The top-rated condo insurance agent in Florence, Alabama is Steve Pierce - State Farm Insurance Agent Retired, rated 4.9 stars across 455 reviews. Other highly rated options include Bert Bretherick - State Farm Insurance Agent, Farmers Insurance - Mark Holley, Alfa Insurance - The Oakley Agency. This directory lists 20 condo insurance agents serving Florence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Steve Pierce - State Farm Insurance Agent Retired | 3001 Cloverdale Rd | (256) 764-2285 |
| 2 | Bert Bretherick - State Farm Insurance Agent | 2912 Hough Rd | (256) 764-2241 |
| 3 | Farmers Insurance - Mark Holley | 464 E Tennessee St | (256) 767-5555 |
| 4 | Alfa Insurance - The Oakley Agency | 4731 Chisholm Rd | (256) 754-7100 |
| 5 | Direct Auto Insurance | 2083 Florence Blvd | (256) 740-0886 |
| 6 | Acceptance Insurance | 3109 Florence Blvd | (256) 449-7017 |
| 7 | Lyndsay Warren - COUNTRY Financial Agent | 2101 Florence Blvd ste a | (256) 383-7077 |
| 8 | Garrett Batson - State Farm Insurance Agent | 659 Cox Creek Pkwy Suite E | (256) 764-2285 |
| 9 | B.J. Brewer: Allstate Insurance | 1705 Darby Dr B | (256) 718-1666 |
| 10 | Freeway Insurance | 129 Cox Crk Pkwy S | (256) 207-8335 |
Steve Pierce - State Farm Insurance Agent Retired serves the Florence, AL metro area, offering condo insurance options for local property owners. Coverage can include protection for individual units and interior structures. Common policies also address personal property and liability concerns specific to shared-wall living. Many policies are designed to meet homeowners association requirements while safeguarding personal belongings. This agent handles personalized condo insurance quotes and policy review services.
Bert Bretherrick - State Farm Insurance Agent in Florence, AL, provides condo insurance services tailored to individual policy needs. The agency offers personalized consultations to help clients choose proper coverage amounts and policy options. Services include evaluating dwelling protection, personal property coverage, and liability limits for various residential situations. Maintenance plans are not directly offered, but ongoing policy reviews are available to adjust coverage as circumstances change. The agency services single-family homes, apartments, retail spaces, and restaurants.
Farmers Insurance - Mark Holley serves homeowners, landlords, and property managers in Florence, Alabama, seeking tailored condo insurance coverage. The agency provides policies that protect individual units against common risks such as fire damage, liability claims, and water-related losses from inside the property. Clients benefit from local guidance on aligning personal coverage with their condo association’s master policy requirements. The agency also extends its services to property owners in the nearby Muscle Shoals and Sheffield communities within the Shoals metropolitan area.
Alfa Insurance - The Oakley Agency serves condo owners in Florence, AL, and surrounding communities throughout the Shoals region. It handles all standard matters of condo insurance, including protection for the interior structure, personal property, and liability coverage. The agency also addresses specific considerations like loss assessment coverage for shared building areas. For a typical job, it gathers a complete property overview from the client and then matches coverage options to the particular financial and structural details of the condo.
Direct Auto Insurance serves the Florence, Alabama area with condo insurance agent services. The company helps condominium unit owners in this region find appropriate coverage for their individual homes and shared building structures. Condo insurance agents in the Florence area assist clients in securing protection for personal belongings, interior fixtures, and liability risks within their units. Policies are tailored to meet HOA requirements in this market. Direct Auto Insurance handles condo loss assessments and personal property coverage for Florence residents.
Acceptance Insurance provides a full range of condo insurance policies, including options for personal liability, loss assessment, and coverage for interior fixtures and improvements. Its service plans can be tailored to address the specific risks property owners face in Florence, Alabama, such as weather-related damage. The agency assists with claims processing and policy reviews to maintain adequate protection over time. It services single-family homes, apartments, retail spaces, and restaurants.
Lyndsay Warren - COUNTRY Financial Agent in Florence, AL, specializes in condo insurance services tailored to protect individual units and shared building structures. Its general insurance work includes helping policyholders select appropriate personal property and liability coverage for their condominium living. The agency assists residents with understanding how their master policy interacts with supplemental protection for interior finishes and personal belongings. It also provides guidance regarding policy adjustments needed after seasonal renovations or when preparing for the increased storm risk common during Alabama's spring and summer months.
As autumn storms approach the Tennessee Valley, condo owners face increased risks of roof and window damage. Garrett Batson - State Farm Insurance Agent in Florence, AL, helps local residents secure coverage that protects their units and personal property. They explain policy options specific to shared-wall structures and community association requirements. This allows homeowners to navigate deductibles and common-area liability concerns with clarity. An initial property-assessment appointment is offered to identify potential coverage gaps before a policy is finalized.
B.J. Brewer: Allstate Insurance offers both one-time consultations for assessing a single policy and recurring service options for clients who prefer ongoing management of their coverage. The agency focuses on condo insurance in Florence, AL, helping property owners address deductible structures and loss assessment endorsements. Service operates on an as-needed basis, allowing clients to schedule appointments only when they require policy adjustments or have questions about their existing coverage.
Freeway Insurance serves condo unit owners and property managers in Florence, Alabama, by providing tailored coverage for individual units and common area liabilities. The agency works with clients to protect personal belongings and structural improvements against local risks like storms. Policy options typically include loss assessment protection and personal liability coverage. Freeway Insurance also extends its services to residents and property owners throughout the nearby Muscle Shoals metro area.
What Does a a Condo Insurance Agent in Florence Cost?
Condo insurance in Alabama typically costs between 200 and 500 dollars per year for a standard policy. Factors that affect your premium include the value of your personal property, your deductible choice, and the location of your condo in Florence. Flood insurance is not included and must be purchased separately, often costing 400 to 700 dollars per year depending on flood zone. This is general information and not insurance advice.
About condo insurance agents in Florence
Condo insurance agents in Florence, Alabama help unit owners secure HO-6 policies that cover personal property and interior improvements. Alabama law requires condo associations to carry master policies, but individual owners need their own coverage for deductibles and personal liability. Local agents understand the specific risks in the Shoals area, including weather related claims.
Frequently Asked Questions
What does condo insurance cover in Florence Alabama?
A standard HO-6 policy in Alabama covers personal belongings, interior walls and fixtures, and personal liability. It also provides loss of use coverage if your unit becomes uninhabitable.
Is condo insurance required by law in Alabama?
Alabama law does not require individual condo insurance, but most mortgage lenders will require it. Your condo association bylaws may also mandate that you carry a minimum level of coverage.
How does the master policy affect my condo insurance in Alabama?
The master policy covers common areas and the building structure. Your individual HO-6 policy covers everything inside your unit from the walls inward. Check with your agent to understand what the master policy does and does not cover.