of hurricane and windstorm risk. Typical annual premiums range from 800 to 2500 dollars depending on property size and location.