Inside this edition

Ch. I — Homeownersfrom $71/mo
Ch. II — Floodfrom $24/mo
Ch. III — Autofrom $54/mo
Ch. IV — Landlordfrom $28/mo
Wind & Hail ReviewFree

Homeowners · Flood · Wind · Auto · Landlord · Coastal property

The lead story

Your Gulf Coast coverage, chapter and verse.

From Mobile to Fairhope, we’ve got you covered. Coastal property takes weather personally — so we read the fine print out loud, in plain language, before you sign anything.

Call or text the desk

(555) 014-2290

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Mobile · Daphne · Fairhope · Foley · Mobile & Baldwin counties

Boats moored on Mobile Bay at golden hour, seen from the Eastern Shore

Mobile Bay, looking south from the Eastern Shore

Wind & hail review

Free to property owners in the two counties. We look before we quote.

Read the almanac →

Mobile✿ Daphne✿ Fairhope✿ Foley✿ Mobile County✿ Baldwin County

The weather almanac

A free wind and hail review, before the first named storm.

Down here, the roof is the whole conversation. Wind and hail are the two lines on a coastal policy that change the price and change the payout, and most folks in Mobile and Baldwin counties have never had them read back to them in plain English. That is what the review is for — a look at what you already carry, and a straight answer about where it stands.

01

We look at the roof

Age, covering, and the shape it is in. That is where a wind claim begins and ends.
02

We read the wind and hail terms

How the policy treats wind, how it treats hail, and how those two differ from a standard homeowners form inland.
03

We walk the deductibles

The number you would actually pay out of pocket. It is often the surprise, so we put it up front.
04

We tell you what we would do

Keep it, change it, or leave it be. No cost, and nothing to sign on the day.

Advisory · Vol. I

A coastal cottage roof and chimney under a bright Gulf sky

Storm-season roof checks, Eastern Shore

Free. No cost to you. Book the review

Coverage, by the chapter

Sample starting rates · Mobile & Baldwin counties

Chapter I

Homeowners

A coastal home needs a policy written for a coastal home. We start at the roof and work outward — the dwelling itself, the contents inside it, and the liability that follows you around the property. The wind conversation happens up front, in the first call, not after a storm has already made the decision for you.

Whether you are on a slab in West Mobile, a raised cottage in Fairhope, or something with a boat shed out back, the shape of the house shapes the quote.

From $71/mo Homeowners · sample starting rate

A raised coastal cottage with a screened porch among live oaks — Raised construction, Eastern Shore

Chapter II

Flood

Flood is its own chapter, and it is not inside a homeowners policy — that is the single most common misunderstanding we run into. If you live near the bay, near a river, or on low ground anywhere across the two counties, this is the coverage worth asking about first.

From $24/mo Flood · sample starting rate

Chapter III

Auto

Two bridges, one tunnel, and an afternoon storm most days between June and September. Auto coverage that fits how you actually drive — in Mobile traffic, across the causeway, or down to the beach and back.

From $54/mo Auto · sample starting rate

Chapter IV

Landlord

A rental in a coastal county wants its own policy. The building stays protected; the tenant’s belongings stay theirs.

From $28/mo Landlord · sample starting rate

The gazetteer

Where we write coverage

Azalea Coast Insurance Group works across Mobile and Baldwin counties, from the city streets to the Eastern Shore to the south end. If you are on this map, you are in our patch.

Mobile County

MobileHome · Flood · Auto

Baldwin County

DaphneHome · Flood · Auto
FairhopeHome · Flood · Landlord
FoleyHome · Auto · Landlord

Aerial view of Mobile Bay shoreline with marsh grass and neighbourhoods — The bay, the marsh, and the rooftops behind them

Classifieds · Call today

In Mobile and Baldwin counties, protection starts with a local call.

Tell us what you own and where it sits on the map. We will tell you what the coverage looks like, what the wind and hail terms mean, and what it would cost to start — no runaround, no pressure.

(555) 014-2290

Call the desk Text a question

Your Gulf Coast coverage, chapter and verse.

Wind & hail review

A free wind and hail review, before the first named storm.

We look at the roof

We read the wind and hail terms

We walk the deductibles

We tell you what we would do