
Local Birmingham, Alabama insurance coverage that fits your family & business needs, with a team that knows your name.
Home, auto, and business insurance in Birmingham, Alabama
Birmingham grew up as a steel town at the foot of Red Mountain, and today its economy centers on UAB, banking, and healthcare. Historic neighborhoods like Southside, Avondale, and Highland Park sit alongside newer suburbs over the mountain.
Older homes and storm risk
Many Birmingham homes are decades old, and carriers ask about roofs, wiring, and plumbing. Tornadoes are a real risk here, as the April 2011 outbreak showed across central Alabama. We shop homeowners coverage across carriers and write landlord policies for rental owners.
Flash flooding and businesses
Heavy rain can flood low areas along Village Creek and Valley Creek, and a standard home policy does not cover flood. We also insure restaurants and local businesses, plus auto insurance for drivers on I-20/59 and I-65.
Your insurance team for Birmingham, Alabama
We work with Birmingham households and business owners, and also serve nearby Homewood, Mountain Brook, Vestavia Hills, Hoover, and Bessemer, along with communities across Alabama.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.

We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.


"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
Elye Insurance


Your trusted insurance advisor in Birmingham, Alabama providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Birmingham, Alabama.








