Florence has 41,701 residents in 17,745 households. We list 6 agencies for accident & health insurance in Florence. Here is what the local numbers say about the cover people here need.

Florence at a glance

6accident & health insurance agencies listed
47.9%of households rentRenters insurance
$196,300median home valueHome insurance
1973median year homes were builtRebuild cost calculator
8.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Lauderdale County

FEMA rates the overall natural hazard risk in Lauderdale County, where most Florence agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Florence
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Florence
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Florence

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Alabama

Alabama requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Florence How much liability cover do you need?

Source: revenue.alabama.gov. Checked 2026-10-24.

Questions

Accident & Health insurance in Florence

All insurance agencies in Florence · Accident & Health insurance across Alabama

Where can I find accident & health insurance in Florence?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Do I need flood insurance in Florence?

FEMA's National Risk Index rates inland flooding risk in Lauderdale County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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