Insurance Products

Southern Coastal Insurance knows that there are as many unique insurance needs in Alabama as we have neighbors who live here! Contact us about your specific insurance needs.

Mount Pleasant, USA - May 11, 2018: Typical American residential house building in Charleston, South Carolina area with American flag and white picket fence

Homeowner Insurance

Your home is the center of your daily life and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Southern Coastal Insurance can help you find the Alabama home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.

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ALABAMA HOME & PROPERTY INSURANCE

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or a policy that covers only specified losses.

Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find an Alabama home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.

We highly recommend looking into FORTIFIED HOMES. It will save you money on insurance and give you peace of mind when a storm hits.

LEARN MORE ABOUT FORTIFIED HOMES

Your home insurance policy is most often made up of the specific options you choose and how much you pay depends on:

Options you select. Often, homeowner insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.

Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

The Right Coverage. The Right Price. The Right Value.

PROTECT THE THINGS THAT MATTER TO YOU

Make an inventory of your home and personal belongings. If possible, make a list and take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique. Talk to us today to find out how to get the best price and value on Alabama home insurance for you.

PROTECTION FOR YOUR HOME/DWELLING

PROTECTION FOR YOU & OTHER PEOPLE

MEDICAL COVERAGE

ADDITIONAL LIVING EXPENSES

PROTECTION FOR YOUR BELONGINGS

SCHEDULED PERSONAL PROPERTY COVERAGE

IF YOU RENT OUT YOUR HOME

Auto Insurance

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by accident involving your vehicle.

AN AUTO INSURANCE POLICY IS A CONTRACT BETWEEN YOU AND AN INSURANCE COMPANY

You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.

HOW MUCH AUTO INSURANCE IS RIGHT FOR YOU?

Our agents understand the Alabama car insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive, you must carry:
Liability coverage to pay for losses you cause others.
No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault.
Both liability and no-fault coverage.

We write insurance in Alabama and would be happy to help you ensure you have the right car insurance coverage. Even in states where coverage isn’t required, by law, drivers must pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance that covers damage to your vehicle.

COLLISION INSURANCE

Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

COMPREHENSIVE INSURANCE (OTHER THAN COLLISION)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage, and fire are also events usually covered by comprehensive car insurance.

Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although every state does not legally require it, you will probably need it if your car is financed.

Every person is unique – talk to us today to find out how to get the best price and value on Alabama car insurance for you.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

Boat & Watercraft Insurance

Southern Coastal Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft, and your boating equipment.

The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

Do you know what to look for in an Alabama watercraft insurance policy? Southern Coastal Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.

Here are some items you’ll need to consider when shopping for Alabama boat insurance.

NAVIGATIONAL AREA

ALABAMA BOAT INSURANCE COVERAGES

Liability Coverage: Like auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

Uninsured/Underinsured Watercraft Liability: Since boat insurance is not always mandatory, many boaters choose not to get insurance. Suppose you are hit by an uninsured or underinsured boater, and you are injured. In that case, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Medical Coverage: Medical payments coverage will pay for the cost of needed care resulting from a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at fault.

Physical Damage Coverage: Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.

Agreed Value Coverage: Watercraft depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss, you will get the value you insured it for, minus any deductible.

Fuel Spill Liability and Wrecking Removal: Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water.

As the boat’s owner, you are required by law to have this cleaned up, which can be time-consuming and expensive.

Personal Effects: Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what's required in Alabama. Personal effects coverage does not include jewelry, watches, or furs.

Unattached Equipment Coverage: This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft but is designed for use primarily on a boat. This includes lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

EMERGENCY ASSISTANCE

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

RENTER’S INSURANCE

You have many important things to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let Southern Coastal Insurance help you find coverage options that protect you, your family, and your personal property. We'll make sure that you’re properly covered.

WHAT YOU NEED TO KNOW

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.

You can choose to carry full value coverage on your personal property for a small additional premium, which ensures that you will be paid the full replacement cost of damaged or stolen items without depreciation deduction.

Group Of Friends Enjoying Dinner Party At Home Together

PROTECT YOURSELF & YOUR GUESTS

Your renter's insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided if you are sued after a covered loss, subject to the limits you have selected.

You can also select medical payment coverage that will pay for medical expenses incurred by an injured visitor at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.

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THE RIGHT COVERAGE AT THE RIGHT PRICE

Whether you’re starting out, between homes, or downsizing, we'll help you pick the Alabama renters insurance coverage that best fits your needs.

Be sure to ask about available discounts, including burglar alarm credits and account credits for customers who package their auto and/or umbrella policies with their renters insurance policy.

MOTORCYCLE INSURANCE

If you live in Alabama, chances are Southern Coastal Insurance covers what you ride. Southern Coastal Insurance insures a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers, and touring bikes, to dirt bikes and ATVs.

Your motorcycle insurance policy can include any or all of the options below. Call us today to discuss what coverage is best for you.

MOTORCYCLE COVERAGES

Liability Coverage: You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Southern Coastal Insurance works with multiple insurance companies so we can provide you with multiple motorcycle insurance coverage options at rates you can afford.

Uninsured/Underinsured Motorist Coverage: This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.

Medical Insurance: This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.

ROADSIDE ASSISTANCE

Your motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown.

CUSTOM PARTS AND EQUIPMENT

If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.

YOU MAY QUALIFY FOR DISCOUNTS

One of the great advantages of having your motorcycle coverage through a major insurance company like the ones we represent, is that you may save money by having more than one policy with us. Our agency will be able to help calculate how much money you can save. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

CONDO Insurance

Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations, and improvements you make to your unit that are your responsibility based on the condo association agreement.

Optional loss assessment coverage is also available to protect you against certain assessments that the association may levy. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let Southern Coastal Insurance help you find the right amount of coverage to suit your Alabama condo insurance needs.

ALABAMA CONDO INSURANCE

Condo insurance provides coverage for your personal property and much more. You can elect to carry Full Value Personal Property for a few more dollars, which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.

If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.

Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. We can help you determine your coverage needs to make sure you’re properly covered.

PROTECT YOURSELF AND YOUR VISITORS

EXTRA COVERAGE DOESN’T HAVE TO COST A LOT

ALABAMA RV INSURANCE

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Let Southern Coastal Insurance help you select the right coverage for your RV needs and get a great price at the same time. You can contact us and we'll get back to you with quotes from multiple companies so you can compare and save!

RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.

ALABAMA RECREATIONAL VEHICLE (RV) COVERAGES

Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.

Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.

Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.

You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:

- Stated Value - market value/actual cash value of the RV
- Agreed Value – the insured amount, regardless of the current market value
- Replacement Cost – replace your insured RV with a new RV that is most like it

Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

Roadside Assistance

Some policies include Roadside Assistance which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.

Discounts

Discounts can lower your premium. Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more. You can save money if you insure more than one item with a single company, including your home, autos, motorcycles, classic cars, and boats.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.

Landlord Insurance

As a landlord, you want insurance that’s tailored specifically to protect your rental properties. A Landlord Protection policy gives you choices when purchasing the insurance coverage you need.

ALABAMA LANDLORD PROTECTION INSURANCE

PROTECT YOURSELF

EXTRA COVERAGE DOESN’T HAVE TO COST A LOT

Flood Insurance

Since standard home insurance doesn't cover flooding, it's important to protect from floods associated with hurricanes, tropical storms, heavy rains, and other conditions that impact the U.S.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to protect themselves financially. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce flooding risk. Find out more about the NFIP and how it can help you protect yourself.

FLOOD INSURANCE COVERAGE

BUILDING COVERAGE INCLUDES

CONTENTS COVERAGE INCLUDES

Clothing, furniture, and electronic equipment
Curtains
Portable and window air conditioners
Portable microwaves and dishwashers
Carpeting that is not already included in property coverage
Clothing washers and dryers

The two most common reimbursement methods for flood claims are: Replacement Cost Value (RCV) and Actual Cash Value (ACV). RCV is the cost to replace damaged property. It is reimbursable to single-family owners, primary residences insured to within 80% of the building's replacement cost.

All other buildings and personal property (i.e., contents) are valued at ACV, which is the RCV at the time of loss, minus physical depreciation. Personal property is always valued using ACV.

Content provided by FloodSmart.gov

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Off-Road Vehicle Insurance

There’s no shortage of ways to get outside in Alabama. Whether you’re hitting the trail, the links, or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected.

Southern Coastal Insurance can help you get the specialized coverage you need for your specialized vehicles. We can help you protect your investment and let you get focus on having fun.

ARE YOUR OFF-ROAD TOYS COVERED?

DO YOU NEED INSURANCE FOR YOUR OFF-ROAD VEHICLE?

KEEPING INSURANCE COSTS LOW

Several factors can affect the cost of insuring a specialty vehicle. So how can you keep your rates low?

Be safe - If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
Choose your vehicle carefully - Some models of ATVs, dirt bikes, or other off-road vehicles are considered more aggressive machines and typically cost more to insure.
Own and Insure More Than One - With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy.
Good Coverage. Great Times
Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, dirt bike, golf cart, and other off-road vehicle insurance policies:
Collision coverage pays for covered damage to your vehicle when in a collision with another vehicle or other object.
Property damage liability coverage insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
Bodily injury liability coverage insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
Comprehensive physical damage coverage pays for covered losses resulting from incidents other than collisions - like fire, theft, or vandalism.

Let us help make sure you’re covered when you hit the trail. Contact us to find out how to get the best price and value on the Alabama motorsports insurance that’s right for you.

Personal Umbrella Insurance

To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.

What's Peace of mind worth to you?

An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection.

The cost is minimal compared to the comfort of knowing you’re covered.

Do you have enough liability insurance?

Imagine what would happen if your dog was to bite a neighbor’s child or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units?

If any of these things happened to you, there’s a good chance your current liability limits wouldn’t be adequate to protect your assets or your future earnings.

Liability Insurance Starts When Others Stop

Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.

Talk with Southern Coastal Insurance to determine the right amount of coverage for your needs.

Broad coverages

Life Insurance

Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

Don’t leave the future of you and your loved ones to chance. Southern Coastal Insurance can help you find the right Alabama life insurance coverage for you and help ensure that your policy continually meets your needs.

DYNAMIC POLICIES

For each of our neighbors in Alabama, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” include:

You recently married or divorced
You have a new child or grandchild
You have opened or expanded a business
Your health or your spouse’s health has deteriorated
You are providing care or financial assistance to a parent
Your child or grandchild requires assistance or long-term care
You recently purchased a new home
You are planning for a child or grandchild’s education
You are concerned about retirement income
You have refinanced your home mortgage in the past six months
You or your spouse recently received an inheritance
You have a sizable estate

WHAT YOU NEED TO KNOW

TERM LIFE INSURANCE

Term life insurance protects for a specified time. If you do not currently have life insurance, the term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance and is available in varying periods with fixed premiums from a one-year (annual renewable term) to 20-year (level term) period.

Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

Whole Life Insurance - Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
Universal Life Insurance - Universal life is a form of permanent life insurance characterized by flexible premiums, face amounts, and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically but is usually guaranteed to fall below a certain percentage.

What type of life insurance is best for you? Talk with an agent at Southern Coastal Insurance. We can assist in identifying the best protection for you.

ADVANTAGES OF LIFE INSURANCE

Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, but many life insurance options also offer other benefits and investment opportunities you can take advantage of while you are living.

Life Insurance Death Benefit - When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Living Benefits - The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on cash value growth unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

The right life insurance coverage for every one of our customers in Alabama is unique. Talk with the Southern Coastal Insurance team today to find out how to protect your family and your future with the right life insurance.

Business INSURANCE

OUR COMMITMENT TO SERVE YOU

INSURANCE THAT PROTECTS YOUR COMPANY, SO YOU CAN GET BACK TO BUSINESS

COMMERCIAL & BUSINESS INSURANCE PRODUCTS

General Liability Insurance – Broad insurance coverage for your business and activities
Commercial Property Insurance – Protect your business with insurance for your commercial property
Business Auto Insurance – Cover your business with insurance for commercial vehicles
Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits
Workers Compensation Insurance – Insurance coverage that helps you take care of your employees
Bonds - Protect your assets with financial backups for promises made by others.