Skip to main content
 
 

Friendly Service That
Makes You Feel Like Family

We combine personalized service with quality coverage to bring you the insurance you need.

 
 

Specialized Coverage
to Protect Your Farm

Helping you grow your business and your livelihood with quality insurance.

 
 

A Local Agency
Serving Local Businesses

We understand the needs of local small businesses and how to ensure they have the right insurance.

1
1

About Tonya Williams Agency

Since 2008, Tonya Williams Agency has been providing superior service and customized coverage. With two offices in Arab and Cullman, AL, we are able to serve more clients as we continue to grow while making personalized, one-on-one service a priority.

Our service-oriented approach is what sets us apart and you can count on us to make the insurance process as simple as possible. If you’re looking for an agency that’s dedicated to understanding and serving your insurance needs, you’ve come to the right place. Get in touch with our team of agents today for friendly, knowledgeable service.

About Our Agency
Two Offices, Double the Quality Service
Arab, AL Office

1518 N Brindlee Mountain Pkwy
Arab, AL 35016

Cullman, AL Office

903 Co Rd 437
Cullman, AL 35055

From our two local offices, we are proud to serve clients throughout Northern Alabama.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for you.

Commercial Insurance

We’ll thoroughly assess your business and situation to develop cost-effective solutions that fit your needs.

Farm Insurance

Farm insurance eliminates confusion and allows you to simplify your insurance into a single policy.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for you.

Commercial Insurance

We’ll thoroughly assess your business and situation to develop cost-effective solutions that fit your needs.

Farm Insurance

Farm insurance eliminates confusion and allows you to simplify your insurance into a single policy.

Learn More About Home Insurance
There’s more to insurance than the price of the policy.

Explore our interactive graphics and learn about your unique risks and the related insurance solutions.

Personal InsuranceCommercial Insurance
Home
Fire
Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage
Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.

Solution

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use
Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.

Solution

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Valuable Possessions
Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Medical Expenses
Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability
Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage
Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury / Defamation
Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.

Umbrella / Excess Liability Coverage
Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage
Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home
Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars
Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.

Solution

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Wine Collection
Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Damage
Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.

Solution

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Off-Premises Theft
Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

“For I know the plans I have for you,” declares the LORD, “plans to prosper you and not to harm you, plans to give you hope and a future.”

Jeremiah 29:11

Our Core Values

Service

We’re always here for you, whether you’re shopping for insurance, filing a claim or updating a policy.

Expertise

With over ten years in business, our agency is backed by our team of experienced agents.

Coverage

We strive to bring you the best coverage that fits your needs while still being affordable.

Amazing Feedback

At Tonya Williams Agency, we’ve built a culture around doing the right things. But don’t just take our word for it. Read these client testimonials to see exactly what we mean.

Read More Reviews

Very friendly staff! Treats you like family instead of just a client. Very helpful and will always look for the best deal for your coverage.

David Hooten

Tonya Williams Agency Client Portal

Manage your account with us quickly and easily!

Download Our App
Apple StoreGoogle Play
Report Claim
Request Policy Change
Request Certificate
Request Auto ID Card
Policy Review

Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

  • Coverage will not be bound or changed until confirmed by a licensed agent.
  • This field is for validation purposes and should be left unchanged.

Close Menu
Arab, AL Office
Cullman, AL Office
From our two local offices, we are proud to serve clients throughout Northern Alabama.