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 verify a commercial insurer is licensed in Alabama?

All FAQs

Quick answer: You can confirm an insurer's Alabama license through the Alabama Department of Insurance (aldoi.gov) or the NAIC's public company lookup. Buying from a licensed, admitted insurer gives you access to Alabama's guaranty fund if that company later fails.

Confirming a carrier is properly licensed in Alabama protects more than just paperwork, it protects your access to a real safety net if the company later fails.

How do I check an insurer's Alabama license?

You can confirm an insurer's Alabama license through the Alabama Department of Insurance (aldoi.gov) or the NAIC's public company lookup.

Why does licensed, admitted status matter?

Buying from a licensed, admitted insurer is what gives you access to Alabama's guaranty fund if that company later fails. A non-admitted (surplus lines) carrier operates outside that safety net, which is sometimes an acceptable tradeoff for hard-to-place risks but is worth knowing before you buy.

Example

A Dothan business owner shopping commercial property coverage checks aldoi.gov before finalizing a policy and confirms the carrier is admitted in Alabama, meaning the guaranty fund would step in for covered claims if that specific insurer became insolvent.

What should I do if I am not sure?

A licensed advisor can confirm a carrier's admitted status as part of comparing options. See the surplus lines glossary term for more on non-admitted coverage.