Personal Insurance

Our Personal Insurance Department can provide individually tailored policies to protect your home, auto, or any other personal asset. Fountain, Parker, Harbarger & Associates are independent insurance agents who represent many leading personal lines insurance companies. This gives us the flexibility to accommodate a wide variety of personal insurance needs. Our Personal Insurance Department can meet all of your insurance needs with individually tailored comprehensive policies to protect your home, auto, or any other personal asset.

If you are interested in getting a quote click here, or if you would like to speak to an agent, please call 256-551-0060

Auto Insurance

We will explain options such as comprehensive and collision deductibles, personal injury protection, and lease gap coverage. We can also handle special situations such as high value autos, motorcycles or classic autos.

Home & Renters Insurance

We can help you understand coverage options such as replacement cost, valuable articles floaters, business property, and identity theft coverage. Since we represent many companies, we can often resolve special situations such as older homes with underwriting issues, coastal property with windstorm exposures, or previous claim or credit problems.

Watercraft Insurance

Boat insurance is required in many states, including Alabama and proof of insurance is also required by most marinas. Boat insurance is a good idea even if there is no specific requirement. Our personal insurance experts can help you understand the options such as liability, physical damage (called hull insurance), and coverage for trailers and accessories. We can also make sure that you receive all of the premium discounts that you qualify for including fire suppression systems, burglar alarm, and approved education courses.

Umbrella Insurance

In today’s legal environment, limits on liability insurance that were reasonable a few years ago may no longer be adequate.

A personal umbrella extends your liability limits by $1 Million or more and can also “drop down” to fill coverage gaps. Many insurance professionals believe that a personal umbrella is one of the best insurance values available today.

Family Security Plans

Fountain Parker Harbarger & Associates can help you decide which life insurance policies are best for the safety and security of your family.

Flood Insurance

Flood insurance is one of the smartest ways to protect your home or business because floods are not covered by your homeowners’ or general liability policies. Considering that a flood loss is 30 times more likely to occur than losses from fire, it’s not a risk you should be willing to take. Generally, a flood insurance policy provides coverage for physical damage to your home or personal property directly caused by a flood.

Commercial property flood insurance and personal property flood insurance are not the same thing. Each type must be purchased separately. Generally, the National Flood Insurance Program encourages people to purchase both types of insurance so that both your home and the contents within it are protected.