About Coffey Agencies Inc.

We're proud to serve the community of Foley, AL and the surrounding areas. Our licensed team of local agents knows the ins and outs of insurance coverage options and risks specific to our region.

Coffey Agencies Inc. was founded on the principle of providing personalized service and making it easy for families and businesses to find the right insurance solutions. We partner with top carriers to offer competitive rates without sacrificing quality or service.

Insurance Services

We offer a full range of insurance products designed to protect what matters most. Whether you need coverage for your home, car, business, or life, we've got you covered.

  • Auto Insurance – Protecting your vehicle and your wallet from unexpected accidents
  • Homeowners Insurance – Safeguarding your property from damage, theft, and liability
  • Renters & Condo Insurance – Customized coverage for personal belongings and liability
  • Life Insurance – Financial security for your loved ones in times of uncertainty
  • Business Insurance – Tailored protection for small businesses, contractors, and more

Property Risks & Coverage

Understanding the risks unique to our area can help you choose the right coverage options:

  • Property Risks: Foley, AL, experiences various property risks, including potential flooding due to its proximity to the Gulf Coast and heavy rainfall during hurricane season. Homeowners may also contend with wind damage from storms, especially during late summer and fall. Additionally, the humid subtropical climate can lead to risks associated with mold and mildew in homes, particularly if not well-maintained. Residents should consider the impact of seasonal storms and the need for adequate drainage systems to mitigate water damage. Regular maintenance and inspections can help identify vulnerabilities before they become significant issues.
  • Community & Lifestyle: Foley, AL, offers a vibrant community lifestyle characterized by a mix of suburban charm and coastal recreation. Residents enjoy access to beautiful beaches, parks, and numerous outdoor activities, such as fishing and hiking. The city hosts local events and festivals throughout the year, fostering a strong sense of community among its residents. Foley is also home to a variety of local shops and restaurants, enhancing the small-town feel while still providing modern conveniences. The area has a family-friendly atmosphere, making it appealing for households and renters alike, with schools and healthcare facilities readily accessible.
  • Recommended Coverage:
    • Homeowners Insurance: Protects against damage to your home and personal property.
    • Renters Insurance: Covers personal belongings in case of theft or damage.
    • Flood Insurance: Essential due to the risk of flooding in coastal areas.
    • Liability Insurance: Provides protection against legal claims for injuries or damages.
    • Windstorm Insurance: Important for residents in hurricane-prone regions.
  • Notable Neighborhoods:
    • Downtown Foley: A lively area with shops, restaurants, and community events.
    • Gulf Shores: Known for its stunning beaches and vacation rentals.
    • Lakeview Estates: A quiet residential neighborhood with family-friendly amenities.
    • Woodland Park: Offers spacious homes and parks for outdoor activities.
    • Pinewood Estates: A peaceful community with a mix of new and established homes.

Explore Foley by ZIP Code

The cost and coverage of insurance can vary based on the neighborhood. Here are some areas to consider:

  • 36535
  • 36555
  • 36536
  • 36511
  • 36580
  • 36542
  • 36576
  • 36547
  • 36530

    • Frequently Asked Questions

    How does location affect insurance rates in Foley?
    Home and auto rates can vary by neighborhood based on factors like crime rate, proximity to emergency services, and historical claims. Working with a local agent helps ensure you get the right coverage for your ZIP code.
    Do I need renters insurance if my landlord has insurance?
    Yes. Your landlord's policy covers the building, but not your personal belongings or liability. Renters insurance provides this protection.
    What discounts are available?
    Common discounts include bundling policies, safe driving, home security systems, and being claims-free. Let us help you find all the savings you qualify for.

    Testimonials

    Hear what your neighbors are saying about Coffey Agencies Inc.:

    "I saved a lot on my renters insurance compared to my last policy!"

    - James T., Foley, AL

    "The service was excellent, and I found the perfect coverage for my home."

    - Sarah M., Foley, AL

    "I appreciate the personal touch in helping me understand my options."

    - Chris B., Foley, AL