Recently get a ticket? Learn how to minimize penalties.

Visit our Farmers Page

Hours of Operation

Monday through Friday

8:00 AM to 5:00 PM.

 

We are also open on Saturdays by appointment only. 

 

For more info on holiday hours, please give us a call. 

How to find or get in touch with us:

Malone Insurance Agency
104 Professional Park Dr
Fairhope, AL 36532


Phone: 251.990.4000

Fax: 251.928.0806

Email: Send us an email

Worried about price?
Malone Insurance Agency will shop your quote through several reputable insurance providers. This means you get the best deal for your particular situation. 

 

What about discounts?

Farmers offers several discounts you can take advantage of, such as our good student discount and our multi-line discounts. 

 

Insurance Services

Malone Insurance Agency offers a diverse range of insurance and financial service options for your life. Whether your needs are commercial or private, home or auto, ATV or car, or anything else, we have the options and plans that are right for you. 

 

To find a certain line of business, scroll down or click the link on the top left of the page. 

 

To get more information about a line of business, we encourage you to speak with one of our agents. 

Farmer's Premier Whole Life

What is Life insurance?

At Farmers®, we know it's difficult to imagine a time when you won't be there to help provide for your family. That's why Farmers has developed a suite of Life insurance products* designed to help answer your Life Insurance requirements, at any stage of life. Whether you're a new family, empty nester, business owner, or single parent, Farmers has a Life insurance option to suit your needs and budget. For a personalized assessment of your Life insurance coverage needs, including customized Term Life insurance quotes, contact a Farmers agent.

Protecting Your Family:
By preparing in advance, you'll have the peace of mind that comes from knowing you're protecting your family's financial future. And since Life insurance benefits are generally not taxable at the federal level**, your loved ones can use the benefits to help take care of their living expenses in a variety of ways.

  • Any needs after the time of death, such as final illness expenses, burial costs and estate taxes.
  • Funds for a readjustment period, to finance a move, or to provide time for family members to find a job.
  • Ongoing financial needs, such as monthly bills and expenses, daycare costs, college tuition or retirement.

Safeguarding Your Business
If you're a business owner or have business partners, it's important to prepare for the unexpected. Farmers offers several Life insurance products that are designed to help you, as a business owner, to make it possible for your heirs to help pay estate taxes and help sustain the business during a change in management, or to help provide funds in order to execute a buy-sell agreement between partners or stockholders.**

Contact a Farmers agent to learn more about how Life insurance can benefit you and your loved ones or beneficiaries.

Products and features may not be available in all states and may vary by state.
*Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040
**This document is for informational purposes only.  You should consult your attorney, accountant, or tax advisor for legal or tax advice.

FNWL020026

Farmer's Auto: America's First Choice

What is Auto Insurance?

Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss. It covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of repairing or replacing your vehicle if it is damaged or stolen.

What if I don't have car insurance?

In most states, you're required to carry a minimum amount of liability insurance (or post a bond) and also provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without car insurance, you may have to pay a large fine, have your driver's license suspended, and/or have your car impounded. Contact your local Farmers agent to find out what the specific requirements are in your state for car insurance quotes.

How much Auto insurance coverage should I purchase?

The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocket. You may want to speak with an agent to discuss the best auto insurance coverage for your needs and budget.

How can I keep my auto premiums down?

Generally, the longer you drive without major citations or accidents, the lower your premium will be. You may also qualify for discounts based on safety features on your vehicle. Farmers also offers an Annual Policy which keeps your rates stable for the entire year. We calculate your insurance costs for the year, and you don't have to worry about changes for a whole 12 months. Furthermore, with the FarmersFlex Program you can lock in your base rates, and qualify for accident forgiveness for up to 3 years. Also, if you insure additional cars or your home with Farmers you can save on all your premiums. For further information, contact your Farmers agent.

Why should I insure my car with Farmers?

With Farmers, you get a local professional agent, who can offer you insurance coverage to meet your auto, home, life and small business insurance needs, simplifying your life and enabling you to save with multi-line discounts. Your Farmers agent can talk to you about which discounts you may be eligible for. Farmers is committed to serving the needs of its customers, with unparalleled customer and claims service.

Farmer's Home Insurance

 

Only you know what matters to you most. And Farmers® specializes in providing renter, condominium, and Home insurance policies to allow you to choose the coverage you want. Browse our homeowners insurance section to learn more about how Farmers can help protect everything you've worked so hard to achieve.

 

Something else to consider: if someone is injured, they may sue you for injuries and damages they sustain which may be well beyond $1,000,000. Without insurance, you may have to liquidate your assets and even lose a portion of your wages if you need to pay for a judgment.

Why should I consider homeowners, condominium, or renter insurance?

Insurance can help you with your peace of mind, knowing that in the event of a covered loss, your damaged home can be rebuilt and your destroyed belongings can be replaced. Types of coverages include:*

  • Dwellings and other structures
    For most of us, our home is the single largest investment we will make. Homeowners insurance provides coverage for damage to your home and other structures on your property such as a shed or detached garage. For townhouse owners, your townhouse and separate structures are covered for many types of damage except for some exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.
  • Dwelling Improvements, Alterations, and Additions
    Condominium owners are covered for accidental damage to improvements you make in your unit for which your association's policy does not provide coverage, subject to your condo insurance policy limits.
  • Loss assessment
    Condominium owners will also receive up to $1,500 for assessments arising from covered damage. This can be used to pay for your share of property damage or injury awards for which your association's policy does not provide coverage. Typically, up to $50,000 is available, but this may vary depending on your policy.
  • Personal Property
    Homeowners, condominium, or renters insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot, but those items all add up when you have to replace them.
  • Personal Liability
    Finally, in the event someone is injured or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner, condominium or renter policy provides liability coverage* should this ever occur, subject to some exclusions.

*Only up to the limits of the insurance coverages purchased.

What if I don't have insurance?

Without insurance, you'll be responsible for protecting your property, possessions and liability exposure.

For instance, if your house burns down or is destroyed by a tornado, you'll need to rebuild your home and replace all your damaged possessions with only the funds you have or can obtain. Do you usually have $500,000 readily available in case something like this happens? If so, could you be putting that money to better use instead of having it sit there just in case something happens?

Source: Farmers.com

Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs. You can count on getting customized small business insurance quotes designed specifically for your business from your local Farmers Insurance agent.


You’ve achieved your dream of owning a business. But as you know, the boundless opportunities of business ownership come with plenty of risks.


You want to have the confidence that the business you've built has insurance coverage from a company that understands your business insurance needs. In other words, you want Farmers Business Insurance.


Farmers can help you manage your risks so you can focus on keeping your business on the road to long-term success. Ask our experienced agents about customized insurance solutions that you can tailor to fit your insurance and business needs.

Motorcycle Insurance

Motorcycle Insurance Overview

It's about the open road, leather and chrome, bugs in your teeth. When you're out riding, the last thing you want to worry about is whether you have the right insurance policy.

Choose the motorcycle insurance that gives you real peace of mind while you ride. Farmers offers motorcycle insurance and other types of specialty insurance coverage. Our specialized motorcycle policy provides outstanding standard and optional coverage, including coverage for accessories, safety-related gear and much more. We accept a wide variety of motorcycles, including:

  • Cruisers
  • Touring bikes
  • Sport cycles
  • Trike conversions
  • Custom cycles
  • Classic bikes
  • Scooters
  • Mopeds
  • And more!

Recreational and Specialty Insurance

Recreational Overview:


Farmers is an industry leader in

Specialty insurance products. Ask your Farmers agent about insuring your BoatPersonal WatercraftOff-Road VehicleRVsTravel Trailers or 5th Wheel.

 

Contact your Farmers agent for more information about all of our recreational insurance coverage options.

The Renters Package Policy

At Farmers we realize that your belongings are just as important as a homeowner's belongings. Our renters policy provides coverage for your household contents and personal belongings.

Furthermore, in the event someone is injured at your place, you could be held legally liable for the injury. Our renters policy provides personal liability coverage should this ever occur.

As a Farmers customer you have access to HelpPoint, a unique claims service that has been recognized by JD Power three years in a row for providing an "outstanding customer service experience." You can call HelpPoint® for immediate assistance, 24/7, free of charge.

Best of all, you get a Farmers agent who can answer your questions about the policy and its coverages, discounts you may qualify for and deductibles you may choose. Most importantly, your Farmers agent can help you choose the coverage you want with flexible payment terms you can live with.

Standard Coverage:

Your Possessions

  • You choose the amount of coverage based on the property you own.
  • Personal property is covered anywhere in the world.
  • Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).

Liability

  • Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
  • Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

  • Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

  • Covers additional living expenses if a covered loss makes your living quarters uninhabitable.
  • Coverage is based on a percentage of the amount of insurance you choose for your personal property.

Optional Coverage:

Scheduled Personal Property
Scheduled and unscheduled coverage of important valuables is available.

Replacement Cost
Contents replacement cost is available to pay for the cost of repairing or replacing lost or damaged items without deducting for their depreciation.

Identity ShieldSM
State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

Your form message has been successfully sent.

You have entered the following data:

Email us with questions or comments about our services

Please correct your input in the following fields:
Error while sending the form. Please try again later.

Note: Fields marked with * are required

Print Print | Sitemap
© Malone Insurance Agency