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Dedicated to insuring Montgomery, AL, since 1962, the Belcher Agency is here for you.

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Belcher Agency, Inc.

Your local, small town insurance agency.

Since opening our doors in 1962, Belcher Agency has gone through a lot of changes, but we’ve also remained true to our roots at the same time. We set out to serve the insurance needs of Montgomery, AL, and we’ve been dedciated to providing solutions to our clients throughout the community ever since.

As a small town, family-owned and operated insurance agency, we always put your best interests first, bringing you quality, affordable coverage from our family to yours. Auby Belcher, the president of the agency, has been carrying on the legacy of the family business since 1997, and constantly strives to live up to the founding principles created six decades ago. We’re here to be the agency you rely on, we are the Belcher Agency.

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Insuring Montgomery, AL

We’re your local, small town agency in Montgomery, AL, here to serve your insurance needs. Contact us to get started!

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Celebrating Our 60th Anniversary

Established in 1962, we are proud to be celebrating 60 years of service in our community in 2022, and look forward to many more to come.

Insurance Solutions With Your Best Interests in Mind

Whether you are looking for personal insurance, business insurance, or employee benefits, we are proud to serve your insurance needs.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Meet the Team

Auby Belcher, CISR

President
  • President of the Belcher Agency since 1997.
  • 40 years of experience working at the family-owned agency.

Wanda Kasten, CISR

Agent
  • Licensed insurance agent since 1989.
  • Worked up the ladder from clerical work to insurance underwriting and bookkeeping.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Our Clients Love Working With Us

Check out our reviews and see why you should switch to Belcher Agency, Inc.

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Real clients. Real reviews. Real coverage.

“We love using the Belcher Agency! Exceptional rates on homeowners, automobile, and life insurance for our family! Their staff is friendly and knowledgeable! I wouldn’t choose anyone else to help us with our insurance needs!”

– Breannan Dunkerson

The Values We Were Founded Upon

The Belcher Agency was founded with these guiding principles in mind, which we still take to heart to this day.

Small Town Agency

We began and still are a small town agency, serving your insurance needs on a personal level from our family to yours.

Committed to Community

We’ve been serving the Montgomery, AL, community from the start, and we are proud to help our neighbors like you find the protection you need.

Serving Your Best Interests

We are dedicated to helping you find insurance that helps protect what you care about most, with your best interests front and center.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

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  • Discover your risks.
  • Get the right coverage.
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As an independent agency, we are here to help you find the right coverage.

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Montgomery, AL

416 S. Perry Street
Montgomery, AL 36104

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