Home and auto insurance in Orange Beach, AL
Orange Beach sits on the Gulf next to the Florida line. In the 36561 ZIP, about half of all homes are held for seasonal or occasional use, and half are in buildings with 50 or more units.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Boat coverage for Perdido Bay and the Gulf
Orange Beach by the numbers
The homes here, and what that means for coverage
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates, ZIP code 36561.
Condo owners: start with the master policy
Half the homes here are in buildings with 50 or more units. The association's master policy decides where your condo policy starts, so ask for it, including its wind deductible. If the association assesses owners after a loss, loss assessment coverage on your condo policy pays your share of a covered assessment. The standard form pays $1,000, and you can buy more.
Know your named-storm deductible
Many policies here carry a separate deductible for named storms, usually a percentage of the home's insured value. The Alabama Department of Insurance says these run from 1% to 10%. On a $300,000 home, a 5% deductible means you pay the first $15,000. Check whether yours applies per storm, per season or per calendar year.
Tell us if you rent to vacationers
If you rent your condo or house to guests, say so when you quote. The standard condo and homeowners forms don't cover theft from the part of your home you rent to others, and a short-term rental usually needs an endorsement or a different policy.
Wind and flood are separate decisions
Homeowners and condo policies exclude flood, and so do policies from the Alabama Insurance Underwriting Association, the backup market here for homes private carriers won't write. In flood zones A and V, AIUA requires a flood policy, except for condo units above the second floor. Most flood policies start 30 days after purchase, so decide before storm season.
Free tool
What would your Orange Beach home cost to rebuild?
Our calculator uses Baldwin County construction costs. Enter your square footage and finish level and check the result against Coverage A on your policy.
Run the rebuild calculatorAuto in Alabama
State minimum: 25/50/25
That's $25,000 per person and $50,000 per accident for injuries you cause, and $25,000 for property damage. Most households need more. Our guideline is liability equal to 2.5 times household income or net worth, whichever is greater.
Every Alabama auto policy includes uninsured motorist coverage unless the named insured rejects it, and a rejection carries over to renewals with the same insurer until you ask for the coverage in writing. It also pays when the at-fault driver's limits are too low to pay for your injuries. On one policy covering several cars, your recovery can include the coverage for up to two additional vehicles.
Find your liability number →Perdido Bay and the Gulf
Boat insurance on Perdido Bay and the Gulf
On the standard homeowners form, a boat with its motor and trailer is covered for about $1,500, and liability is excluded for most boats with larger motors. A boat policy covers the boat, the motor, the trailer and the liability when something happens at the dock or on the water.
If you keep a boat at a marina here, ask how your boat policy handles named-storm damage and whether it carries its own storm deductible.
Send us your current policy
We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.