alabamahomeauto.com

What alabamahomeauto.com does

Alabama Home and Auto is an independent insurance agency headquartered in Alabama that operates as a broker, sourcing personal lines coverage from a panel of more than fifteen insurance carriers including both traditional providers and insurtech firms such as Lemonade, Hippo, and Clearcover. The agency sells home, auto, renters, landlord, and umbrella policies to Alabama households, with the website's "Start Quote" call-to-action routing prospective customers to an external third-party platform (apply.insure) rather than to an in-house quoting engine.

The business is operated by a five-person team led by a COO (Steve Kohlbrenner), a Director of Growth Operations (Hayley Ondrus), a Lead Licensed Insurance Agent (Austin Lucas), a second Licensed Insurance Agent (Kyle Hulmes), and an Operations Associate (Veronica Hatton). The agency holds no proprietary technology of its own; customer acquisition and policy binding are delegated to the external apply.insure platform, while the in-house team focuses on agent-assisted selling, carrier panel management, and back-office operations.

The agency earns revenue through standard insurance commissions paid by its carrier partners on placed policies, with no disclosed pricing model, subscription, fee, or premium finance component. Go-to-market is a hybrid of digital entry (external quote platform) and agent-led conversion, supplemented by a visible set of customer testimonials emphasizing premium savings across multiple carriers. There are no disclosed funding rounds, parent company, or institutional investors; the entity is privately held and operates as a small, locally-focused brokerage.

Name

alabamahomeauto.com

Legal name

Alabama Home and Auto

Website

https://alabamahomeauto.com

Company type

Private

Operating status

Operating

Short description

Alabama Home and Auto is an independent personal-lines insurance agency in Alabama that brokers home, auto, renters, landlord, and umbrella coverage from a panel of fifteen-plus carriers for Alabama households.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

akta.pro industry

PRIMARYFSAJAMAA

Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Motor Vehicle Liability Insurance

SECONDARYFSAJANAK

Auto Liability Umbrella / Excess

Financial & Insurance/Insurance — Motor, Property & Casualty/Umbrella Insurance

Keywords

• Independent insurance agency
• Home insurance
• Auto insurance
• Renters insurance
• Umbrella insurance

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commissions: As an independent insurance agency/broker, Alabama Home and Auto earns commissions from insurance carriers (Nationwide, MetLife, Liberty Mutual, Hanover, Travelers, National General, Progressive, Allstate, Hippo, Clearcover, Encompass, Lemonade) for policies placed. Revenue is generated through commissions on home, auto, renters, landlord, and umbrella insurance policies sold to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Alabama Home and Auto is an independent insurance agency that places home, auto, renters, landlord, and umbrella insurance policies on behalf of consumers by sourcing from a curated network of 15+ top-rated national carriers. Licensed agents research and compare coverage options and pricing across carriers to recommend policies tailored to each client's needs, with bundling discounts available for combined home and auto coverage. Revenue is earned via carrier commissions on policies placed.

Product overview

Alabama Home and Auto operates as an independent insurance agency offering a curated selection of coverage options through a network of over 15 top-rated insurance carriers. The company provides five core insurance products—Home, Auto, Renters, Landlord, and Umbrella insurance—that can be bundled for additional savings. The business model centers on sourcing quotes from multiple national carriers and helping homeowners select coverage based on their specific needs, rather than being limited to a single carrier's offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Homeowners insurance coverage provided through a network of 15+ national carriers (Nationwide, MetLife, Liberty Mutual, Hanover, Travelers, National General, Progressive, Allstate, Hippo, Clearcover, Encompass, Lemonade), allowing homeowners to compare options based on quality and value.
• Auto Insurance Vehicle insurance coverage offered through the agency's carrier network, with bundling discounts available when combined with home insurance.
• Renters Insurance Insurance coverage for tenants to protect personal belongings and liability, sourced from the agency's carrier network.
• Landlord Insurance Property insurance coverage for landlords protecting rental properties and related liability exposures, sourced from the agency's carrier network.
• Umbrella Insurance Excess liability coverage providing additional protection beyond the limits of standard home and auto insurance policies.

Quantifiable outcome

• Customers save $309 to $4,546+ annually through bundling and multi-carrier comparison
• +2 more outcomes

Named customers17 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core.

• NationwidecoreChannel Partner/ Reseller/ DistributorPrimary insurance carrier partner. Primary: 1.800.282.1446, After Hours: 1.877.669.6877. Claims handled through nationwide.com. One of the 12+ carriers offered to customers for home, auto, and other insurance products.
• MetLifecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary: 1.800.854.6011, After Hours: 1.800.638.5433. Claims processed through metlife.com. Part of carrier network offering insurance options to customers.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary: 1.800.225.2467, After Hours: 1.800.290.7933. Claims center at libertymutual.com. One of the national carriers providing insurance products through the agency.
• HanovercoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary: 1.800.799.6977, After Hours: 1.800.922.8427. Claims handled through hanover.com. Member of the carrier network offering coverage options.
• TravelerscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary: 1.800.252.4633, After Hours: 1.800.842.5075. Claims through travelers.com. National carrier in the agency's partner network.
• National GeneralcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary: 1.800.468.3466, After Hours: 1.800.462.2123. Claims at claims.nationalgeneral.com. Part of carrier network offering home and auto insurance options.
• ProgressivecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary: 1.800.274.4499, After Hours: 1.800.776.4737. Claims through progressive.com. Major national carrier in the agency's insurance network.
• AllstatecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary & After Hours: 1.800.255.7828. Claims at allstate.com. National carrier offering insurance through the agency.
• HippocoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary: 855.999.9746, After Hours: 1.800.845.6466. Claims at hippo.com/claim. Modern insurance carrier in the partner network.
• ClearcovercoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary & After Hours: 855.444.1875. Claims at clearcover.com/claims. Digital-forward insurance carrier in the network.
• EncompasscoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary & After Hours: 1.800.588.7400. Claims at encompassinsurance.com. Part of the carrier network offering insurance products.
• LemonadecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner. Primary & After Hours: 1.844.733.8666. Claims at lemonade.com/claims. Insurtech carrier in the partner network.

Scale indicators4 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Progressive: Progressive is a major direct-to-consumer auto and home insurance carrier and a partner of Alabama Home and Auto. It competes with the agency through its direct channel while also providing the agency with its most popular auto products.
• Allstate: Allstate is a large national insurance carrier with both direct and captive agent distribution, and a partner of Alabama Home and Auto. It is comparable as both a source of policies for the agency and a competitor for the same customer base in the Alabama market.

Direct peers

• Policygenius: Policygenius is an online insurance marketplace that compares policies across multiple carriers for life, home, auto, and disability insurance. It is a direct comparable in the insurance shopping and brokerage category.
• CoverHound: CoverHound is an online insurance marketplace that provides comparative home and auto insurance quotes from multiple carriers. It competes with Alabama Home and Auto for the same multi-carrier comparison shopping customer.
• SelectQuote: SelectQuote is a direct-to-consumer insurance agency that compares policies across multiple carriers for life, auto, and home insurance. It mirrors Alabama Home and Auto's core shopper model at a much larger scale.
• SmartFinancial: SmartFinancial is an independent insurance agency that distributes personal and commercial lines across multiple carriers, similar to Alabama Home and Auto's multi-carrier brokerage model. It is a direct comparable in the shop-the-market insurance agency category.
• The Zebra: The Zebra is an insurance comparison marketplace that aggregates quotes from multiple carriers for home and auto insurance. It is a digital-native equivalent of the multi-carrier shop that Alabama Home and Auto performs manually.

Emerging players

• EverQuote: EverQuote operates an online insurance marketplace that connects consumers with multiple carriers and local agents. It is comparable to Alabama Home and Auto through its role as an intermediary in the home and auto insurance shopping process.
• Hippo Insurance: Hippo is a digitally-native homeowners insurance carrier and partner of Alabama Home and Auto. It represents a comparable modern home insurance offering but bypasses traditional agents, making it both a partner and a competitor.
• Lemonade: Lemonade is a digital insurance carrier that offers home, renters, and auto insurance directly to consumers. It is both a carrier partner and a competing distribution channel for Alabama Home and Auto's customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 alabamahomeauto.com