Homeowners policies
Dwelling, contents and liability with replacement cost verified against a real rebuild estimate.
Gulf Coast homes since 2006
The cheap policy is the one that fails after a storm
We write wind, flood and homeowners coverage on the coast and we read your deductibles out loud before you sign anything.
3,600homes insured
20 yrson the Gulf Coast
11carriers represented
What we write
Homeowners, wind, flood and the gaps between
On this coast three separate policies often cover one house, and the seams between them are where claims fail.
Windstorm and hail coverage
Separate wind policies where the standard carrier excludes it, with the deductible explained.
Flood insurance
Federal and private flood options compared, including homes outside the mapped zone.
Older and coastal home placement
Roof age, wiring and proximity to water handled with carriers that still write them.
Landlord and rental property
Dwelling fire policies with loss of rents for one to four unit rentals.
Policy gap review
We read your current declarations page and list every gap in writing.
Why coastal is different
We have been through the storms with our clients
Cypress Row has written coastal homes since 2006 and has walked clients through several named storms since. We know which carriers pay claims cleanly here, which fight over roof age, and what a five percent wind deductible really means on a four hundred thousand dollar home. We put those numbers in writing before you buy, not after the tarp goes on.
•Wind and flood deductibles shown in dollars, not percentages
•Rebuild cost estimated properly, not copied from the tax appraisal
•We help file and follow your claim
Reviews
What homeowners tell us
“They pointed out my flood policy only covered the structure and none of my contents. I had been paying for that gap for six years.”
Elaine V., Fairhope
“After the last storm they had my claim filed the same morning and checked on the adjuster twice. My neighbor is still waiting on his online carrier.”
Terrance J., Mobile
“Nobody would write my 1968 house with the original panel. Cypress Row found a carrier and told me exactly what to fix to lower the rate.”
Sonia B., Midtown Mobile
FAQ
Coastal coverage questions
Do I need flood insurance if I am not in a flood zone?
Often yes. A large share of flood claims come from properties outside the high risk mapped zones, where premiums are also far lower. If your home has ever taken water in a heavy rain, the map is not the right guide.
What is a percentage wind deductible?
It is a deductible calculated as a percentage of your dwelling coverage rather than a flat dollar amount, and it applies only to named storm damage. Two percent on a four hundred thousand dollar dwelling means eight thousand out of pocket before the carrier pays. We always quote it in dollars.
Why do carriers care so much about my roof?
Roof age drives most storm claims here, so many carriers will not write a roof over fifteen to twenty years old or will only pay actual cash value on it. Replacing an aging roof frequently lowers premiums enough to matter and restores full replacement coverage.
How much dwelling coverage should I carry?
Enough to rebuild at today's local construction cost, which is usually well above your purchase price or tax appraisal. We run a rebuild estimate on your square footage and finishes so you are not underinsured when it counts.
Contact
Let us read your policy
Send us your declarations page and we will come back with a written list of what is covered and what is not.
Phone(281) 555-0181
Address3701 Airport Blvd, Suite 140, Mobile, Alabama
HoursMon to Fri 8am to 5:30pm
AreaMobile and Baldwin counties, including Daphne, Fairhope and Gulf Shores