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About Us

At The Horn Agency, our priority is helping our customers find the best coverage – whether it’s home insurance, auto, life, or more – in order to protect what matters most in life. As an Independent agency, we work with a wide variety of top carriers to help you find the best coverage to suit your exact situation.

With years of experience serving homeowners in Mobile, Alabama, The Horn Agency understands the unique risks and challenges that come with protecting property along the Gulf Coast. From hurricane preparedness to local building codes and coverage requirements, our team has the local knowledge and expertise to tailor home insurance policies that truly fit the needs of Mobile residents. Whether you’re buying your first home or reassessing your current coverage, you can trust The Horn Agency to provide reliable guidance and personalized protection every step of the way.

No matter your insurance needs, we can help you find the perfect policy to give you peace of mind without breaking the bank. Contact us for a quote today!

An Independent Advantage

We are Independent Agents in Mobile, Alabama, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. The Horn Agency represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.

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Customer Reviews

I shopped around and found The Horn Agency to be the best and reasonably priced.
—Angie C
AC
Called and spoke with Ainsley who did an excellent job
—Deb
D
Amazing customer service and transparent communication!
—Holly J
HJ