Skip to main content

A Trusted Choice for High-Quality Insurance and Hometown Service

Who We AreContact Us

Experience Parnell Insurance difference for yourself.

Meet Us

Find Insurance

Service Your Policy

Contact Us

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.

Get in Touch

Prefer to talk directly?

Call: 256-831-8887 or Email Us

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.




Betterments and Improvements
Risk Factor

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.

Personal Property
Risk Factor

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
Risk Factor

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.

Personal and Family Liability
Risk Factor

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.

Medical Expenses
Risk Factor

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.

Loss Assessment
Risk Factor

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
Risk Factor

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.

Learn More About This Coverage
Interactive Graphic

Click it. Read it. Cover it.

  1. Click on the hotspots.
  2. Discover your risks.
  3. Explore coverage options.

Not what you’re looking for?

Explore more interactive graphics.

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.

The Independent Agency Advantage

What makes Parnell Insurance different?

Why Go Independent?

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.

Client LoginVisit Service Center

An Independent Agency Gives You Options

We proudly represent Safeco Insurance, Liberty Mutual, and more!

Proud Member


Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Contact Parnell Insurance

"*" indicates required fields

Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 256-831-8887 or email us.