Alton Merchant - Insurance Broker

Alton Merchant - Insurance Broker Home - Auto - Business - Farm - Life
Offering coverage tailored to you! Hayes Rasbury Agency Inc.

Insurance companies pay roof claims in a variety of different ways. The two most common are replacement cost vs a roof s...
08/20/2026

Insurance companies pay roof claims in a variety of different ways. The two most common are replacement cost vs a roof schedule.

Replacement Cost: Pays to replace your roof at today's cost no matter the age (minus your deductible).

Scheduled Roof: Pays a percentage of the repair based on the age of your roof. It is usually based on the depreciated value of your roof.

Having a roof on full replacement cost vs on a schedule can be the difference in thousands of dollars come claim time, and many people don't know what kind of coverage they carry until it is too late!

Want to know where you stand before a storm hits? Reach out for a complimentary policy review today!

(205) 798-8750
www.altonmerchantinsurance.com

See these numbers on your auto policy? 25/50/25That is your liability coverage and in Alabama, these are the state minim...
08/13/2026

See these numbers on your auto policy? 25/50/25

That is your liability coverage and in Alabama, these are the state minimum limits. Here's what that means:

$25,000 - Bodily injury limit per person
$50,000 - Bodily injury limit per accident
$25,000 - Property damage limit

Here's the catch: One serious accident can blow through these limits quickly, leaving you with the remaining expenses.

The good news: bumping the limits up is usually more affordable than you think! Curious about your current liability limits and additional options? Give me a call today!

(205) 798-8750
www.altonmerchantinsurance.com

🚗 New teen driver this school year? Here's two things worth looking at:Shop your auto coverage - Adding a young driver c...
08/04/2026

🚗 New teen driver this school year? Here's two things worth looking at:

Shop your auto coverage - Adding a young driver can move your rate a lot, and it varies between companies. I'll compare carriers to find your best fit.

Consider an umbrella policy - An umbrella policy is an extra layer of liability coverage on top of your auto limits. It is never a bad idea to look into if you have a young driver, especially when the roads are crowded during the school year.

I'd be happy to review your current coverage and find the best fit for you!

(205) 798-8750
www.altonmerchantinsurance.com

Built a business? Let's make sure it's protected.Workers' comp, general liability, commercial property, commercial auto ...
07/30/2026

Built a business? Let's make sure it's protected.

Workers' comp, general liability, commercial property, commercial auto — I cover the essentials that keep your business running. And as an independent broker, I shop multiple carriers to build coverage around your specific operation and budget.

Starting up or growing? Let's review your coverage.

📞 (205) 798-8750
💻 www.altonmerchantinsurance.com

07/15/2026

🌳 A little something I'm always glad to do: review my clients' policies at renewal.
Life changes, and coverage should keep up. As an independent broker, I look across several top carriers to make sure you've still got good coverage at a good rate, not just what auto renewed.

No pitch, no pressure. It's just part of taking care of the people I work with. You have a renewal coming up? Let's take a look.
📞 (205) 798-8750

Still auto-renewing the same policy year after year? Life changes and your coverage should keep up.As an independent bro...
07/09/2026

Still auto-renewing the same policy year after year? Life changes and your coverage should keep up.

As an independent broker, I shop many of the country’s top carriers at renewal to find coverage that fits your situation and your budget. No pressure, no obligation, just a fresh look at what you’re already paying for.

Want me to take a look?
www.altonmerchantinsurance.com
📲(205) 798-8750

Heading to the lake for the holiday? Have fun out there! 🌊Just a friendly reminder: your watercraft often isn't fully co...
07/01/2026

Heading to the lake for the holiday? Have fun out there! 🌊

Just a friendly reminder: your watercraft often isn't fully covered by your home or auto policy. Hit the link below for a quick policy review and we can make sure you and your property are properly protected so you can relax and enjoy the weekend! 🛥️🇺🇸
💻 www.altonmerchantinsurance.com

Buying your first home can be stressful, but I'm here to make it smooth and stress-free. Here are a few quick tips to ke...
06/25/2026

Buying your first home can be stressful, but I'm here to make it smooth and stress-free. Here are a few quick tips to keep in mind along the way.

Questions? Reach out anytime. Whether you're just starting your homebuying journey or want to review your current policies, I'm happy to help!
📞 (205) 798-8750
💻 https://altonmerchantinsurance.com/

Why call a 1-800 number when you can call a neighbor?As an independent insurance broker with the Hayes Rasbury Agency, I...
06/15/2026

Why call a 1-800 number when you can call a neighbor?

As an independent insurance broker with the Hayes Rasbury Agency, I compare multiple companies for you — so you get real choices on your home, auto, business, or farm coverage instead of a one-size-fits-all policy. Local, personal, and on your side.

Check out my new site and request a free quote!
🔗 https://altonmerchantinsurance.com/
📞 (205) 798-8750
📍 5451 Chalkville Road, Birmingham, AL

Address

5451 Chalkville Road
Birmingham, AL
35235

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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