REP Insurance | A Firefly Agency
7000 Houston Rd, Suite 36, Florence, KY 41042
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Florence households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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7000 Houston Rd, Suite 36, Florence, KY 41042
View this agency's profile to learn more about their services.
6900 Houston Rd, Bldg. 700, Ste. 37, Florence, KY 41042
View this agency's profile to learn more about their services.
6900 Houston Rd Bldg 700, Ste 37, Florence, KY 41042
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Florence residents.
Complete 2025 insurance guide for Florence, Alabama. Compare auto rates, understand flood risks along the Tennessee River, and find local agents in the Shoals.
Home InsuranceFlorence homeowners pay $2,000-$2,500 for home insurance. Learn about Ohio Valley weather risks, flood zones, and how to save on coverage in Boone County.
Home InsuranceFlorence home insurance averages $1,928/year. Learn about tornado risk, Tennessee River flooding, historic home coverage, and savings on premiums.
Car InsuranceFlorence drivers pay $2,070/year on average. Learn Kentucky's 25/50/25 requirements, why I-75 commuters need more coverage, and how to save on rates.
Car InsuranceFlorence, KY drivers pay $212/month for car insurance. Learn how I-75 commuting, Kentucky vs Ohio rates, and your driving record affect costs.
General Insurance EducationComplete insurance guide for Florence residents covering auto, home, and flood coverage. Learn about Kentucky requirements, tri-state considerations, and how to save.
Alabama requires liability coverage of 25/50/25, which means $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. While this meets legal requirements, these limits are among the lowest in the nation and may not provide adequate protection in serious accidents. Many financial advisors recommend higher limits to protect your assets.
Yes, you should strongly consider it. Nearly one-third of all National Flood Insurance Program claims come from outside designated high-risk flood zones. In Florence, heavy rainfall, storm drain backups, and Tennessee River overflow can cause flooding anywhere in the area. Standard homeowners insurance doesn't cover flood damage, so a separate policy is essential.
The average homeowners insurance premium in Florence is approximately $1,928 per year, which is slightly below Alabama's state average of $2,058. Your actual rate depends on factors like your home's age, construction type, square footage, claims history, and proximity to flood-prone areas along the Tennessee River.
Both have advantages. Independent agents can shop multiple insurance companies on your behalf, giving you more options and competitive pricing. Captive agents represent a single company and have deep expertise in that carrier's products and discounts. Many people get quotes from both types to compare coverage and prices before deciding.
Driving uninsured in Alabama is a misdemeanor that can result in fines up to $3,000, jail time up to six months, and license suspension. First-time offenders face a $500 fine and 45-day registration suspension with a $200 reinstatement fee. The penalties escalate for repeat offenses, and you'll also be personally liable for any damages you cause in an accident.
Yes, bundling typically saves 10-25% on both your auto and home policies when you purchase them from the same insurance company. Most carriers offer multi-policy discounts, and bundling also simplifies your insurance management with a single agent, one renewal date, and streamlined claims if multiple policies are affected by the same incident.
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