E-Z Insurance

What E-Z Insurance does

E-Z Insurance Agency, LLC is a privately held, family-owned independent insurance agency headquartered at 7875 Moffett Rd. Suite B., Semmes, Alabama, operating across Alabama and Mississippi. The agency places personal and small-commercial lines — auto, homeowners, mobile home, motorcycle/ATV, RV, boat/watercraft, life, bonds, flood, condo, beach home, builders' risk, rental dwelling, vacant buildings, personal articles, cargo trailer, tiny home, and specialty/antique vehicles — by acting as an intermediary between customers and a panel of appointed carriers including National General, Foremost, Safeway, Dairyland, National Security, Safeco, Progressive, and Acceptance Insurance. Revenue is generated through carrier commissions on premiums placed, on a quote-based, pay-as-you-go billing model with no publicly disclosed pricing tiers.

The agency's technology stack is built on the Insurance Website Builder (ITC) platform, which powers the public-facing site, quote forms for each line, and customer service portals (ID cards, declarations, policy changes). Third-party integrations include RateForce (instant auto quote-and-buy), Swyfft (instant home quote-and-buy), Xpress-Pay (online premium payment with ACH and card processing), and Google Analytics for traffic measurement. Distribution is multi-channel: in-person office visits, phone-based sales at 251-645-RATE, online quote submissions, and inbound referrals from carrier landing pages (Dairyland Plus Agent, Acceptance Insurance portal). Marketing relies on organic social (Facebook, Twitter/X, Instagram) and the website's content/quote funnels.

The business operates with a small team — approximately three named staff including a Personal Lines Agent/Office Manager (Haley Cochran), an Executive Administrative Assistant, and a general office contact — and shows no signs of external institutional investment, M&A activity, or geographic expansion beyond its current two-state footprint. The operating model is characteristic of a lifestyle independent agency: broad product breadth, multi-carrier access as the primary differentiator, and self-service digital layers bolted on top of an agent-mediated sales motion.

Name

E-Z Insurance

Legal name

E-Z Insurance Agency, LLC

Website

https://ezinsurancellc.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

E-Z Insurance Agency, LLC is a family-owned independent insurance agency in Semmes, Alabama that places personal, specialty-vehicle, and small-commercial insurance across Alabama and Mississippi by brokering policies through multiple appointed carriers and earning commissions on premiums.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Independent insurance agency
• Auto insurance
• Homeowners insurance
• Specialty vehicle insurance
• Insurance brokerage

Headquarters

HQ city

Semmes

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Commissions: As an independent insurance agency, E-Z Insurance earns commissions from insurance carriers for policies placed. They represent multiple insurance companies and receive a percentage of premiums as compensation for placing and servicing policies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

E-Z Insurance Agency, LLC is a family-owned independent insurance agency that places personal and commercial insurance policies on behalf of consumers through multiple carrier partnerships. The agency offers home, auto, motorcycle, ATV, RV, boat/watercraft, life, flood, mobile home, condo, beach home, builders' risk, rental dwelling, vacant property, tiny home, specialty/collectible auto, personal articles, cargo trailer, jet ski, camper, and bond insurance, earning commissions from carriers for policies placed and serviced.

Product overview

E-Z Insurance Agency, LLC is an independent insurance agency offering a comprehensive portfolio of insurance products across Alabama and Mississippi. The company operates as a family-owned business with multiple insurance markets to serve diverse customer needs. The product portfolio includes core personal insurance lines (auto, homeowners, motorcycle, RV, boat, life insurance) alongside specialty products (mobile home, condo, beach home, flood, tiny home, vacant property, builders' risk, bonds, personal articles). Online services are integrated through external partner platforms: RateForce for instant auto quotes and purchases, and Xpress-Pay for online payments. Customer self-service options include policy declarations, ID card requests, and policy changes across auto, motorcycle, and recreational vehicle lines. The company represents multiple carrier partners including National General, Foremost, Dairyland, Progressive, Safeco, and others.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance providing property coverage for damage or theft, liability coverage for bodily injury or property damage to others, and medical coverage for treatment costs, rehabilitation, and lost wages. Designed for individual vehicle owners seeking state-compliant personal auto coverage.
• Homeowners Insurance Package policy covering home damage and liability for injuries and property damage caused by family members or household pets. Excludes floods, earthquakes, and maintenance-related issues. Targeted at owners of primary residences.
• Mobile Home Insurance Insurance coverage tailored for manufactured and mobile homes, addressing risks specific to factory-built residential structures.
• Motorcycle/ATV Insurance Specialized vehicle insurance covering accidents, theft, medical costs, and liability for motorcycles and ATVs. Includes discounts for safety training, multiple policies, garage storage, and motorcycle association membership.
• Recreational Vehicle (RV) Insurance Insurance covering liability, property damage, vandalism, theft, and collision for RVs, boats, and snowmobiles. May include reimbursement for personal effects and coverage for awnings and custom equipment.
• Boat/Watercraft Insurance Coverage for boats, personal watercraft (PWC), and yachts. Covers bodily injury, property damage, guest passenger liability, medical payments, and theft. Liability limits start at $15,000 and can increase to $300,000.
• Life Insurance Includes term insurance for temporary needs with coverage for specific periods, and permanent insurance providing lifelong protection with cash value accumulation. Targeted at individuals seeking life insurance for income replacement, debt coverage, or estate planning.
• Specialty Automobile Insurance Insurance for collectible and antique cars with agreed value coverage. Features specialty adjusters, total replacement value consideration, and policies accounting for lower mileage and missing standard safety measures.
• Bond Insurance Surety bonds guaranteeing scheduled payments of interest and principal on bonds if issuer defaults. Types include contract performance bonds, bid bonds, maintenance bonds, payment bonds, supply bonds, and license and permit bonds. Targeted at small businesses and contractors with bonding requirements.
• Flood Insurance Separate policy coverage for flood damage, as standard homeowners policies exclude flood-related losses. Targeted at property owners in flood-prone areas.
• Condo Insurance Insurance coverage tailored for condominium owners, addressing unit-level risks distinct from the master HOA policy.
• Beach Home Insurance Specialized insurance for coastal and vacation beach homes, addressing risks unique to shoreline properties.
• Builders' Risk Insurance Coverage for buildings under construction, protecting against damage during the construction phase. Targeted at property owners and contractors.
• Rental Dwelling Insurance Insurance for rental properties and dwellings, addressing landlord-specific liability and property exposures.
• Vacant Building/Dwelling Insurance Insurance coverage for vacant buildings and dwellings, addressing risks unique to unoccupied properties.
• Personal Articles Insurance Coverage for personal valuable items and articles such as jewelry, collectibles, and other high-value personal property.
• Cargo Trailer Insurance Insurance coverage for cargo trailers, addressing liability and physical damage exposures during transport and storage.
• Tiny Home Insurance Insurance coverage tailored for tiny homes, addressing risks unique to small-scale alternative residential structures.
• Jet Ski Insurance Insurance coverage for personal watercraft such as jet skis, addressing liability and physical damage on the water.
• Camper Insurance Insurance coverage for campers, addressing liability and physical damage for towable recreational camping units.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature1 record

Partnerships

Eight partnerships are on record, tiered core and minor.

• National GeneralcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options for auto, home, and other personal lines insurance products.
• ForemostcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering home, mobile home, and specialty insurance products.
• SafewaycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner featured on the E-Z Insurance website as a provider of insurance products.
• Dairyland InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner with a dedicated landing page listing E-Z Insurance as a Plus Agent. Provides motorcycle, ATV, and other specialty vehicle coverage.
• National SecuritycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner featured on the E-Z Insurance website for coverage options.
• SafecocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto and home insurance products through the independent agency.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing auto and personal vehicle coverage options.
• Acceptance InsuranceminorChannel Partner/ Reseller/ DistributorInsurance carrier with a portal listing E-Z Insurance Agency as an agent partner for quote and coverage services.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Hub International: Major independent insurance brokerage with multi-carrier access across personal and commercial lines; competes for the same end customers as E-Z Insurance through local agency offices and broad carrier representation.
• GEICO: Major direct-to-consumer personal lines insurer; competes for the same auto and home customers as E-Z Insurance but bypasses the independent agent intermediary model that E-Z Insurance's revenue depends on.
• Brown & Brown, Inc. Large national independent insurance brokerage providing multi-line placement through carrier relationships; operates the same independent-agency model as E-Z Insurance at vastly larger scale and broader geographic reach.
• State Farm: Largest U.S. personal lines insurer with captive agent distribution; competes head-to-head with E-Z Insurance for auto, home, and life insurance customers in Alabama and Mississippi despite a single-carrier (vs. multi-carrier) model.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with multi-carrier placement capabilities; competes indirectly with E-Z Insurance through retail brokerage operations and broader product portfolio.
• Progressive: Major personal lines insurer with both direct and independent-agent distribution; competes as a direct insurer while simultaneously serving as a carrier partner to E-Z Insurance — a dual competitor-and-supplier relationship that constrains E-Z's economics.
• Lockton Companies: Largest privately held independent insurance brokerage in the U.S., placing business across multiple carriers; comparable multi-carrier placement model but at much greater scale across personal and commercial lines.

Direct peers

• Brightway Insurance: Independent insurance franchise agency representing multiple carriers across personal and commercial lines; comparable operating model with carrier-shopping positioning similar to E-Z Insurance.
• Goosehead Insurance: Independent insurance agency with multi-carrier access across personal lines; closest business-model analog to E-Z Insurance, operating as a franchise-based independent agency placing business through a broad carrier panel.

Emerging players

• Lemonade: Digital-first insurance carrier using mobile-app distribution for renters, home, and pet insurance; represents an emerging direct-to-consumer model threatening the traditional independent-agency intermediation in standard personal lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ezinsurance_llc
• Facebookfacebook.com/ezinsurancellc
• Instagraminstagram.com/ezinsuranceagency
• LinkedInlinkedin.com/company/e-z-insurance-agency-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about E-Z Insurance