Home and auto insurance, shopped across multiple carriers for your best rate
One quote request, one agent, and a whole market of companies competing for your business. Falk Agency is an independent agency on Gadsden Highway, and right now our home and auto rates are some of the most competitive we've seen. If you haven't compared in a year or two, it's worth fifteen minutes.
- Home, auto, renters, condo, landlord, motorcycle, RV and boat
- Bundle discounts compared carrier by carrier, not assumed
- Re-shopped at renewal so your rate stays competitive
Commercial property & hard-to-place risks
Apartment buildings, commercial real estate portfolios, hotels and restaurants, vacant and older buildings. Placed in admitted and surplus lines markets when standard carriers say no.
- Apartments & habitationalFrame, older roofs, loss history
- Investor portfoliosMultiple LLCs, lenders and locations
- Vacant & renovationBuilder's risk and E&S placements
Licensed in Alabama, Tennessee and Georgia
Home base is Birmingham. The agency is fully licensed in all three states, so an owner with buildings in Chattanooga or Atlanta, a contractor working across the line, or a family with a second home can keep everything with one agent.
Tennessee
Fully licensed statewide
Alabama
Fully licensed statewide
Home base · Jefferson, St. Clair & Shelby counties
- Birmingham
- Trussville
- Hoover
- Homewood
- Vestavia Hills
- Mountain Brook
Georgia
Fully licensed statewide
What we insure
Most of our clients are families and individuals with a home and a couple of vehicles. Every line below is written through carriers we're appointed with directly or wholesale markets we work with every week.
Homeowners insurance
Home, condo, renters and landlord policies compared across Liberty Mutual, Openly, Foremost, Tower Hill, Homeowners of America, National General and more. Roof and wind-hail terms explained before you buy.
Home insurance →Auto insurance
Personal auto through Progressive, GEICO, Liberty Mutual, National General and others, plus motorcycle, RV and boat. Bundled with your home policy for the biggest discounts.
Auto insurance →Home & auto bundles
We quote every carrier bundled and unbundled and show you which combination is actually cheapest, because it isn't always the bundle.
Start a bundle quote →Commercial property insurance
Apartment complexes, office and retail, warehouses, mixed-use and investor portfolios. Proper valuation, sensible wind and hail deductibles, business income that actually responds.
Commercial property →Hard-to-place property & E&S
Vacant buildings, renovations, older and frame construction, hospitality, coastal exposure, prior losses. Placed through surplus lines markets when the standard market says no.
Hard-to-place property →Business insurance
General liability, workers' compensation, commercial auto, umbrella and business owner's policies for Alabama businesses, including contractors.
Business insurance →Why your home and auto rate is probably too high
Insurance companies don't price the same house or the same driver the same way. One carrier loves newer roofs and punishes older ones; another is aggressive on bundles; a third is cheapest for a household with a teenage driver and most expensive for a retiree. A captive agent can only offer one company's answer. We represent many, so the question we ask is which company wants your business most this year, and the answer changes as carriers adjust their appetite.
Right now several of our carriers are pricing Alabama home and auto very competitively, which is why we're asking clients and neighbors who haven't compared in a while to let us run the numbers. It takes about fifteen minutes with your current declarations pages, and if we can't beat what you have, we'll tell you so.
When you're a client, we re-shop your policies at renewal, handle claims follow-up and changes, and put your home, auto, and anything else you own with one agent who knows the whole picture.
Carriers we shop for you
Plus wholesale access to Scottsdale, Nautilus, Covington Specialty and other surplus lines markets for commercial and hard-to-place risks.
A commercial property specialty
Alongside the personal lines book, commercial property is the agency's specialty, and it's where an agent earns their keep. A 1960s apartment building with a mix of roof ages, a strip center with a restaurant tenant, a warehouse that's half vacant while the owner finds a new lease, a portfolio of LLC-owned rentals across three counties: each of those gets declined or badly priced by a carrier that only sees the application. We build the submission the way underwriters want to see it, with a statement of values, construction and protection details, updates, and loss history, and we send it to the markets that actually want the class.
That includes the surplus lines market. A lot of Alabama property is an E&S placement, whether because of age, construction, occupancy, vacancy, wind exposure or claims, and we work directly with wholesale brokers and non-admitted carriers every week. We'll tell you plainly what's different about a surplus lines policy before you buy one.
Around it we write general business insurance and contractor accounts, so the owners and managers behind those buildings can keep everything with one agent.
Property we place
- Apartment complexes and multi-family
- Office, retail, warehouse and mixed-use
- Investor portfolios held in multiple LLCs
- Hotels, restaurants, bars and venues
- Vacant buildings and renovations
- Coastal, older and frame construction
- Buildings with prior losses
Frequently asked questions
What is an independent insurance agency?
An independent agency represents several insurance companies instead of just one. When you ask Falk Agency for a quote, we shop your coverage across the carriers we're appointed with and the wholesale markets we work with, then recommend the fit. A captive agent can only offer one company's products.
What areas does Falk Agency serve?
Our office is on Gadsden Highway in Birmingham (Trussville area), and most of our clients are in Jefferson, St. Clair and Shelby counties. We are licensed statewide in Alabama and fully licensed in Tennessee and Georgia as well, so we can write policies anywhere in the three states, including businesses with locations across state lines.
Do you specialize in any kind of insurance?
Two things. Most of our clients are families with home and auto insurance, which we shop across multiple carriers to find the best rate and re-shop at renewal. Our commercial specialty is property: apartment and habitational buildings, commercial real estate and investor portfolios, hospitality, and hard-to-place buildings placed in the surplus lines market. We also write general business and contractor accounts.
How much can I really save by switching?
It depends on the house, the vehicles and the drivers, but it's common to see meaningful differences between carriers for the same risk, especially for homes with newer roofs, households that bundle, and drivers with clean records. Send us your current declarations pages and we'll run every carrier we represent; if we can't beat what you have, we'll say so.
How do I get a quote?
Call (205) 693-8880, email office@falkagency.com, or use the online quote forms. For property and commercial accounts we'll follow up with a short call so we can ask the questions underwriters care about, and for property schedules we'll ask for a statement of values and loss runs so the pricing is accurate the first time.