Alabama Insurance Agents
From Gulf Coast hurricanes and inland tornadoes to rural health needs and growing metro areas, Alabama families and businesses face diverse risks. Our independent agents compare multiple carriers so you can find the best balance of cost and protection in Birmingham, Huntsville, Montgomery, Mobile, Tuscaloosa, and statewide.
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Disclaimer: By submitting this form, you agree that a licensed sales representative may contact you about Medicare Advantage, Prescription Drug, and Medicare Supplement Insurance plans. This is a solicitation for insurance.
Insurance Products in Alabama
Our Alabama insurance agents serve individuals, families, and businesses with a wide range of products—from auto and home to Medicare and small business insurance—tailored to local exposures such as storm surge, hail, and liability requirements.
State minimum is 25/50/25. Many drivers add comprehensive, collision, and UM/UIM for better protection.
Policies cover fire, wind, hail, and theft. Flood and hurricane surge require separate coverage.
ACA Marketplace and private health plans with subsidies available for many Alabama households.
Compare Medicare Advantage, Medigap, and Part D options by county service area.
Term, whole life, and final expense coverage with accelerated underwriting options.
Preventive care, major dental services, and vision benefits for all ages.
Short-term and long-term income protection for workers across industries.
General liability, Workers’ Comp, and professional liability for contractors, retailers, and service providers.
Covers contractor trucks, fleets, and delivery vans on Alabama roads and interstates.
Licensed insurance producer (NPR/NPN 16944666). Availability varies by carrier, county, and risk profile.
Alabama Cities We Serve
Birmingham
Largest metro area. Popular for bundled home/auto and health insurance options.
Huntsville
Tech and aerospace hub. Auto, homeowners, and life insurance coverage in demand.
Montgomery
State capital. Strong demand for renters, liability, and business insurance.
Mobile
Gulf Coast city with hurricane risk. Flood and windstorm coverage are critical here.
Tuscaloosa
College town. Student renters, liability, and health coverage are common.
Alabama Insurance Tips
| Topic | What to Ask | Why It Matters in AL |
|---|---|---|
| Hurricane & Windstorm | Named storm/hurricane deductibles | Gulf Coast homes need special wind/hurricane coverage |
| Flood Insurance | NFIP vs private flood; waiting periods | Standard home excludes flood; vital in coastal & river areas |
| Tornado Risk | Coverage limits; deductibles | Central AL has severe tornado exposure |
| Auto Liability | Higher than minimum 25/50/25 | Protects assets against serious accidents |
| Business Insurance | Workers’ Comp, GL, COI | Many contractors need proof of coverage for jobs |
Alabama Insurance FAQ
What is the minimum auto liability in Alabama?
State minimum is 25/50/25, but many drivers opt for higher coverage and UM/UIM.
Does homeowners insurance cover hurricanes?
Wind from hurricanes is usually covered, but flood and storm surge require a separate policy.
Is flood insurance required?
Lenders may require it in high-risk zones, but it’s recommended anywhere flooding is possible.
Do Alabama businesses need Workers’ Comp?
Yes, most employers with 5+ employees must carry Workers’ Comp.
How fast can coverage start?
Auto, renters, and many small-business policies can often be bound the same day once your application is complete.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent