Insurance agencies · Alabama

Insurance Agencies in Foley, AL

Local agencies in Foley for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Foley

Foley has 24,026 residents in 11,293 households. We list 8 insurance agencies in Foley. Here is what the local numbers say about the cover people here need.

Foley at a glance

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

Natural hazard risk in Baldwin County

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

  • HurricaneVery High

    Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

    Home insurance in Alabama
  • LightningVery High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Alabama
  • TornadoRelatively High

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in Alabama
  • Coastal floodingRelatively High

    Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

    Flood insurance in Alabama
  • 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 Alabama

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 AlabamaHow much liability cover do you need?

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

Questions

Insurance agencies in Foley

How do I find an insurance agency in Foley?

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.

Do I need flood insurance in Foley?

FEMA's National Risk Index rates coastal flooding risk in Baldwin County as Relatively High 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.

Do I need renters insurance in Foley?

29.1% of households in Foley rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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