Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

How do I find insurance in Birmingham if you are not local?

All FAQs

Quick answer: Coverage is handled by phone and online with a licensed advisor, so there is no in-person office visit required. This fits Birmingham well, where housing ranges from historic in-town neighborhoods to newer suburbs, and real tornado history (the April 27, 2011 outbreak) makes wind coverage worth a careful review either way.

Can I get insurance in Birmingham if you are not local to the area?

Yes. Coverage is handled by phone and online with a licensed advisor, so there is no in-person office visit required to compare Alabama coverage options.

Why does remote service fit Birmingham specifically?

Birmingham is Alabama's largest metro area, with a housing stock that spans historic in-town neighborhoods with older construction to newer suburban development further out. That range means two Birmingham homeowners can need very different coverage even a mile apart, which a remote licensed advisor can sort out just as precisely as an in-person one.

Does Birmingham's severe-weather history affect this?

Birmingham and the surrounding area have real tornado exposure on record, including the April 27, 2011 outbreak, one of the most damaging severe-weather events in Alabama history. A remote advisor can walk through wind and hail coverage, deductibles, and gaps for that risk exactly as a local office visit would.

What does the process look like?

A licensed advisor gathers your details by phone or a short online form, compares options across multiple carriers available in Alabama, and finalizes the policy without requiring a Birmingham office visit, whether that is a homeowner in an older neighborhood or a business owner insuring a storefront.

What is the next step?

Start with a free coverage review to compare options for your specific situation, no office visit required. See the Birmingham insurance guide for more.