Home Insurance
Protect your home and everything in it with coverage designed for Gulf Shores and Gulf Coast living.
Coverage that accounts for coastal risks
Your home is one of your most important investments, and living near the coast adds unique considerations. At New Horizon Insurance, we help you protect your property from hurricanes, wind damage, and flooding by matching you with the right homeowners policy—backed by clear guidance and local insight.
Storm protection matters
We understand the wind and water risks that come with living near the Gulf. We’ll help you make sure your policy includes the coverage you need—without paying for what you don’t.
Know what’s covered (and what isn’t)
Not all homeowners policies are created equal. We take time to walk you through exclusions, deductibles, and optional add-ons so there are no surprises when you need to file a claim.
Bundle and save
Combining your home and auto coverage could unlock meaningful savings. We’ll help you evaluate the options and make sure you’re getting solid protection across the board.
FAQs
Does homeowners insurance cover hurricane damage in Gulf Shores?
Standard policies often include wind damage, but hurricane and flood coverage may require separate endorsements or policies. We’ll help you understand what you need based on your location.
What’s typically included in a home insurance policy?
Most policies cover your dwelling, personal belongings, liability, and additional living expenses if your home becomes uninhabitable. Specific coverage can vary by insurer.
Do I need flood insurance separately?
Yes. Flood damage isn’t included in most homeowners insurance policies. We can help you add a flood policy through the National Flood Insurance Program or a private insurer.
Can I get a discount for having a security system?
Yes. Many insurers offer discounts for monitored alarm systems, fire sprinklers, and other protective features. Let us know what you have, and we’ll look for eligible savings.
How much coverage do I need?
We’ll help you calculate the cost to rebuild your home, replace your belongings, and account for liability risk—so you’re covered without overpaying.
Talk to someone who understands Gulf Coast insurance
Get Clear Answers and Personalized Coverage
We’re not here to sell you more than you need—just to make sure you have the right protection in place. Contact us today for a free homeowners insurance review and quote.