About Coffey Agencies Inc.

We're proud to serve the community of Jefferson, 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: In Jefferson, AL, households face various risks, including severe weather events like thunderstorms, tornadoes, and flooding, particularly in low-lying areas. Fire hazards can arise from both natural and human-made sources. Additionally, renters should be aware of theft or vandalism, particularly in densely populated neighborhoods. It's also essential to consider the risk of liability claims, especially for homeowners with pools or outdoor features. Understanding these risks can help residents make informed decisions about insurance coverage to protect their property and belongings.
  • Community & Lifestyle: Jefferson, AL, offers a welcoming community atmosphere with a mix of suburban charm and rural scenery. Residents can enjoy outdoor activities at local parks, and the close-knit environment fosters strong relationships among neighbors. With a range of local shops and eateries, residents have convenient access to essential services and recreational options. The area is known for its family-friendly events and community gatherings throughout the year, enhancing the overall quality of life. Jefferson's diversity provides a rich cultural experience, making it an attractive place for both families and individuals seeking a peaceful lifestyle.
  • Recommended Coverage:
    • Homeowners Insurance: Protects your home structure and personal belongings from various risks.
    • Renters Insurance: Covers personal property and liability in rented spaces.
    • Flood Insurance: Essential for areas prone to flooding, covering damages not included in standard policies.
    • Liability Coverage: Safeguards against potential lawsuits for injuries or damages that occur on your property.
    • Umbrella Insurance: Provides additional liability coverage beyond standard policies.
  • Notable Neighborhoods:
    • Woodlawn: A family-friendly area with well-maintained parks and schools.
    • Pleasant Grove: Known for its community events and vibrant local culture.
    • Center Point: Offers affordable housing options with convenient access to amenities.
    • East Lake: Features a mix of historic homes and modern developments.
    • Irondale: Rich in history, with a growing community and local businesses.

Explore Jefferson by ZIP Code

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

  • 36745
  • 36732
  • 36763
  • 36742
  • 36748
  • 36916
  • 36901
  • 36922
  • 36925

    • Frequently Asked Questions

    How does location affect insurance rates in Jefferson?
    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 renter's insurance. The service was quick and easy!"

    - L. Smith, Jefferson, AL

    "My homeowners insurance agent was very helpful in finding the best coverage."

    - M. Johnson, Jefferson, AL

    "Switching policies saved me money without sacrificing service."

    - T. Davis, Jefferson, AL