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Southern Risk Associates

710 E Laurel Ave
Foley, AL 36535

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Drivers in Foley, AL can count on Southern Risk Associates when they are in the market for auto insurance...

When you are looking for home insurance in Alabama, there are many things on your mind...

Having a business entails exposure to certain risks that can threaten your financial stability and the ability...

Finding proper motorcycle insurance while enjoying the roads of Foley, AL might seem like a challenging task...

If you own a boat in Foley, AL, you are not required to have boat insurance. However, you may be required...

Foley, AL Insurance Agents • Southern Risk Associates

Welcome to Southern Risk Associates

If you are looking for a new insurance policy for your Alabama business, car, home, or recreational vehicle, it is often more cost-effective for you to bundle your insurance products to save money and time. Alabama is a unique state with its own needs when it comes to insurance policies.

At Southern Risk Associates, we want Foley, AL residents to feel protected in everything they do.

Home Insurance, Renters Insurance, Condo Insurance

Alabama's law does not require you to have home insurance, renter's insurance, or condo insurance. However, your lender may require it.

Each of these kinds of insurance policies is very similar in concept, but our associates can help you design the policy that best suits your needs. For home insurance, renters insurance, and condo insurance, you will want to consider both property damage coverage and liability coverage to start.

Property damage protection will protect you and your home from any damage caused by theft, vandalism, and some water problems. Liability coverage will protect you if an accident or liability occurs on your property or in your home.

Flood protection is a separate policy and can be added to any home insurance, whether you are a renter or a homeowner.

Auto Insurance

In Alabama, the minimum requirements for auto insurance are property damage liability and personal injury liability. You must have a minimum amount of coverage to drive in Alabama. If you want more protection, you can purchase more coverage. A common addition to Alabama auto insurance policies is comprehensive insurance that will cover you for additional risks such as storm damage, theft, or any risk that isn't the result of a collision.

Recreational Insurance

Recreational vehicles are classed according to size, and they will be insured accordingly. These vehicles are covered very much like auto insurance.

You will be required to hold property damage liability coverage and personal injury protection insurance. This will cover you in the event of collisions and any bodily injuries that may crop up as a result of a collision.

If you want more protection than that, there are additional coverages that you can purchase for recreational insurance, RV insurance, and motor home insurance.

Additional Insurance Coverage

These are just a few of the different types of insurance products that we can help you with. We can also help you with:

  • Commercial insurance
  • Motorcycle insurance
  • Boat/watercraft insurance
  • Umbrella insurance

Get a Quote

When looking for insurance in the Foley, AL area, Southern Risk Associates has an insurance product to meet every Alabama resident's need. Call us for a quote today.

Servicing States

  • Alabama
  • Mississippi
  • Georgia
  • Florida

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards anytime!


Partner Carriers

  • Alcon insurance services
  • American Modern
  • Amwins
  • Chubb
  • Guard Insurance
  • National General
  • Openly
  • Orchid
  • Orion 180
  • Progressive
  • RPS
  • SafeCo
  • Sagesure
  • State Auto
  • Swyfft
  • Traveler's
  • Universal Property