Southern Risk Associates, Inc.

Southern Risk Associates, Inc. Independent Insurance Agency servicing AL, GA, and MS.

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. S...
09/07/2026

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

Storms can come up quickly along the Gulf Coast, and a little preparation can make a big difference.We recommend keeping...
08/31/2026

Storms can come up quickly along the Gulf Coast, and a little preparation can make a big difference.

We recommend keeping your policy information, your insurance carrier’s claim number, and our Southern Risk contact details in an easy-to-find place. Having everything together ahead of time can help reduce stress and save valuable time if you ever need to file a claim.

If you’re not sure where to find this information or would like a quick review, our team is always here to help.

Late summer is a great time to take a quick look at your coverage before the next outing.If you have a golf cart, RV, ca...
08/26/2026

Late summer is a great time to take a quick look at your coverage before the next outing.

If you have a golf cart, RV, camper, motorcycle, or ATV, your insurance needs can change depending on how and where you’re using it. What worked earlier in the season may not fully protect you now.

We’re always happy to review your policies and make sure everything still fits your plans.

Give us a call before your next trip—we’re here to help keep things simple and covered.

Severe weather can pop up quickly along the Gulf Coast, so it’s a good idea to take a few minutes to document your home....
08/19/2026

Severe weather can pop up quickly along the Gulf Coast, so it’s a good idea to take a few minutes to document your home.

We recommend snapping a few updated photos or doing a quick video walkthrough of your rooms, furniture, and valuables. It doesn’t have to be complicated—just something simple to show what you own.

Having a home inventory can make claims conversations much easier if you ever need them.

If you have questions about your homeowners insurance or coverage, our team is always here to help. Feel free to reach out anytime.

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to...
08/18/2026

If you have ever wondered what would actually happen to your payout after a covered loss, the answer often comes down to one question: Does your policy use replacement cost value or actual cash value?

These two coverage types work very differently, and understanding them can save you from a costly surprise when you file a claim. Swipe through for a clear breakdown of each.

Have questions about your current coverage or which option is right for you? Give us a call today.

Hear directly from our customers — their experience speaks volumes.
08/05/2026

Hear directly from our customers — their experience speaks volumes.

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an ...
07/21/2026

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

The dog days of summer are here, and we are just stopping by to say hello! We hope you’re soaking up the sun, catching a...
07/15/2026

The dog days of summer are here, and we are just stopping by to say hello!

We hope you’re soaking up the sun, catching a cool breeze, or maybe even catching a nap or two on a sunny beach.

Remember, if there is anything our team can help you with before the season winds down, please do not hesitate to reach out. We are always here and happy to connect whenever you need us.

We're grateful for the trust our clients place in us. Here's one of their stories.
07/07/2026

We're grateful for the trust our clients place in us. Here's one of their stories.

07/03/2026

This July, we’re not just celebrating Independence Day — we’re also celebrating 250 years as a nation, a truly once-in-a-lifetime holiday. Our team wishes each of you a happy, safe, and memorable Fourth of July!

Please note that our office is closed on Friday, July 3rd. We’ll be back on Monday, July 6th, and will respond to any messages received Friday as soon as we can!

Address

Foley, AL
36535

Opening Hours

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

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