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.

What insurance are Alabama drivers and homeowners required to carry?

All FAQs

Quick answer: Alabama requires auto liability insurance of at least 25/50/25. Home insurance is not required by state law but is almost always required by a mortgage lender.

What insurance are Alabama drivers and homeowners required to carry?

Alabama requires drivers to carry auto liability insurance of at least 25/50/25 ($25,000 per person and $50,000 per accident for injuries, $25,000 for property damage). Home insurance itself is not required by Alabama state law, but it is almost always required by a mortgage lender as a condition of the loan. A homeowner who pays cash has no state or lender mandate to carry it, though the financial exposure of going without it remains real.

What else commonly gets required by contract rather than statute?

Landlords can require tenants to carry renters insurance by lease term, and construction lenders typically require builders risk coverage, even though neither is an Alabama statutory mandate.

What about business insurance requirements in Alabama?

Alabama's business insurance requirements, including workers' compensation, are a separate question from what applies to individual drivers and homeowners. See what business insurance Alabama law requires for that side of the picture.

How do I know what applies to my situation?

A coverage review can sort out what is legally required, what a lender or lease requires, and what is simply smart for a specific household or business. See the Alabama insurance hub for the full picture.