About Parnell Insurance
Welcome to Parnell Insurance. We are an independent insurance agency with locations in Alabama, and Georgia, and licensed in surrounding states throughout the nation. Since 1990, we’ve been there to answer the call when it comes to helping our loyal clients secure insurance coverage and protect what they value.
Our goal has been to provide the highest standard of service, establish unbiased relationships with insurance companies, and maintain in-depth knowledge of the insurance industry since the day we opened our doors. This is a philosophy we are dedicated to, and the reputation we have built in the community is a testament to that. We encourage you to explore our site, get to know us, and request a personalized quote if you have any questions.
The Solution to Your Insurance Needs
Parnell Insurance offers a variety of business insurance and personal insurance solutions to help you protect what matters most.
Any betterments, improvements, alterations, or additions made to your condominium are subject to damage. However, it’s important to make sure they’re covered appropriately.
Be sure to obtain coverage for any betterments, improvements, alterations, and additions made to the unit. This includes, but is not limited to, kitchen cabinets, built-in wall units, wall-to-wall carpeting, wallpaper, paint, bathroom fixtures, tile and wood flooring, and more.
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.
Additional living expenses can be incurred if there is damage to your unit due to a fire, storm, or other event resulting in your need to live at a temporary residence.
Ensure you have the proper coverage in case you need to live elsewhere for a little while. Coverage usually includes hotel bills, restaurant meals, and other living expenses incurred while your residence is being repaired or rebuilt.
You're responsible if a guest in your unit trips and falls or sustains an injury while on your property or if you cause damage to other units.
Be sure that you have coverage for claims made against you for bodily injury or property damage caused by your negligence, whether intentional or not. This might include damage to other units in the building, perhaps caused by a leaking pipe in your unit or otherwise.
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
If your building owner or association suffers a loss and doesn't have adequate insurance coverage of their own, they may require you to help pay for the loss via an assessment.
Consider loss assessment coverage to protect yourself in the event of an assessment caused either by a property (building) or liability loss. A range of limits may be available.
Physical damage can happen in many ways. As one example, suppose a fire unexpectedly breaks out in the utility closet and consumes the building causing significant damage.
Be sure your condominium owner, association, or corporation carries a comprehensive policy to cover the risk of physical damage. It’s important to know what the policy includes and what it doesn’t, which could range from covering just the shell of the building to including things like floors and walls.
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Southern service. Statewide solutions.
Our main offices are located in Oxford, AL, and Tallapoosa, GA. The service we provide is available across the nation in many states. We are happy to extend our hometown service to you no matter where you are located.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are by your side every step of the way.
We are licensed insurance advisors.
Manage Your Policies
Already a client of Parnell Insurance? Visit our Service Center to make requests and manage your insurance.
An Independent Agency Gives You Options
We proudly represent Safeco Insurance, Liberty Mutual, and more!
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