ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Umbrella Insurance Agents Near You in Foley, AL

Browse umbrella insurance agents serving Foley, Alabama. Updated 2026-07-14.

The top-rated umbrella insurance agent in Foley, Alabama is Acceptance Insurance, rated 4.8 stars across 354 reviews. Other highly rated options include First Baldwin Insurance, Frances Holk-Jones - State Farm Insurance Agent, Southern Risk Associates, Inc.. This directory lists 19 umbrella insurance agents serving Foley.

Showing 19 umbrella insurance agents in Foley, ALListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Acceptance Insurance201 9th Ave Ste 201(251) 494-7076
2First Baldwin Insurance8154 AL-59 #201(251) 943-6677
3Frances Holk-Jones - State Farm Insurance Agent315 E Laurel Ave #101(251) 943-5031
4Southern Risk Associates, Inc.710 E Laurel Ave(251) 316-6129
5SOUTHERN INSURANCE AL LLC820 S McKenzie St(251) 943-3340
6South Shore Insurance Agency7801 AL-59 G(251) 923-4463
7Go Insurance Agency3836 S McKenzie St(251) 213-2850
8Miranda Bennett – PointeNorth Insurance3794 S McKenzie St(251) 923-4870
9Alfa Insurance - Adams Cosby Agency231 W Laurel Ave(251) 943-5604
10Farmers Insurance - Stacie Loftin2225 N McKenzie St(251) 943-9998
AI
201 9th Ave Ste 201
Acceptance Insurance
Umbrella Insurance Agent · Foley, AL

Acceptance Insurance serves homeowners, businesses, and property managers in Foley, Alabama, who need added liability protection beyond standard policies. An umbrella insurance agent helps clients secure extra coverage limits, often safeguarding assets from major lawsuits or claims. This agency assists local residents and commercial operators in evaluating risk exposure and selecting appropriate umbrella policies that coordinate with existing home or auto insurance. It also provides coverage guidance for property owners and landlords in nearby communities and unincorporated areas of Baldwin County, including the Gulf Shores vicinity.

FB
8154 AL-59 #201
First Baldwin Insurance
Umbrella Insurance Agent · Foley, AL

First Baldwin Insurance serves the Foley, Alabama area and the surrounding Baldwin County region as an umbrella insurance agent. It provides liability coverage that extends beyond the limits of standard homeowners, auto, and watercraft policies, offering policyholders an added layer of financial protection. This type of insurance helps cover legal costs and large settlements that may arise from serious accidents or property damage claims. The company handles personal umbrella policies tailored to local coastal needs and excess liability coverage for high-risk assets.

FH
315 E Laurel Ave #101
Frances Holk-Jones - State Farm Insurance Agent
Umbrella Insurance Agent · Foley, AL

Frances Holk-Jones - State Farm Insurance Agent in Foley, AL, offers a range of umbrella insurance services designed to extend additional liability coverage beyond standard policies. The company provides a straightforward insurance plan acquisition process and can help review existing coverage to identify potential gaps. Service includes policy consultation and tailored recommendations for increased personal asset protection. The agency services various property types, including single-family homes, apartments, retail storefronts, and local restaurants.

SR
710 E Laurel Ave
Southern Risk Associates, Inc.
Umbrella Insurance Agent · Foley, AL

Southern Risk Associates, Inc. serves homeowners, businesses, and property managers in Foley, Alabama, who require an extra layer of liability protection through umbrella insurance. This firm helps clients secure coverage that extends beyond the limits of standard auto or home policies, offering greater financial security against major claims or lawsuits. They assist policyholders in assessing personal risk and selecting appropriate policy limits to protect assets. The agency also provides its umbrella insurance services to residents and business owners across the greater Baldwin County area, including the neighboring city of Gulf Shores.

SI
820 S McKenzie St
SOUTHERN INSURANCE AL LLC
Umbrella Insurance Agent · Foley, AL

Southern Insurance Al LLC serves Foley, Alabama, and the surrounding Baldwin County communities. As an umbrella insurance agent, the company handles excess liability policies that provide additional coverage beyond standard homeowners and auto insurance limits. It focuses on helping clients secure extra financial protection against major claims or lawsuits. For a typical job, the agent reviews the client's existing liability coverage, identifies potential gaps in protection, and then recommends an appropriate umbrella policy limit to match their specific asset exposure.

SS
7801 AL-59 G
South Shore Insurance Agency
Umbrella Insurance Agent · Foley, AL

For occasional liability protection, South Shore Insurance Agency offers one-time umbrella policies; clients seeking continuous coverage choose recurring annual plans, as both options extend liability limits beyond standard home and auto policies in Foley, AL. Umbrella insurance provides crucial extra protection against major claims and lawsuits, covering incidents such as accidents on your property or auto collisions. Policies respond after underlying insurance limits are exhausted, safeguarding personal assets and future earnings. Service runs exclusively on a scheduled annual basis, with automatic renewals unless a client requests a change.

GI
3836 S McKenzie St
Go Insurance Agency
Umbrella Insurance Agent · Foley, AL

Serving Foley, Alabama, and the surrounding coastal communities of Baldwin County, Go Insurance Agency handles umbrella insurance policies that provide supplementary liability coverage beyond standard home and auto limits. These policies are designed to protect against major claims and lawsuits, offering an added layer of financial security for local residents. The agency approaches each job by carefully reviewing a client’s existing insurance portfolio to recommend an appropriate liability limit that aligns with their assets and risk exposure.

MB
3794 S McKenzie St
Miranda Bennett – PointeNorth Insurance
Umbrella Insurance Agent · Foley, AL

Miranda Bennett – PointeNorth Insurance in Foley, AL specializes in arranging umbrella insurance coverage, which extends liability protection beyond standard home and auto policies. The agency guides clients through the process of assessing personal risk exposure and selecting appropriate policy limits to safeguard assets. Its general service work includes reviewing existing coverage gaps and coordinating with primary insurers. As summer crowds and seasonal rental activity increase in the Gulf Shores area, the agency helps property owners secure additional liability protection against incidents involving vacation guests.

AI
231 W Laurel Ave
Alfa Insurance - Adams Cosby Agency
Umbrella Insurance Agent · Foley, AL

Along the Gulf Coast, unpredictable weather makes extra liability protection a wise choice for property owners dealing with occasional hurricanes and heavy rains. Alfa Insurance - Adams Cosby Agency in Foley, AL provides local umbrella insurance agent services to help individuals and small businesses add a broader liability layer beyond standard policies. Their team discusses how umbrella coverage can protect savings and future earnings from major claims. An initial assessment reviews existing policy limits and personal risk exposure.

FI
2225 N McKenzie St
Farmers Insurance - Stacie Loftin
Umbrella Insurance Agent · Foley, AL

Farmers Insurance - Stacie Loftin in Foley, AL, provides general insurance coverage for personal and commercial clients and specializes in umbrella liability policies that extend protection above standard limits. Umbrella insurance adds a vital layer of financial security against large claims or lawsuits. The agency helps property owners, drivers, and business operations manage risk more thoroughly. It serves a variety of commercial sectors, including offices, warehouses, and food service establishments, ensuring these businesses have adequate liability safeguards.

PB
902 N McKenzie St
Patrick Bass Coastal Health Advisors
Umbrella Insurance Agent · Foley, AL
(251) 943-2244
chafoley.com
EA
222 W Laurel Ave
Ebert Agency Inc
Umbrella Insurance Agent · Foley, AL
(251) 943-2281
ebertagency.com
RJ
1402 S McKenzie St
Randy Jones & Associates Insurance Agency
Umbrella Insurance Agent · Foley, AL
(251) 943-5216
rjainsurance.com/locations/foley-al
FI
111 W Myrtle Ave Suite 6
Farmers Insurance - Christina Weaver
Umbrella Insurance Agent · Foley, AL
(251) 580-3951
agents.farmers.com/al/foley/christina-weaver
PI
316 S McKenzie St Suite 180
Pelican Insurance Agency, LLC
Umbrella Insurance Agent · Foley, AL
(251) 928-0100
pelicanins.com
IS
320 E Laurel Ave
Insurance Specialists
Umbrella Insurance Agent · Foley, AL
(251) 943-2728
insurancespecialistal.com
CI
313 W Laurel Ave B
Calvert Insurance
Umbrella Insurance Agent · Foley, AL
(251) 970-2808
progressiveagent.com/agents/alabama/foley/calvert-insurance-inc
FI
418 E Laurel Ave
Farmers Insurance - Michelle Gravat
Umbrella Insurance Agent · Foley, AL
(251) 943-3555
agents.farmers.com/al/foley/michelle-gravat
AI
231 W Laurel Ave Suite A
Alfa Insurance- Alec Adams
Umbrella Insurance Agent · Foley, AL
(251) 943-5604
alfainsurance.com/agents/alec-adams

What Does an a Umbrella Insurance Agent in Foley Cost?

The cost of an umbrella insurance policy in Alabama typically ranges from 150 to 400 dollars per year for one million dollars of coverage. Premiums can be higher for individuals with multiple properties, young drivers, or certain high risk activities. Your specific rate depends on your insurance company, claims history, and the underlying limits of your home and auto policies. This is general information and not insurance advice.

About umbrella insurance agents in Foley

Umbrella insurance agents in Foley Alabama help you secure extra liability coverage that goes beyond your auto and home policies. This coverage is important for residents who own property near the Gulf Coast or have rental income from beach houses. Alabama law requires minimum liability limits on auto policies but an umbrella policy can provide additional protection for serious accidents or lawsuits.

Frequently Asked Questions

What does an umbrella insurance agent in Foley do?

An umbrella insurance agent helps you purchase a personal liability umbrella policy. This policy provides coverage above your existing home and auto insurance limits. In Alabama, agents can explain how this extra layer protects your savings and future income from large claims.

How much umbrella coverage do I need in Foley Alabama?

Most agents recommend at least one million dollars in umbrella coverage. The amount you need depends on your assets and risk factors. Foley homeowners with boats, pools, or rental properties often need higher limits to protect against liability claims.

Is umbrella insurance required by law in Alabama?

No, umbrella insurance is not required by Alabama law. However, it is strongly recommended if you have significant assets or face higher liability risks. Alabama does not cap damage awards in personal injury cases, so a large lawsuit could exceed your standard policy limits.

Umbrella Insurance Agents in Other Alabama Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each umbrella insurance agent's credentials and current standing with your state Department of Insurance.