Brandon Tate

Welcome to the Brandon Tate Agency in Lincoln, AL!

With October starting off a vibrant fall season, inspecting water heaters and main line valves helps prevent costly indoor plumbing surprises. Carrying water line and plumbing insurance helps absorb the financial burden if main supply pipes crack or water heaters break down unexpectedly. It keeps your domestic plumbing functioning reliably, so your family enjoys continuous comfort. Updating your safeguards today ensures your physical property stays protected against unexpected repair bills.

We proudly opened our State Farm Agency in 2018, just two years after Brandon graduated from Jacksonville State University in 2016.

At our agency, we truly love what we do. Every day, we get to serve our community—whether that’s helping someone recover after a car accident or house fire, protecting the things that matter most, or guiding you toward your financial goals. Our mission is simple: help customers manage the risks of everyday life, recover from the unexpected, and achieve their dreams. They say that when you love your work, it doesn’t feel like work at all—and we couldn’t agree more.

Our office is conveniently located on US Highway 78 in Lincoln, AL. We’re proud members of both the Greater Talladega & Lincoln Area Chamber of Commerce and the Pell City Chamber of Commerce, and we’re always looking for new ways to get involved in our local communities.

With over 10 years of combined experience, my team and I are here to assist you with a wide range of insurance needs, including:

• Auto Insurance

• Home Insurance

• Renters Insurance

• Life Insurance

• Boat Insurance

• Motorcycle Insurance

• Small Business Insurance

• Commercial Vehicle Insurance

• Workers Comp Insurance

• Professional Liability Insurance / Errors & Omissions

• ...and more!

We provide FREE insurance quotes for residents of Lincoln, Riverside, Pell City, Talladega, and throughout the state of Alabama.

By blending modern technology with personal, old-fashioned customer service, we make it easy to get the protection you need. Call, email, text, or stop by our office today—we’d love the opportunity to help you!

Q: Are expensive items like jewelry or high-end electronics covered under standard accounts?

A: Standard home and renters accounts have specific caps for high-value categories like fine jewelry, art, or specialized tech. Adding a personal property endorsement ensures these items are protected for their true appraised value. Brandon Tate in Lincoln can help you safeguard your valuables.

Q: How does choosing a higher or lower deductible affect my cost?

A: A higher deductible means you pay more out-of-pocket if you file a claim, but it lowers your monthly payment. A lower deductible means less out-of-pocket cost during a claim, but higher monthly payments. Brandon Tate in Lincoln can help you find a comfortable balance between your deductible and cost.

Q: Why should I choose a local insurance representative instead of buying directly online?

A: Working with a local representative gives you a dedicated neighbor who understands your specific community, state regulations, and local risks. You get straightforward guidance and someone to advocate for you when you need help most. Brandon Tate is proud to serve Lincoln with local knowledge and friendly support.

Q: What is the difference between collision and comprehensive protection?

A: Collision protection helps pay for damage if your vehicle impacts another car or object, like a fence or tree. Comprehensive protection steps in for non-collision events, such as windshield cracks, theft, weather damage, or hitting an animal. Serving Lincoln, Brandon Tate can help you decide which combination makes sense for your vehicle.