The top-rated landlord insurance agent in Foley, Alabama is Acceptance Insurance, rated 4.8 stars across 354 reviews. Other highly rated options include First Baldwin Insurance, Frances Holk-Jones - State Farm Insurance Agent, Southern Risk Associates, Inc.. This directory lists 18 landlord insurance agents serving Foley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Acceptance Insurance | 201 9th Ave Ste 201 | (251) 494-7076 |
| 2 | First Baldwin Insurance | 8154 AL-59 #201 | (251) 943-6677 |
| 3 | Frances Holk-Jones - State Farm Insurance Agent | 315 E Laurel Ave #101 | (251) 943-5031 |
| 4 | Southern Risk Associates, Inc. | 710 E Laurel Ave | (251) 316-6129 |
| 5 | Josh Wild - State Farm Insurance Agent | 900 N McKenzie St | (251) 943-2886 |
| 6 | SOUTHERN INSURANCE AL LLC | 820 S McKenzie St | (251) 943-3340 |
| 7 | Bill Boulton Agency, Inc: Allstate Insurance | 313A W Laurel Ave | (251) 943-2800 |
| 8 | Absolute Insurance Agency | 721 N McKenzie St | (251) 942-6837 |
| 9 | South Shore Insurance Agency | 7801 AL-59 G | (251) 923-4463 |
| 10 | Miranda Bennett – PointeNorth Insurance | 3794 S McKenzie St | (251) 923-4870 |
Acceptance Insurance serves Jefferson County, including Midfield, Alabama, as a local provider of landlord insurance agency services. The company assists rental property owners in securing coverage tailored to residential and commercial buildings. Policies typically address liability protection for landlords, as well as potential property damage from tenants or natural events. Dedicated guidance through the claims process helps property managers maintain stable income streams. The firm handles loss-of-rent reimbursement and coverage for building structures, ensuring landlords in this region safeguard their investments against common rental property risks.
First Baldwin Insurance serves the Foley, Alabama area and the surrounding Baldwin County region as a landlord insurance agent. The company provides coverage tailored specifically for rental property owners, helping to protect against common risks associated with leasing residential units. A standard policy typically includes protection for the building structure, liability coverage for accidents on the property, and compensation for lost rental income if a unit becomes uninhabitable. First Baldwin also handles specialized endorsements for flood damage and vandalism that often affect local investment properties.
Frances Holk-Jones - State Farm Insurance Agent provides tailored landlord insurance solutions designed to protect rental property investments in the Foley, AL area. This agency offers personalized coverage options for property owners, helping to safeguard against potential liabilities and property damage risks. Clients benefit from detailed policy reviews and guidance on selecting appropriate deductibles and liability limits. The agency services various types of properties, including single-family homes, apartments, retail spaces, and local restaurants.
Southern Risk Associates, Inc., serving Foley, Alabama, and the surrounding Baldwin County communities, handles landlord insurance for residential and commercial rental property owners. It covers policies designed to protect income properties from liability claims and property damage. The company assesses each client’s unique portfolio to match appropriate coverage limits. Its general approach to a typical job involves evaluating the specific risks of each rental unit and then recommending a tailored policy that addresses those exposures directly.
Josh Wild - State Farm Insurance Agent serves homeowners, landlords, and property managers in Foley, Alabama, providing landlord insurance policies that cover rental properties. The agency helps clients protect their investments by offering coverage for dwelling damage, liability, and loss of rental income. Josh Wild works with local landlords to find insurance suited to individual property needs. The agency also assists with auto, life, and business insurance. Its service area includes the greater Baldwin County metro, extending to nearby communities such as Gulf Shores.
Southern Insurance AL LLC recognizes that landlord coverage can be structured as either a one-time policy for a single investment property or through an ongoing arrangement that adapts as a portfolio grows. This broad distinction helps property owners in Foley, AL select appropriate protection for rental dwellings, including liability and building coverage. Service typically occurs on a scheduled basis, aligning policy reviews with lease cycles and annual renewal dates to address changing occupancy or property conditions.
Based in Foley, Alabama, Bill Boulton Agency, Inc: Allstate Insurance offers specialized landlord insurance policies that protect rental properties and income. The agency also provides general homeowners and auto coverage for local residents. Its agents understand the specific risks of being a landlord along the Gulf Coast. They assist property owners with liability protection and dwelling coverage for long-term rentals. The agency helps landlords address the increased seasonal and storm-related property vulnerabilities that frequently arise during the Alabama hurricane season.
As coastal storm season approaches, property owners in Foley often review their rental property protections. Absolute Insurance Agency specializes in landlord insurance designed to meet these evolving local risks, including liabilities inherent to tenant-occupied homes and seasonal rentals. Their solutions address coverage gaps common to long-distance ownership and short-term leasing. The agency begins by conducting a thorough inspection of each property, assessing current building materials and local flood zone classifications before recommending any initial policy terms.
Based in Foley, AL, South Shore Insurance Agency helps property owners manage risk and protect their investments. Its services extend to landlord insurance, covering rental dwellings against damage and liability claims. For added security, the agency arranges coverage for lost rental income and provides protection for building structures and personal property. Commercial clients in the region can secure policies tailored for offices, warehouses, and food service operations.
Miranda Bennett – PointeNorth Insurance provides residential landlord coverage in the Foley, Alabama area, helping property owners protect their rental investments against common risks. Commercial properties, such as multi-unit apartment buildings, can also be insured through the agency’s offerings. The staff works with clients across Baldwin County to review policies that fit each unique rental situation. After an initial policy is written, they follow up between regular visits to address any changes tenants or properties may require.
What Does a a Landlord Insurance Agent in Foley Cost?
The cost of landlord insurance in Alabama typically ranges from $800 to $2,500 per year for a single-family rental property. Premiums depend on factors like property value, location in Foley, age of the home, and coverage limits. Coastal properties may have higher wind and hail deductibles. This is general information and not insurance advice.
About landlord insurance agents in Foley
Landlord insurance agents in Foley Alabama help property owners protect their rental investments with specialized policies. Alabama law does not require landlords to carry specific insurance, but mortgage lenders often mandate dwelling coverage. A local agent can explain how Foley proximity to the Gulf Coast affects wind and flood insurance needs.
Frequently Asked Questions
What does landlord insurance cover in Foley Alabama?
Landlord insurance typically covers the dwelling structure, liability protection, and loss of rental income. In Foley, policies often exclude flood damage, so a separate flood policy from the National Flood Insurance Program may be needed.
Is landlord insurance required by Alabama law?
Alabama state law does not require landlords to carry insurance. However, your mortgage lender will likely require a dwelling policy. A landlord insurance agent can help you meet lender requirements and protect your assets.
How do I choose a landlord insurance agent in Foley?
Look for an agent licensed in Alabama who has experience with rental properties. Ask about coverage for hurricane risks and whether they offer policies from multiple carriers. You can verify an agents license through the Alabama Department of Insurance.