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.

Do I need flood insurance in Mobile, Alabama?

All FAQs

Quick answer: Standard home insurance does not cover flood damage anywhere, including Mobile. Flood coverage is separate, through the NFIP or a private flood insurer. In coastal and low-lying parts of Mobile, a lender in a FEMA high-risk flood zone will require it.

Do I need flood insurance in Mobile?

Standard home insurance does not cover flood damage anywhere, including Mobile. Flood coverage is separate, through the federal National Flood Insurance Program or a private flood insurer.

When is it actually required for a Mobile property?

In coastal and low-lying parts of Mobile, a lender in a FEMA-designated high-risk flood zone will require it, the same requirement that applies statewide, just more commonly triggered in Mobile given its flood-zone geography.

Is it worth carrying outside a high-risk zone?

Many Mobile-area flood claims come from properties the flood map calls lower-risk, since heavy rain and storm surge do not respect zone boundaries precisely.

What should a Mobile homeowner check?

A coverage review can pull your specific flood-zone status. See Alabama flood insurance for more.

Does a lender flood-zone requirement ever change?

Yes. FEMA periodically updates flood maps, and a Mobile property that was not in a high-risk zone at purchase can be remapped into one later, triggering a new lender requirement even without any change to the property itself.