Auto Insurance
Coverage for commuters along I‑85, Taylor Rd, Vaughn Rd, and Eastern Blvd. We help set strong liability limits and deductibles that match your driving.
Insurance in Montgomery, AL (36117)
Local help with auto insurance Montgomery AL 36117, homeowners insurance Montgomery, and condo coverage. Bundle home + auto Montgomery for value and simplicity—one team, one call.
Home Insurance
Protect your home from severe thunderstorms, hail, and tornado‑driven wind across Central Alabama. Ask about roof replacement cost and water backup.
Condo Insurance
HO‑6 for interiors, upgrades, and personal property—ideal for condos near EastChase, Hampstead, Sturbridge, and AUM.
Property Risks in Montgomery, AL
Montgomery experiences the severe‑weather mix common to Central Alabama: spring and late‑fall thunderstorms with hail and occasional tornadoes, plus summer downpours that can quickly pond water on streets and overwhelm drains. Neighborhoods near Catoma Creek, Autauga Creek, and the Alabama River can face heightened flood potential. Straight‑line winds damage roofs, fences, and outbuildings; rare winter freezes may cause frozen pipe claims. Right‑sizing wind/hail deductibles, electing roof replacement cost, and adding water backup coverage can reduce out‑of‑pocket surprises. Flood is not covered by standard home policies, so if you’re near low‑lying areas or waterways, consider a separate flood policy.
ZIP Coverage
We actively serve 36117 and nearby Montgomery ZIPs:
- 36117
- 36116
- 36109
- 36115
- 36105
- 36108
- 36107
- 36110
- 36111
Community & Lifestyle
Life in 36117 centers on I‑85, Taylor Road, Vaughn Road, and Chantilly Parkway. Many residents commute toward downtown, AUM, and Baptist East, while weekends often include errands at The Shoppes at EastChase or time at Hampstead’s town center. These patterns mean higher daily mileage, campus and office parking, and homes exposed to seasonal storms. We tailor coverage to East Montgomery living—fast quotes by phone or the form below, and guidance on matching deductibles and limits to your actual routine.
Recommended Coverage Options
- Wind/Hail Deductibles: Balance premium with storm exposure common across Montgomery County.
- Roof Replacement Cost: Helps avoid depreciation on shingles after hail or wind damage.
- Water Backup: Covers sump pump or drain backups—typically excluded without this add‑on.
- Liability Limits: For drivers, consider 100/300/100 or higher; match UM/UIM to your liability limits.
Alabama Minimums vs. Recommended
State Minimum Auto Liability (AL): 25/50/25 (bodily injury per person/per accident; property damage).
Smart Starting Point: 100/300/100 or higher, plus UM/UIM at the same limits. Homeowners often pair dwelling replacement cost, wind/hail coverage, water backup, and personal liability of $300k–$500k.
Neighborhoods We Serve in Montgomery
- EastChase
- Deer Creek
- Wynlakes
- Halcyon
- Sturbridge
- Hampstead
- New Park
- Arrowhead
- Bell Road Area
- Capitol Heights
Montgomery 36117 Insurance FAQs
How are auto insurance rates determined in 36117?
Rates reflect your driving history, vehicle type, garaging ZIP, annual mileage, and claim trends along I‑85, Taylor Rd, and Vaughn Rd. Bundling home + auto can help reduce costs.
Does a standard home policy cover flood near local creeks or the Alabama River?
No. Standard homeowners policies exclude flood. If your home is near low‑lying areas, Catoma Creek, or the river, ask us about separate flood coverage options.
What documents do I need for a fast auto quote?
Have driver’s license numbers, VINs for each vehicle, your current policy declarations, and address details. We can often quote with partial info and fill in the rest.
Do you insure condos in Montgomery?
Yes. HO‑6 condo policies cover interior finishes, built‑ins, personal property, and liability. We’ll review your HOA master policy to right‑size coverage.
How does bundling home + auto Montgomery help me?
Bundling simplifies billing and typically qualifies for multi‑policy discounts. It can also align deductibles and reduce gaps between policies.
How do I start a claim?
Call us first for guidance. We’ll review your coverage, help you document damage, and coordinate next steps with the carrier’s claims team.