About Coffey Agencies Inc.

We're proud to serve the community of Mobile, 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: Mobile, AL, faces several property risks that homeowners and renters should consider when obtaining insurance coverage. The region is susceptible to hurricanes, especially during the Atlantic hurricane season, which can lead to significant wind and water damage. Flooding can be a major concern, particularly in low-lying areas. Additionally, the humid subtropical climate can contribute to mold growth, especially in older homes or poorly ventilated spaces. Tornadoes, although less frequent, can occur in the spring and summer months, posing a risk for severe damage. Homeowners should also be aware of potential theft and vandalism, particularly in urban neighborhoods, and the need for adequate coverage against these risks. Overall, understanding these risks can help residents make informed decisions about their insurance needs.
  • Community & Lifestyle: Mobile, AL, offers a vibrant community lifestyle rich in culture, history, and outdoor activities. Known for its beautiful waterfront and historic architecture, residents enjoy a variety of recreational opportunities, including parks, festivals, and local events. The city's diverse population contributes to a dynamic culinary scene, featuring everything from Southern comfort food to international cuisine. Mobile is also home to several museums, art galleries, and theaters, providing ample opportunities for cultural enrichment. The warm climate allows for year-round outdoor activities, including boating and fishing along Mobile Bay. With a strong sense of community and numerous family-friendly events, Mobile is an inviting place for households and renters alike to call home.
  • Recommended Coverage:
    • Homeowners Insurance: Protects your home and personal belongings from various risks, including fire and theft.
    • Renters Insurance: Covers your personal property within a rented space and provides liability protection.
    • Flood Insurance: Essential in flood-prone areas, ensuring coverage for water damage not included in standard policies.
    • Liability Insurance: Protects against claims for injuries or damages to others that occur on your property.
    • Windstorm Insurance: Important for homeowners in hurricane-prone areas to cover wind-related damages.
    • Personal Property Coverage: Safeguards your belongings, including furniture and electronics, from loss or damage.
  • Notable Neighborhoods:
    • Downtown Mobile: A bustling area known for its shops, restaurants, and rich history.
    • Fairhope: A charming community famous for its art scene and waterfront views.
    • The Heights: A residential neighborhood with a mix of historic homes and modern amenities.
    • West Mobile: Family-friendly with schools, parks, and shopping options.
    • Daphne: A picturesque suburb offering great schools and outdoor activities.
    • Saraland: A growing community with affordable housing and easy access to Mobile.

Explore Mobile by ZIP Code

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

  • 36601
  • 36675
  • 36628
  • 36644
  • 36691
  • 36602
  • 36603
  • 36604
  • 36640

    • Frequently Asked Questions

    How does location affect insurance rates in Mobile?
    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 and got great service!"

    - James T., Mobile, AL

    "The coverage options were perfect for my family's needs."

    - Lisa P., Mobile, AL

    "I appreciate the personal touch in customer service when I needed help."

    - Brian S., Mobile, AL