The Rinehart Agency is a family owned independent agency helping Alabama and Mississippi families and businesses find the right coverage at the right price. We shop top carriers so you never have to settle.

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Bundle Home & Auto

Multi-policy discounts for your home and auto.

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Home Insurance

Safeguard your home, from foundation to rooftop, against the elements.

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Auto Insurance

Protection that travels with you along Florida’s highways.

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Commercial Insurance

Protect your business from risks that matter most.

Coverage Types

Choose the Type of Coverage You Need

Whether you are protecting your family, your business, or your industry, The Rinehart Agency shops top-rated carriers to find the right fit for you across Alabama and Mississippi.

Personal Insurance

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Protect your home, your car, and the people you love most with personalized coverage tailored to your life and your budget.

Commercial Insurance

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Keep your Alabama or Mississippi business running strong with commercial coverage built around your operations, your employees, and your bottom line.

Insurance by Industry

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From contractors and restaurants to home healthcare and non-profits, we build specialized coverage around the unique risks of your industry.

Coverage Options

Explore Specific Coverage Options

Personal Insurance

  • Home
  • Auto Insurance
  • Motorcycle Insurance
  • Watercraft Insurance
  • Renters Insurance

Commercial Insurance

  • General Liability
  • Auto Liability
  • Workers Compensation
  • Commercial Property
  • Commercial Umbrella

Insurance by Industry

  • Contractors
  • Industrial
  • Habitation
  • Restaurant
  • Manufacturing
Allstate
Berkley
CNA
Frankenmuth
Travelers

Why choose us?

Why Alabama Families and Businesses Trust Us

We have earned our neighbors' trust the old-fashioned way, by showing up, picking up the phone, and going above and beyond every single time. With top-rated carriers, deep roots in Columbiana and Clanton, and a team that genuinely cares, we deliver the kind of experience big-box agencies simply cannot match.

Independent Agency

Independent by Design

We are not tied to one insurance company. With multiple top-rated carriers in our network, we compare rates and coverage side by side so you always get the best deal, not just the only option.

Awarded Agency

A Team That Truly Cares

From saving clients thousands on their premiums to going to bat for them after a claim, Torie and her team have built their reputation one satisfied client at a time across Alabama and Mississippi.

Friendly Agency

Coverage That Grows With You

Life changes and your insurance should too. From your first home to your growing business, we review your coverage at every stage so you are never overpaying or underprotected.

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HQ Address

Our Locations

HQ Address

104 East College Street, Columbiana, Alabama 35051, United States

Our Other Office

701 Logan Road

Clanton, AL 35045

Business Hours

Mon - Fri : 09:00 am - 05:00 pm

Contact

Insurance Tips and Resources

Three people in a bright office shake hands during a meeting, with papers and a laptop on the table.

Why an Independent Agent Almost Always Gets You a Better Rate in Alabama

By The Rinehart Agency • June 16, 2026
Independent agents in Alabama compare multiple carriers to find you better rates and coverage. Learn why The Rinehart Agency's approach saves you money.
Barista in a café, looking down while holding a cup, with coffee equipment and shelves behind him

What Alabama Business Owners Need to Know Before Buying Commercial Insurance

By The Rinehart Agency • June 16, 2026
Alabama business owners need the right commercial insurance to protect against risks. Learn what coverage you need and how to choose the right policies for your business.
Family playing with a dog on a sunny lawn outside a house at sunset

How Alabama Homeowners Can Save by Bundling Insurance

By The Rinehart Agency • June 16, 2026
Alabama homeowners save 15-25% by bundling home and auto insurance. Learn how The Rinehart Agency helps you maximize discounts and simplify coverage.

Frequently Asked Questions

Your Insurance Questions Answered

  • What types of insurance does The Rinehart Agency offer?

    The Rinehart Agency offers a full range of personal and commercial coverage including auto, home, renters, life, umbrella, general liability, workers compensation, commercial auto, and business owners policies. We also serve specialized industries across Alabama so whatever you need, chances are we cover it.

  • What is the difference between an independent insurance agent and a captive agent?

    Independent agents like The Rinehart Agency work with multiple top-rated carriers, giving you access to more options and more competitive rates. Captive agents represent only one company which limits your choices. We shop the market on your behalf so you always get the best coverage at the best price.

  • How quickly can I get an insurance quote?

    Getting started is easy. You can call us at (205) 671-5555, visit us at our offices in Columbiana or Clanton, or request a quote directly on our website. Our team responds quickly and will walk you through your options from start to finish.

  • Does The Rinehart Agency offer business insurance?

    Yes, and commercial coverage is one of our strengths. We work with Alabama business owners across a wide range of industries including contractors, restaurants, home healthcare, and more to build policies that protect their operations, their employees, and their bottom line.

  • Can I bundle my home and auto insurance to save money?

    Absolutely. Bundling your home and auto is one of the best ways to lower your premiums. The Rinehart Agency works with multiple carriers that offer multi-policy discounts and we will find the combination that gives you the most coverage for your budget.

No obligation · No sales pressure

Ready to Compare Rates and Save?

Prefer to talk to a real person? Give us a call and we will answer your questions and provide a quote over the phone. No hassle and no hard sell, just honest advice from Alabama's most trusted independent agency.