Home and auto insurance in South Mobile, AL
The 36605 ZIP covers neighborhoods south of downtown Mobile, including Maysville and Navco, and homes along Dog River. 41% of homes here were built before 1960, and 46% of households rent.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Home and auto bundled when it saves you money
South Mobile 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 36605.
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.
Rebuild cost is far above market value
The median home here is valued at $99,200, land included. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Mobile County comes to about $389,000. That includes a 20% allowance for coastal construction. Set the dwelling limit from rebuild cost, and on a house built before 1960, ask about ordinance or law coverage for code upgrades.
When private carriers say no: AIUA
The Alabama Insurance Underwriting Association is the backup market for homes south of the 31st parallel in Mobile and Baldwin counties when owners can't get coverage from a private carrier. It requires the home to be insured to 100% of its replacement cost, it doesn't include liability coverage, and it doesn't insure vacant property. In flood zones A and V, it requires a flood policy.
Grants for a FORTIFIED roof
Strengthen Alabama Homes, a program of the Alabama Department of Insurance, opens grant applications for Mobile County each quarter, first come, first served. A grant pays up to $10,000 toward a FORTIFIED Roof on an existing, owner-occupied, single-family home, and you pay the evaluation fee. Rentals, condos, townhomes and mobile homes don't qualify. A FORTIFIED home also gets a discount on the wind portion of the premium.
Free tool
What would your South Mobile home cost to rebuild?
Our calculator uses Mobile 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 →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.