island insurance agency llc
fully licensed and insured 
Currently specializing in wind and flood coverages

Specializing South of Interstate 10 in the High Risk Wind Pool and Flood for Homes.
Authorized by Alabama Insurance Underwriting Association (AIUA)
Authorized by National Flood Insurance Program (NFIP)

Island Insurance agency LLC

Sand Island Lighthouse 1859

Welcome to Island Insurance Agency LLC located on Dauphin Island.  We are Fully Licensed and Insured and have 15 years experience in the Insurance Industry.  We serve all of Alabama but Specialize South of I-10 while handling all of your insurance needs.  We serve individuals, families and businesses. 

We are here to provide innovative insurance solutions to you.  And we will provide this service with Honesty and Integrity.  We are truly here to help you save money.  We will always diligently look for new avenues for competive prices.

We currently specialize in Hurricane and Flood protection for people who are in the high risk areas.

We treat each customer as an individual and specialize in their insurance to their needs.  

Do you really know if you have the right insurance?  Do you know what your insurance covers and what your insurance does not cover?  We can help you.

Relax and fish while we handle all your insurance needs

Somtimes cancelling one policy and buying another policy is not cost effective.  We can direct you the right way to go.  Maybe you should wait for renewal, then again, maybe not.  

Do you have enough insurance or do you need an Umbrella Policy?  What about package deals - insure your home, auto, RV, boat with one insurance company or split the coverages with different insurance companies.  We will see what the best direction is for you.

For people looking for less priced Hurricane Coverage, before you build talk to a Fortified Home Evaluator.  Even if it's not a new home and you are replacing or rennovating a roof, it would be a good idea to speak with a Fortified Home Evaluator.

There are so many options and we have a group of underwriters
to help us.  WE WILL BE THERE TO GUIDE YOU IN THE RIGHT DIRECTION!!

Condominiums Own a condominium? We can help. Inland or on the beach? We have competitive policies for both. Most condominium associations will cover the building, but you are typically responsible for covering everything inside the walls. Do you rent your condo to others? We have policies for that, too. Check with us for a full explanation.
Flood Insurance If you live on or near the water, you more than likely know about flood insurance. However, did you know that 85% of all flood claims occur in non-special flood hazard zones? You’ll be surprised how affordable flood insurance is for non-hazardous areas. Floods can happen just about anywhere. Any flood claim adjuster will tell you that if their claimants had it to do over again, they would either buy flood insurance or buy more flood insurance coverage.
Windstorm & Hail Policies Very often, the best premium can be obtained by insuring wind and hail with one company and wind-excluded coverage with another company. In coastal areas, hurricane coverage can amount to 80% of the total premium. Discounts are offered for insuring your home and auto together, but not all homeowners companies offer wind coverage. Wind-only policies have had rate reductions in recent years. Check with us to see what is best for you.
Auto If you own and drive a car, state law requires you insure it. But what kind of coverage do you need and which company will have competitive rates? We will help you answer those questions, as we have many options for any driver or driving record. More than one vehicle? Our companies offer discounts for insuring multiple vehicles to lower costs. If you have questions, Island Insurance Agency will have the answers.
Homeowners Insurance For most people, their home is their largest investment. Many homeowners have policies they don’t entirely understand. Do you know what is covered and for how much? Do you know your agent who is responsible for protecting you? Our agency will not only teach you about your policy, we will always be available for questions and guarantee a quick response. We have the companies which can offer proper coverage anywhere.
Liability Umbrellas You don’t have to be a millionaire to cause a million dollars of damage. Umbrella policies offer a million dollars or more of additional liability insurance. Plus, an umbrella will cover not only your personal home and automobiles; they can cover boats, motorcycles, vacant land, rental houses and many others. Catastrophic accidents happen to folks all the time. Having a liability umbrella is vital to protect you from lawsuits and is amazingly inexpensive.

Island Insurance Agency llc

island insurance agency llc fully licensed and insured Currently specializing in wind and flood coverages

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Island Insurance agency LLC

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