The 14,618 residents of Foley, AL love living, working and playing in Alabama's Daphne-Fairhope-Foley micropolitan area. Families can take weekend trips to Florida, kayak on Wolf Bay, and play in numerous parks. It's a great place to own a home — but that doesn't mean homeownership comes without risk.
Are you prepared if bad weather causes property damage or if a burglar breaks in? To combat the risks you face, partner up with an Independent insurance agent. Your local agent will assess your risks and find a Foley home insurance policy that works for you and gets you the money you deserve.
- National yearly premium average: $1,211
- Alabama yearly premium average: $959
Alabama homeowners generally see higher-than-average insurance rates, but that doesn't mean you should be overpaying for basic coverage. Your home insurance should be personalized to your unique history and house, including factors such as the home's ZIP code, building materials, and age. Let an agent compare quotes and find a policy that is comprehensive and unique to your needs.
Second Home and Vacation Home Insurance
Because of Foley's geographical proximity to both Florida and Mississippi, it offers a great getaway. Many families and retirees have secondary residences here, using them to escape the winter cold or busy city life in Montgomery. These homes are may often be — meaning more insurance is necessary. Discuss your options with a reliable agent to feel secure.
Burglary Rates In Alabama
- National average for burglaries per 1,000 homes: 3.76
- Alabama average for burglaries per 1,000 homes: 5.9
A home break-in can happen when you least expect it, regardless of how intense your guard dog is or how intricate your security system is. Proper Foley homeowners insurance compensates you for property theft or damage that may occur during a burglary, so you don't suffer any financial hardship. Enjoy peace of mind by talking to an independent insurance agent about what is and isn't covered.
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Catastrophic Events in Alabama
- Number of declared disasters in Alabama: 93
- Most common reasons for disasters in the state: Severe Storms
- Average number of tornadoes per year in Alabama: 44
- Average amount of property damage per year in Alabama: $670,506,000
- 1 in 15 insured homes has a claim each year
Homeowners insurance is designed to cover you against a variety of hazards you face as an Alabama homeowner. Fires, severe weather, and break-ins can cause significant damage to your home, and without home insurance, you’d have to pay for repairs on your own. One tornado can wipe out your entire property and leave you with nothing. An insurance agent can help you review your structure and contents coverage limits so you can be sure that they are high enough to enable you to rebuild, repair, or replace should the worst happen.
What Are the Risks in Foley, AL?
It's no surprise that the biggest risks you face as a Foley homeowner involve the weather. The town's location presents a number of opportunities for strong storms, hurricanes and tornadoes to strike in a heartbeat — leaving terrible property damage after the fact. Be prepared with a comprehensive homeowners insurance policy and an agent on your side.
Compare Foley Home Insurance Quotes
Independent insurance agents are experienced in assessing the unique risks of each homeowner and will work hard to find a unique policy to protect you and your family. These independent agents aren't tied to one carrier and can compare quotes with numerous carriers to give you options when it comes to both coverage and price.
Contact your local agent today to get a Foley homeowners insurance quote.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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