10 Best Insurance Agencies in Fairhope AL (2026 Guide)

Do you want to know about the Best Insurance Agencies in Fairhope AL? In this blog post, I have listed the addresses, phone numbers, emails, and types and services of the best insurance agencies in Fairhope City (including sources of information).

Also, by analyzing information from various government and trusted websites in America, I found that there are many types of natural, local, and man-made risks in Fairhope City. I discussed what type of insurance you need for these risks in Fairhope City and ways to reduce insurance premiums.

A Quick Comparison of Agencies in Fairhope AL

Agency Name	Agent Type	Top Specialty
Farmers Insurance – Andrew Malone	Captive	Personal Insurance Lines (Auto, Home, Life)
Rick Phyfer – State Farm Insurance Agent	Captive	Auto & Property Coverage
Chase Herrin – State Farm Insurance Agent	Captive	State Farm Personal Price Plan®
Sharon Hattenstein: Allstate Insurance	Captive	Personal Liability Protection
Empower Insurance Solutions	Independent	Small Business Group Health Plans
Magic City Insurance Group, LLC	Independent	Personal and commercial risk managemen
Globe Life Liberty National Division: The Lambeth Agencies	Captive	Individual and family life insurance
Eastern Shore Insurance Agency	Independent	Personal and commercial insurance policies
Steadfast Insurance	Independent	Coastal property protection
Pitman Insurance	Independent	Commercial liability, business property coverage

Best Insurance Agencies in Fairhope AL

1. Farmers Insurance – Andrew Malone

• Agent Type: Captive Insurance Agent (Licensed Farmers Insurance Representative).
• Specialties: Personal Insurance Lines (Auto, Home, Life), Commercial & Small Business Insurance Solutions, Policy Bundling & Customized Coverage Reviews
• Services Offered: Auto Insurance (Collision, Comprehensive, Liability, Roadside Assistance), Homeowners & Renters Insurance, Life Insurance, Business & Commercial Insurance (Liability, Property), Condo & Umbrella Insurance
• Quotes: Free Quotes Available
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance, Parking, Seating
• Google Rating: 4.9 ★ (273+ Reviews as of 2026 )
• Address: 104 Professional Park Dr, Fairhope, AL 36532, United States
• Phone: +12519904000
• Fax: N/A
• Email: N/A
• Website: Visit Farmers Insurance – Andrew Malone Official Site
• Office Hours: Open: Monday – Friday: 8:00 AM – 5:00 PM | Saturday – Sunday: Closed

Farmers Insurance agent Andrew Malone, located in Fairhope, Alabama, offers reliable coverage options including auto, home, life, and business insurance. The agency provides personalized, local guidance to help clients secure comprehensive policies tailored to their specific needs and budget.

Find the location and other details of Farmers Insurance – Andrew Malone in Fairhope City on Google Maps.

2. Rick Phyfer – State Farm Insurance Agent

• Agent Type: Captive Insurance Agent (Licensed State Farm Insurance Representative)
• Specialties: Auto & Property Coverage, State Farm Personal Price Plan® Customization, Financial & Advisory Services (Banking, Investment Services, Annuities), Coastal & Regional Insurance Solutions tailored for Baldwin and Mobile counties
• Services Offered: Vehicle Insurance: Auto, Motorcycle, Recreational Vehicles (RV/Boat), Property Insurance: Homeowners, Renters, Condo, Personal Articles, Life & Health Insurance: Life Insurance, Medicare Supplement, Supplemental Health, Business & Commercial Insurance: Small Business Policies, Liability, Other Services: Pet Insurance, Banking & Investment Services, Annuities
• Quotes: Free Quotes Available
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 5.0 ★ (470+ Reviews as of 2026 )
• Address: 19416 S Greeno Rd, Fairhope, AL 36532, United States
• Phone: +12519287500
• Fax: (251) 928-8653
• Email: N/A
• Website: Visit Rick Phyfer – State Farm Insurance Agency Official Site
• Office Hours: Open: Monday – Friday: 8:30 AM – 5:00 PM | Saturday – Sunday: Closed

Rick Phyfer – State Farm Insurance Agency, located in Fairhope, Alabama, provides reliable coverage including auto, home, life, and business insurance along with financial services. Supported by an experienced team, the agency offers personalized guidance and customized price plans tailored to fit each client’s unique needs and budget.

Find the location and other details of Rick Phyfer – State Farm Insurance Agency in Fairhope City on Google Maps.

3. Chase Herrin – State Farm Insurance Agent

• Agent Type: Captive Insurance Agent (Licensed State Farm Insurance Representative).
• Specialties: Relocation Assistance to the Alabama Gulf Coast & Baldwin County, State Farm Personal Price Plan® Customization & Multi-Policy Discounting, Comprehensive Personal, Property, and Small Business Protection
• Services Offered: Auto Insurance (Car, Motorcycle, Commercial Vehicles, RVs, Boats, Off-Road), Property & Housing Insurance (Homeowners, Renters, Condo Unitowners, Personal Articles), Life & Health Insurance (Life Insurance, Health, Disability, Supplemental Policies), Business & Commercial Insurance (Small Business Liability, Commercial Property), Financial & Other Services (Annuities, Banking Products, Pet Insurance)
• Quotes: Free Quotes Available
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 4.9 ★ (210+ Reviews as of 2026 )
• Address: 21611 State Hwy 181 Ste A, Fairhope, AL 36532, United States
• Phone: +12519292020
• Fax: (251) 929-2916
• Email: N/A
• Website: Visit Chase Herrin – State Farm Insurance Agency Official Site
• Office Hours: Open: Monday – Friday: 8:30 AM – 5:00 PM | Saturday – Sunday: Closed

Chase Herrin – State Farm Insurance Agency, located in Fairhope, Alabama, offers reliable auto, home, life, and business coverage featuring the State Farm Personal Price Plan®. Backed by over 40 years of combined team experience, the agency provides dedicated, personalized guidance for both long-time residents and newcomers across Baldwin County and the Gulf Coast.

Find the location and other details of Chase Herrin – State Farm Insurance Agency in Fairhope City on Google Maps.

4. Sharon Hattenstein: Allstate Insurance

• Agent Type: Captive Insurance Agent (Licensed Allstate Insurance Representative)
• Specialties: Personal Liability Protection, Business & Small Business Owner Coverage
• Services Offered: Vehicle Insurance: Auto, Motorcycle, Property Insurance, Life Insurance, Business Insurance
• Quotes: Free Quotes Available
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 4.7 ★ (20+ Reviews as of 2026 )
• Address: 23690 US-98 Ste E1, Fairhope, AL 36532, United States
• Phone: +12519283229
• Fax: (251) 990-7929
• Email: N/A
• Website: Visit Sharon Hattenstein – Allstate Insurance Agency Official Site
• Office Hours: Open: Monday – Friday: 8:00 AM – 5:00 PM | Saturday – Sunday: Closed

Sharon Hattenstein – Allstate Insurance Agency, located in Fairhope, Alabama, provides trusted coverage options including auto, home, renters, and life insurance. Serving the local community since 2017, the agency delivers personalized guidance to help clients protect their assets and choose the right Allstate policies for their budget.

Find the location and other details of Sharon Hattenstein – Allstate Insurance Agency in Fairhope City on Google Maps.

5. Empower Insurance Solutions

• Agent Type: Independent Health Insurance Agency
• Specialties: Individual, Family, and Small Business Health Insurance Solutions, Affordable Healthcare Package Customization & Consultation
• Services Offered: Health Insurance Plans: Individual ACA (Obamacare) & Family Coverage, Dental & Vision Insurance, Small Business Group Health Plans, Supplemental Insurance, TeleMedicine Services & Coverage
• Quotes: Free Quotes Available
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 5.0 ★ (20+ Reviews as of 2026 )
• Address: 193 Falls Creek St, Fairhope, AL 36532, United States
• Phone: +12518806108
• Fax: N/A
• Email: N/A
• Website: Visit Empower Insurance Solutions Official Site
• Office Hours: Open: Monday – Friday: 8:30 AM – 7:00 PM | Saturday – Sunday: Closed

Empower Insurance Solutions, located in Fairhope, Alabama, is an independent insurance agency specializing in affordable health, dental, and vision insurance for individuals and small businesses. The agency offers expert, personalized guidance to help clients evaluate options and choose insurance plans tailored to their specific healthcare needs and budget.

Find the location and other details of Empower Insurance Solutions in Fairhope City on Google Maps.

6. Magic City Insurance Group, LLC

• Agent Type: Independent Insurance Agency
• Specialties: Personal and commercial risk management, asset protection, and multi-state insurance coverage across Alabama, Mississippi, Tennessee, and Texas
• Services Offered: Personal Lines: Auto, Homeowners, Renters, Condo, Umbrella, Life, and Flood Insurance, Recreational Coverage: Boat/Watercraft, Motorcycle, RV, ATV, and Classic Car Insurance, Commercial Lines: General Business Insurance, Equipment & Asset Protection, Commercial Property, and Liability Coverage
• Quotes: Free Quotes Available
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 5.0 ★ (10+ Reviews as of 2026 )
• Address: 7 Bayview St S, Fairhope, AL 36532, United States
• Phone: +12512302820
• Fax: 205-660-8989
• Email: [email protected]
• Website: Visit Magic City Insurance Group, LLC Official Site
• Office Hours: Open: Monday – Friday: 8:00 AM – 6:00 PM | Saturday – Sunday: Closed

Magic City Insurance Group, LLC is an independent insurance agency located in Fairhope, Alabama. The company provides a wide range of personal and commercial insurance solutions—including life, home, auto, business, and recreational vehicle coverage—across Alabama, Mississippi, Tennessee, and Texas.

Find the location and other details of Magic City Insurance Group, LLC in Fairhope City on Google Maps.

7. Globe Life Liberty National Division: The Lambeth Agencies

• Agent Type: Captive Insurance Agency
• Specialties: Individual and family life insurance, worksite voluntary benefits, and supplemental health risk protection
• Services Offered: Life Insurance: Whole Life and Term Life Insurance, Supplemental Health Insurance: Cancer Coverage, Critical Illness, Dread Disease, Hospital Intensive Care, and Hospital Accident Policies, Worksite & Group Insurance: Employee voluntary benefit packages for small to mid-sized businesses, Special Death Policies: Accidental Death Policy (ADP)
• Quotes: Free Quotes Available
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 4.8 ★ (100+ Reviews as of 2026 )
• Address: 106 N Greeno Rd, Fairhope, AL 36532, United States
• Phone: +18664002395
• Fax: N/A
• Email: N/A
• Website: Visit Globe Life Liberty National Division: The Lambeth Agencies Official Site
• Office Hours: Open: Monday – Friday: 8:00 AM – 5:00 PM | Saturday – Sunday: Closed

Globe Life Liberty National Division: The Lambeth Agencies is a dedicated insurance agency located in Fairhope, Alabama. The company primarily provides individual, family, and workplace-sponsored life insurance as well as supplemental health policies, including cancer and accident coverage.

Find the location and other details of Globe Life Liberty National Division: The Lambeth Agencies in Fairhope City on Google Maps.

8. Eastern Shore Insurance Agency

• Agent Type: Independent Insurance Agency
• Specialties: Personal and commercial insurance policies, tailored asset protection, and custom coverage plans for local individuals, families, and businesses
• Services Offered: Personal Lines: Homeowners, Renters, Personal Auto, Boat/Watercraft, RV, and Motorcycle Insurance, Commercial Lines: Commercial Auto, Business Property, and General Liability Protection
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 5.0 ★ (10+ Reviews as of 2026 )
• Address: 21036 State Hwy 181, Fairhope, AL 36532, United States
• Phone: +12519286256
• Fax: N/A
• Email: [email protected]
• Website: Visit Eastern Shore Insurance Agency Inc Official Site
• Office Hours: Open: Monday – Friday: 9:00 AM – 5:00 PM | Saturday – Sunday: Closed

Eastern Shore Insurance Agency Inc. is a family-owned independent insurance agency founded in 2003 and located in Fairhope, Alabama. The agency provides tailored personal and commercial insurance solutions—including coverage for auto, home, boat, RV, and local businesses—for clients in the region.

Find the location and other details of Eastern Shore Insurance Agency Inc in Fairhope City on Google Maps.

9. Steadfast Insurance

• Agent Type: Independent Insurance Agency
• Specialties: Coastal property protection (wind/water damage), customized personal risk management, and commercial liability/property coverage tailored for Gulf Coast residents and businesses
• Services Offered: Personal Lines: Homeowners/Property Insurance, Auto Insurance, Commercial Lines: General Liability, Commercial Property, and Employee Operations Coverage, Specialty Coverage: Event Insurance (for weddings, festivals, and local community gatherings)
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 5.0 ★ (30+ Reviews as of 2026 )
• Address: 9959 Windmill Rd, Fairhope, AL 36532, United States
• Phone: +12512024207
• Fax: N/A
• Email: [email protected]
• Website: Visit Steadfast Insurance LLC Official Site
• Office Hours: Open: Monday – Friday: 8:00 AM – 5:00 PM | Saturday – Sunday: Closed

Steadfast Insurance LLC is an independent insurance agency based in Fairhope, Alabama. The agency provides customized personal and commercial coverage—including homeowners, auto, business, and event insurance—tailored for individuals, families, and business owners across the Gulf Coast region.

Find the location and other details of Steadfast Insurance LLC in Fairhope City on Google Maps.

10. Pitman Insurance

• Agent Type: Independent Insurance Agency
• Specialties: Commercial liability, business property coverage, contractor bonding, and tailored personal asset protection
• Services Offered: Commercial Lines: Commercial Property, General Liability, Commercial Auto, Workers’ Compensation, and Contractor Bonds, Personal Lines: Homeowners Insurance, Personal Auto, Health, Life, and Individual Risk Coverage
• Accepted Payments: Credit Cards, Debit Cards
• Languages Spoken: English
• Accessibility: Wheelchair-Accessible Entrance and Parking
• Google Rating: 5.0 ★ (10+ Reviews as of 2026 )
• Address: 402 Bellangee Ave, Fairhope, AL 36532, United States
• Phone: +12519289786
• Fax: 251-928-4406
• Email: N/A
• Website: Visit Pitman Insurance Agency Official Site
• Office Hours: Open: Monday – Friday: 8:00 AM – 4:30 PM | Saturday – Sunday: Closed

Pitman Insurance Agency is an independent insurance agency based in Fairhope, Alabama. The agency offers comprehensive personal and commercial coverage—including life, health, home, auto, and business insurance—tailored to meet the needs of local clients.

Find the location and other details of Pitman Insurance Agency in Fairhope City on Google Maps.

What are the risks in Fairhope, AL that affect insurance?

Fairhope is a beautiful coastal and historic city. Due to its geographic location and weather, Fairhope has many unique risks that affect your insurance premiums and terms.

1. Hurricanes & Tropical Storms

The city of Fairhope is located right next to Mobile Bay and the Gulf of Mexico.

• Impact: Due to the risk of hurricane-force winds, insurance companies impose a “Named Storm” or “Wind/Hail Deductible” on regular insurance for homes in Fairhope. While there is a $1,000 deductible in a typical case, it can range from 2% to 5% of the property value in a severe storm (e.g., a $300,000 home could cost you $6,000 to $15,000 out of pocket).

2. Storm Surge & Flash Flooding

Storm surge and heavy rains caused temporary flooding in low-lying areas and sloping areas along the coast of Mobile Bay in Fairhope.

• Impact: Flood or landslide damage is not covered by any standard homeowners insurance for low-lying areas in Fairhope. Depending on the location of your property in Fairhope, you may need to purchase a separate policy through the NFIP (National Flood Insurance Program) or private flood insurance, which may incur additional costs.

3. Dense Tree Canopy Risk

One of the attractions of Fairhope is its dense green forests and pine and giant oak trees.

• Impact: During straight-line winds or storms, large trees can fall on homes or power lines in the Fairhope area. Older or long-standing trees can be problematic for insurance coverage or claims. You should be aware of whether your insurance covers liability and tree removal costs for property damage caused by trees.

4. “Dixie Alley” and the Tornado Propensity (Tornadoes in Dixie Alley)

South Alabama is part of the United States’ severe tornado-prone area, or “Dixie Alley.”

• Impact: Sudden tornadoes or heavy hailstorms during spring (March-May) and autumn can cause major damage to your roof or structure. As a result, insurance premiums for properties with roofs that are more than 10-15 years old increase by 25-50% or insurance companies or agencies refuse to provide policies.

5. Humidity & Mold/Mildew

Due to coastal humidity, mold or fungus spreads rapidly on properties in the Fairhope area.

• Impact: If water intrusion due to a storm is not quickly drained, mold can build up and cause extensive damage to your property. Most standard insurance companies in Fairhope include a specific sub-limit or condition in their coverage for mold or mildew.

6. Rising Replacement Cost of Construction Materials and Old Properties

Fairhope has many historic or older homes that have architectural styles that are not typical of typical homes.

• Impact: In the event of a major disaster in the coastal area, there is a shortage of masonry and construction materials for these older homes (Inflation/Supply Chain Issue). If the Replacement Cost Value (RCV) is not included in the policy to cover the cost of rebuilding Fairhope’s high-end homes, the owners of these homes will suffer due to the fluctuation in market value.

Solutions to reduce premiums:

If you want to reduce your home premiums in Fairhope, consider installing a FORTIFIED Home™ Certified roof or rain-proof windows/storm shutters from the Alabama government. This will give you a significant discount on your windstorm deductible and annual premium.

Tips for Choosing the Right Insurance Policy

When you purchase an insurance policy for yourself in the Fairhope area, keep the following things in mind.

• You should check quotes from at least 3 agencies before taking out a policy.
• Don’t just look at the premium, compare what coverage is offered for the Fairhope area.
• Check if insurance agencies in the Fairhope area offer bundle discounts.
• In the Fairhope area, you choose by understanding the deductible.
• You should review the policy at least once a year.
• Before you take out a policy, you should speak to a Local Independent Agent in the Fairhope area.

FAQs: About Fairhope Insurance

Why is there a separate ‘Wind/Hail Deductible’ when purchasing Homeowners Insurance in Fairhope?

Answer: Fairhope is located near the Gulf Coast. As a result, Fairhope residents are at risk of hurricanes, severe tropical storms, and hail every year. Therefore, Alabama homeowners insurance policies have a separate deductible for wind and hail, in addition to the general damage deductible. This deductible is often 1% to 5% of the total home value, rather than a fixed amount (such as $1,000).

For example: If your home is insured for $300,000 and the wind deductible is 2%, you will have to pay the first $6,000 out of pocket if there is storm damage.

Does standard home insurance cover flood damage in Fairhope?

Answer: No. Standard home insurance policies in Alabama and the rest of the United States do not cover flood damage. Fairhope is located right next to Mobile Bay. Therefore, you should consider purchasing separate NFIP (National Flood Insurance Program) or private flood insurance to protect yourself from the risk of excessive rainfall or storm surge.

How can Fairhope residents get the ‘FORTIFIED Roof’ discount to reduce premiums?

Answer: Under Alabama state law, insurance companies are required to give you a significant discount on your wind premium if you build or re-roof your roof with a disaster-resistant “FORTIFIED Home™” policy. You can significantly reduce your annual insurance costs by obtaining this certification when you replace your roof.

Why might the cost of auto insurance be relatively high in coastal Fairhope?

Answer: Car insurance costs are relatively high in Fairhope due to the risk of coastal natural disasters (Flood & Storm Surge) and tropical weather. If you want to cover things like trees falling on your car while parked in a storm in Fairhope or water rising and damaging your car, then you must have Liability Coverage and Comprehensive Coverage.

What type of insurance should I get if I operate a business in Fairhope City?

Answer: The best policy for local businesses and small entrepreneurs in Fairhope is the BOP (Business Owner’s Policy). It covers both property insurance and general liability for the business. Since Fairhope is a coastal area, separate Windstorm and Flood and Coastal Liability coverage is also required for commercial buildings.

How important is the role of local agents (Captive/Independent) in Fairhope for new residents?

Answer: Insurance laws and risks on the Alabama Coast, including Fairhope, are complex. A local agent (such as State Farm, Allstate, or a local independent broker) can provide the most effective advice on choosing the right coverage because they are familiar with Baldwin County’s specific zoning, real estate building codes, and customized pricing plans (Personal Price Plan®).

References: Alabama Department of Insurance (ALDOI) and local insurance guide (Baldwin County Coastal Coverage Policies).

Read Another Blog Post: Top 10 Best Insurance Agency List in Daphne, AL (2026 Coastal Coverage Guide)

I hope, you can know about Best Insurance Agencies in Fairhope AL .

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Did this guide help you find the right insurance agency in Fairhope , AL? If you have any questions or experience with any of these agencies, feel free to leave a comment below!

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⚠️ Disclaimer: This article is published for general informational and educational purposes only. It should not be considered insurance, financial, legal, or tax advice. Insurance policies, coverage, premiums, eligibility requirements, and other related information may change over time. Before making any insurance-related decision, please verify the latest information with the relevant insurance company, a licensed insurance agent, or an official source. For more details, please read our Disclaimer page.

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