Posted on January 20, 2026 

The Simmons Agency recently helped a homeowner in DR Horton’s Summer Salt community in Orange Beach, Alabama secure $587,500 in dwelling coverage for just $1,853 per year. This real-world example shows that quality coastal insurance doesn’t have to be expensive when you work with a knowledgeable local agency. 

Home, Wind & Coastal Insurance You Can Trust 

Insuring homes along the Alabama Gulf Coast requires specialized experience. From wind exposure and tropical weather to construction details and elevation, The Simmons Agency works with multiple insurance carriers to deliver comprehensive protection at competitive rates for both coastal and inland homes. 

We regularly insure new construction and established homes, including DR Horton developments throughout Alabama. 

Proudly Serving Alabama Homeowners 

The Simmons Agency provides home insurance, wind insurance, and coastal property coverage throughout Baldwin County and across Alabama. 

Service areas include: 

Orange Beach, Gulf Shores, Daphne, Fairhope, Foley, Robertsdale, Loxley, Elberta, Summerdale, Silverhill, Spanish Fort, Mobile, Tuscaloosa, Birmingham, Huntsville, Hoover, Auburn, and Dothan.  

Why Choose The Simmons Agency? 

✔ Local independent agency

✔ Multiple insurance carriers

✔ Expertise in coastal & wind coverage

✔ New construction & existing homes

✔ Personalized service and ongoing policy reviews 

Get a Free Insurance Review 

If you own a home in Orange Beach, Baldwin County, or anywhere in Alabama, The Simmons Agency can help you find better coverage and potential savings. Whether you’re buying a new home, switching carriers, or reviewing an existing policy, our team is here to help. 

Is Your Home Insurance Still Costing You Too Much? 

Many homeowners are overpaying simply because their policy hasn’t been reviewed. A quick, no-obligation insurance review can uncover better coverage options and real savings.