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We own a home on Mobile Bay. Like many in the area, we forego wind and hail coverage and just have liability, fire and theft for less than $2k/year. For another $10k/year you can have wind and hail coverage with a $50k deductible and 80% coverage after that. You read that right. If you go that route, double check your W&H deductible.
Note: to self insure for W&H, you have to own outright as the mortgage co will require full coverage.
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Mike
“I wouldn’t want to live under the conditions a person could get used to”. -My paternal grandmother having immigrated to America shortly before WWll.
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