1
Import policy
2
Compare
3
Submit

New Althea wind quote

Import an existing HO3 policy
to begin.

Althea will extract coverage details automatically and generate a side-by-side comparison showing the combined cost of an Althea wind policy alongside the current carrier's wind-excluded policy.

Upload PDF

Drag policy here, or click to browse

Policy documents are handled securely and used solely to generate this comparison.

Alex Hartley

16573 Pine Valley Ct, Loxley, AL 36551-2540

Schneider Insurance Agency  ·  Richard  ·  251-666-5472

Policy period

03/15/2026 – 03/15/2027

Carrier

American Economy Insurance Co.

✓
Import policy
2
Compare
3
Submit

Annual savings

$623/yr

$52 per month  ·  $2,711 proposed vs. $3,334 current

Wind deductible

5% → 2%

Reduces maximum wind exposure by $20,250 per event — from $33,750 to $13,500

Binding timeline

Next business day

New wind coverage typically bound within one business day of submission, subject to no open claims

Current — Safeco HO3 Optimum

$3,334

per year

Premium breakdown

Windstorm / Hail$419
Hurricane$1,504
Total wind$1,923
All Other Perils$1,307
Optional coverages$104

Proposed — Safeco ex-wind + Althea Wind

$2,711

per year  ·  combined  ·  saves $623

Safeco — ex-wind

$1,411

All Other Perils: $1,307
Optional coverages: $104

Wind / Hail Excluded

Althea — wind only

$1,300

Gross premium: $1,900

Fortified Roof discount − $600

Deductibles

All Perils$2,500
Wind / Hail5%  ($33,750)

Deductibles — proposed

All Perils (Safeco)$2,500
Wind / Hail (Althea)2%  ($13,500) ↓

Coverages

A — Dwelling$675,000
B — Other Structures$67,500
C — Personal Property$337,500
D — Additional Living Exp.$135,000
E — Personal Liability$500,000
F — Medical Payments$5,000

Coverages — identical

A — Dwelling$675,000 ✓
B — Other Structures$67,500 ✓
C — Personal Property$337,500 ✓
D — Additional Living Exp.$135,000 ✓
E — Personal Liability$500,000 ✓
F — Medical Payments$5,000 ✓

Roof Loss Settlement

TypeReplacement Cost
Settlement100%
Roof installed2020
SurfacingAsphalt

Roof Loss Settlement

TypeReplacement Cost ✓
Settlement100% ✓
Roof installed2020 ✓
SurfacingAsphalt ✓
✓

Safeco ex-wind + Althea Wind constitutes equivalent coverage to Safeco HO3 Optimum — no gaps in protection, no coverage limits reduced.

Link copied to clipboard
✓
Import policy
✓
Compare
3
Submit

Althea Wind Policy Application

Pre-filled from Safeco Loxley and verified property data. Expand any section to review or edit before submitting.

Basic Information
16573 Pine Valley Ct  ·  Eff. 03/15/2026 ▾
16573 Pine Valley Ct, Loxley, AL 36551-2540
03/15/2026
None
Property Details
Single family  ·  2,751 sq ft  ·  Built 2005 ▾
Single family
Primary
1
2,751 sq ft
2005
Masonry veneer
Brick / masonry
Unfinished basement
Wind Mitigation
Fortified Roof ✓  ·  Hip  ·  SWR present ▾
✓ Roof  ·  verified 01/04/2026
Hip
✓ Asphalt shingles  ·  verified via cert
2020 (5 years)
✓ Present  ·  verified via cert
Present
Drip edge installed
Wind-rated
Coverages
Cov A $675,000  ·  matches Safeco policy ▾
$675,000
$67,500
$337,500
$135,000
$500,000
$5,000
✓ Safeco Loxley  ·  03/15/26 – 03/15/27