Insurance Policies

If you live in Robertsdale, Daphne, Gulf Shores, or anywhere in Mobile and Baldwin county, you need wind insurance.  Heritage Insurance provides home owners insurance, condominium, landlord, and builder’s risk coverage.  For homes, we offer a HO-3 (home owners 3) policy.  For condos, we offer a HO-6 policy.  For landlords who are renting their houses to tenants, we offer a DP-3 (dwelling policy 3).  If you are building a home, we offer a builder’s risk policy so that your new structure is insured while being built.

Wind Only Policy

If you are currently insured by an insurance company in Gulf Shores, Orange Beach, Fairhope, or anywhere in Baldwin County that does not offer wind insurance, we can offer a policy that only insures against wind related perils.  Therefore, if you like your insurance company but just wish they could complete your insurance with wind, contact us for a quote.  We will also send a quote for a full policy for you to consider.

Replacement Cost VS. Actual Cash Value

If the home that you want to insure is greater than 2 miles from the water, you are eligible to purchase an all replacement cost policy.  Otherwise, the policy offered is replacement cost on the dwelling and actual cash value on the personal property.  Our agents research each home that our customers refer to us to find the miles from the bay and the gulf, the condition of the house, it’s surroundings, risks, etc.  All of these factors determine the price of the home.