ALTHEA
Harbor Insurance Agency
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Richard ▾
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Coverage
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Quote
16573 Pine Valley Ct, Loxley AL 36551
Owner-occupied SFR · 2,751 sq ft · Built 2005 · FORTIFIED™ Roof verified Feb 2025
Pick a deductible tier
Bindable · re-rates instantly
| Tier | Named Storm | All Other Wind/Hail | Annual premium |
|---|---|---|---|
| Low | 2% · $13,500 | 1% · $6,750 (floor) | $1,810 |
| Standard Recommended | 3% · $20,250 | 2% · $13,500 | $1,520$127/mo all-in |
| Mid | 4% · $27,000 | 3% · $20,250 | $1,380−$140 vs. Standard |
| High | 5% · $33,750 | 5% · $33,750 | $1,250−$270 vs. Standard |
| Max | 10% · $67,500 | 5% · $33,750 | $1,090−$430 vs. Standard |
Named Storm deductible applies when NHC issues a watch/warning for this location or sustained winds reach 58 mph. All Other Wind/Hail covers tornadoes, straight-line winds, and convective events.
Bindable
Quote #ALT-2026-04217
Expires Aug 5, 2026
Re-rate quote
Talking points for your client
At the Standard tier, max wind exposure is $20,250 per named storm; $13,500 for any other wind/hail event.
FORTIFIED™ Roof saves your client $640/yr — about $53/month off the wind premium.
Quote good through Aug 5, 2026. One-click refresh if rates move before bind.
Premium breakdown
Wind / Hail base premium$1,940
FORTIFIED™ Roof discount−$640
Ordinance & Law (25%)$58
Emergency repairs (included)—
Taxes & fees
AL surplus lines tax (6%)$80
Stamping fee (0.4%)$5
Policy fee fully earned$77
Total all-in$1,520
What's covered
A — Dwelling$700,000
B — Other Structures$67,500
C — Personal Property$337,500
D — Loss of Use$135,000
Ordinance & Law$168,750
Emergency repairs$2,500
Deductibles & term
Named Storm3% · $20,250
All Other Wind/Hail2% · $13,500
Effective dateJune 5, 2026
Term12 months
FORTIFIED™ Roof ✓
Replacement cost roof