Protect your Baldwin County home with help from a local agent.
Brian Lehmann helps Baldwin County homeowners compare home insurance options, understand their deductibles, and request a quote.
Based in Fairhope. Serving all of Baldwin County and homeowners across Alabama.
Brian Lehmann
Licensed Alabama Insurance Agent
Alabama homes face specific risks
We start with your address and build coverage around what's actually likely to hit your roof.
Hurricanes & tropical systems
Mobile and Baldwin County face direct landfall risk most seasons. Named-storm deductibles are built into your quote up front — no surprises at claim time.
Tornadoes, year-round
Alabama sees severe weather in both spring and fall. Wind coverage is central to your policy, not an add-on.
Severe hail & straight-line wind
Roof and siding damage from thunderstorms is one of the most common claims we see. Roof age and material shape your options.
Baldwin County coverage areas
Alabama Coastal Insurance writes homeowners policies throughout Baldwin County and the Alabama Gulf Coast, including Fairhope, Daphne, Spanish Fort, Loxley, Robertsdale, Foley, Gulf Shores, Orange Beach, Bay Minette, Elberta, Silverhill, and Summerdale.
Coverage, in plain terms
No jargon. Here's what each part of a standard Alabama Coastal policy does.
Flood isn't included in any standard policy — it's separate, through the NFIP. We'll flag your flood-zone status during the application.
Speed up your quote — email us a copy of your current homeowner's declaration page, or snap a photo and text it to (251) 929-8093.
Dwelling coverage
Rebuilds your home's structure at today's local construction cost.
Other structures
Covers detached garages, fences, sheds, and carports.
Personal property
Furniture, electronics, and belongings, at home or away.
Loss of use
Pays living costs if a covered loss makes your home unlivable.
Personal liability
Protects you if someone's injured on your property.
Named-storm & wind/hail deductible
A separate deductible for hurricane and wind claims, shown clearly at quote time.
How it works
Tell us about your home
Address, year built, roof, square footage — 2 minutes.
See real coverage options
Dwelling, liability, and deductible choices tailored to your home.
Submit & hear from an agent
A licensed Alabama agent confirms details, often within one business day.
"Alabama Coastal Insurance has exceptional service. They go above and beyond for your insurance needs."
Jennifer Reynolds, Google review
Read more reviews → Leave a Google review →Meet Brian Lehmann
A licensed Alabama agent, not a call center — real answers about your home, your storm risk, and your options, before you ever apply.
Brian Lehmann
Licensed Alabama Insurance Agent
Based in Fairhope, Brian works directly with homeowners across Baldwin County and the Alabama Gulf Coast to match coverage to real coastal risk — hurricanes, wind, and hail — instead of a generic out-of-state policy.
Brian has worked with Alabama homeowners on the financial side of buying a home since 2010, beginning as a mortgage loan officer (NMLS #369470).
Certified Residential Building Inspector
International Code Council
FAQ
Fairhope, Daphne, Spanish Fort, Loxley, Robertsdale, Foley, Gulf Shores, Orange Beach, Bay Minette, and the rest of Baldwin County, plus the wider Alabama Gulf Coast.
It varies by county, distance from the coast, roof age, and construction. An agent can talk through what affects the cost once you request a quote.
In most cases, yes. Standard homeowners policies typically exclude flood damage, so flood coverage is usually a separate policy through the National Flood Insurance Program (NFIP) or a private carrier. If your home is in a high-risk flood zone and has a mortgage, your lender will usually require it. Your policy's terms decide what is covered. We'll flag your flood-zone status during the application. See our flood insurance page for Baldwin County flood zones, elevation certificates, and NFIP details.
In many Alabama counties, wind and named-storm damage has its own deductible — a percentage of your dwelling coverage, separate from your regular one. Shown clearly at the coverage step.
It depends on the home and the carrier. After you apply, an agent confirms your details and the carrier reviews the application. Some homes also need a quick inspection. Coverage begins on the effective date the carrier confirms in writing. Carriers often pause new policies while a named storm threatens the Gulf Coast, so it helps to apply before a storm is on the way.
Yes — your agent can offer bundling after your home application is submitted.
Yes. Brian Lehmann is a licensed Alabama insurance agent (Alabama license #3002993485).
Alabama Coastal Insurance by Brian Lehmann is an independent insurance agency at 520 N. Greeno Rd. in Fairhope, Alabama. Brian Lehmann is a licensed Alabama insurance agent who works with homeowners and drivers across Baldwin County and the rest of Alabama on home, flood, auto, motorcycle, boat, RV, and business insurance.
Let's get you covered
No payment or commitment required.