Cheapest Baldwin County Insurance

What town gets the cheapest Baldwin County insurance? Price is determined by the location of your home. A house in one town will get a completely different price than it would if it were in a different town.

The Typical Home

Take the typical home in Baldwin County for example. If we were able to take that house, the typical home, and put it in all of the different towns in Baldwin county, what would the price be? The typical house has these features:

• Built in 2005, 3 bed, 2 bath, with a 2 car garage, 1 story, brick home, with a hipped shingled roof.
• Within 5 miles of a fire department and within 1000 feet of a hydrant.
• The the customer has had no claims, repossession, foreclosure, or bankruptcy.
• The home is not in a hazardous area, such as a flood zone.

Coverage A – Dwelling = $200,000

Coverage B – Dwelling = $20,000

Coverage C – Dwelling = $50,000

Coverage D – Dwelling = $20,000

Coverage E – Dwelling = $300,000

Coverage F – Dwelling = $1,000

 

All Other Peril (AOP) deductible = $2,500

Wind Deductible = $2,500

Named Storm Deductible = $10,000

 

Note that a different house would get different prices. Here are the towns that get the cheapest Baldwin County insurance:

Stockton	820
Bay Minette	930
White House Fork	930
Stapleton	990
Seminole	1160
Spanish Fort	1260
Loxley	1270
Robertsdale	1350
Silverhill	1350
Summerdale	1350
Lillian	1350
Elberta	1400
Foley	1420
Magnolia Springs	1500
Daphne	1530
Belforest	1530
Bon Secour	1740
Fairhope	1820
Gulf Shores	2600
Fort Morgan	3000
Orange Beach	3100
Perdido Beach	3100

Baldwin County Details

There are more specific reasons on why these towns get the cheapest Baldwin County insurance. Each town has measurements to the Mobile Bay and Gulf of Mexico. Usually, homes that are close to the coast cost more money. This makes sense because storms do more damage to homes near coastal areas. There are also Baldwin County fire station protection classes. If a protection class (PC) is low, the insurance will be cheaper.

 

Stockton AL 36579, PC 5, 7 & 9; 32 miles to the bay and 60 miles to the gulf. Homeowners in Stockton can expect to pay a yearly amount of $820.

Bay Minette AL 36507, PC 4 & 9; 14 miles to the bay and 42 miles to the gulf. Homeowners in Bay Minette can expect to pay a yearly amount of $930.

Summerdale AL 36580, PC 5 & 9; 10 miles to the bay and 15 miles to the gulf. Homeowners in Summerdale can expect to pay a yearly amount of $1350.

White House Fork AL 36507, PC 5 & 9; 11 miles to the bay and 40 miles to the gulf. Homeowners in White House Fork can expect to pay a yearly amount of $930.

Stapleton AL 36578, PC 5 & 9; 9 miles to the bay and 34 miles to the gulf. Homeowners in Stapleton can expect to pay a yearly amount of $990.

Seminole AL 36574, PC 5 & 9; 23 miles to the bay and 15 miles to the gulf. Homeowners in Seminole can expect to pay a yearly amount of $1160.

Spanish Fort AL 36527, PC 3, 4 & 9; 2 miles to the bay and 30 miles to the gulf. Homeowners in Spanish Fort can expect to pay a yearly amount of $1260.

Loxley AL 36551, PC 5 & 9; 9 miles to the bay and 25 miles to the gulf. Homeowners in Loxley can expect to pay a yearly amount of $1270.

Robertsdale AL 36567, PC 4 & 9; 11 miles to the bay and 20 miles to the gulf. Homeowners in Robertsdale can expect to pay a yearly amount of $1350.

Silverhill AL 36576, PC 4, 5 & 9; 8 miles to the bay and 20 miles to the gulf. Homeowners in Silverhill can expect to pay a yearly amount of $1350.

Summerdale AL 36580, PC 5 & 9; 10 miles to the bay and 15 miles to the gulf. Homeowners in Summerdale can expect to pay a yearly amount of $1350.

Lillian AL 36549, PC 4 & 9; 20 miles to the bay, 8 miles to the gulf, AND very near Perdido Bay. Homeowners in Lillian can expect to pay a yearly amount of $1350.

Elberta AL 36530, PC 6 & 7; 12 miles to the bay and 10 miles to the gulf. Homeowners in Elberta can expect to pay a yearly amount of $1400.

Foley AL 36535, PC 3 & 9; 8 miles to the bay and 10 miles to the gulf. Homeowners in Foley can expect to pay a yearly amount of $1420.

Magnolia Springs AL 36555, PC 3 & 9; 4 miles to the bay and 11 miles to the gulf. Homeowners in Magnolia Springs can expect to pay a yearly amount of $1500.

Daphne AL 36526, PC 4 & 9; 0.5 miles to the bay and 25 miles to the gulf. Homeowners in Daphne can expect to pay a yearly amount of $1530.

Belforest AL 36526, PC 4 & 5 & 9; 3 miles to the bay and 25 miles to the gulf. Homeowners in Belforest can expect to pay a yearly amount of $1530.

Bon Secour AL 36511, PC 4 & 9; 2 miles to the bay and 5 miles to the gulf. Homeowners in Bon Secour can expect to pay a yearly amount of $1740.

Fairhope AL 36532, PC 4 & 9; 0.5 miles to the bay and 20 miles to the gulf. Homeowners in Fairhope can expect to pay a yearly amount of $1820.

Gulf Shores AL 36542, PC 3 & 9; 2 miles to the bay and 2 miles to the gulf. Homeowners in Gulf Shores can expect to pay a yearly amount of $2600.

Fort Morgan AL 36542, PC 5 & 6; 0.2 miles to the bay and 0.2 miles to the gulf. Homeowners in Fort Morgan can expect to pay a yearly amount of $3000.

Orange Beach AL 36561, PC 3 & 9; 9 miles to the bay and 0.5 miles to the gulf. Homeowners in Orange Beach can expect to pay a yearly amount of $3100.

Perdido Beach AL 36561, PC 4, 6, 7, & 9; 10 miles to the bay and 0.2 miles to the gulf. Homeowners in Perdido Beach can expect to pay a yearly amount of $3100.