Skip to main content
    Coffey Agencies - Insurance Services

    Insurance Learning Center

    Insurance doesn't have to be confusing. We've built this resource library to answer your questions in plain English — no jargon, no sales pitch, just honest information to help you make smart coverage decisions.

    Whether you're shopping for your first policy or reviewing coverage you've had for years, start here.

    Guides by Coverage Type

    ATV & UTV Insurance Guide: Do You Need It, What It Covers, and What It Costs

    Everything ATV and UTV owners need to know about coverage types, costs, and when insurance is required vs just smart to have.

    What Does Boat Insurance Cover? (Guide to Coverage, Cost & When You Need It)

    What boat insurance covers, agreed value vs ACV, what affects cost, and when you truly need it.

    Motorcycle Insurance Guide: Coverage for Every Type of Rider

    Everything riders need to know about coverage, costs, and protecting your bike in Alabama and Georgia.

    Auto Insurance Guide: What You Actually Need to Know

    Everything you need to know about car insurance in Alabama and Georgia — coverage types, state requirements, and how to save.

    Home Insurance Guide: Coverage That Matches Your Risks

    Protecting your largest investment. Coverage options, regional risks, and what standard policies don't cover.

    Renters Insurance: Why It's Worth Every Penny (Even If It's Not Required)

    Your landlord's insurance doesn't cover your stuff. Here's why renters insurance is worth every penny.

    Condo Insurance: What Your HOA Doesn't Cover (And Why It Matters)

    What your HOA's master policy doesn't cover — and why it matters for your finances.

    Life Insurance: The Conversation Nobody Wants (But Everyone Needs)

    The conversation nobody wants but everyone needs. Term vs. permanent, how much you need, and when to buy.

    Guides by Topic

    Alabama Insurance Requirements: Minimums, Penalties & What You Actually Need

    State minimums, penalties for non-compliance, and what coverage you actually need.

    Georgia Insurance Requirements: Minimums, Penalties & What You Actually Need

    State mandates, GEICS verification system, and recommended coverage levels.

    Bundling Home and Auto Insurance: How to Save Up to $600/Year

    How combining policies saves up to $600/year — and when it makes sense.

    Alabama vs Georgia Insurance: Key Differences

    Key differences in requirements, costs, and regulations for cross-state families.

    What Actually Happens When You File an Insurance Claim

    Step-by-step guide to auto and home claims. What to expect, common mistakes, and how we help you through the process.

    Common Mistakes When Switching Insurance Providers

    How to change insurance companies without coverage gaps, lost discounts, or costly surprises.

    Local Guides

    Auto Insurance Costs in Rome, GA: What to Expect

    What Rome drivers actually pay, what affects your premium, and how to save. Real local data for Floyd County.

    Home Insurance for Centre, AL: Storm Season Guide

    Tornado, hail, and flood risks in Cherokee County. What's covered, preparation checklists, and claims guidance.

    Still Have Questions?

    Our guides cover the basics, but every situation is different. Talk to a licensed agent who can answer your specific questions.