
Local Florence, Alabama insurance coverage that fits your family & business needs, with a team that knows your name.
Home, auto, and boat insurance in Florence, Alabama
Florence is the largest city in the Shoals, on the north bank of the Tennessee River. It is home to the University of North Alabama and known for its music history, with Muscle Shoals just across the river.
Homeowners insurance in the Shoals
Florence mixes historic homes downtown with newer neighborhoods. Severe storms and tornadoes cross the area each spring. We shop homeowners coverage across carriers and write landlord policies for rentals near UNA.
River life and autos
We write boat insurance for Pickwick and Wilson Lakes, auto insurance for local drivers, and flood insurance for homes near the river.
Your insurance team for Florence, Alabama
We work with Florence households and business owners, and also serve nearby Muscle Shoals, Sheffield, Tuscumbia, and Killen, 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 Florence, Alabama providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Florence, Alabama.








