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.

Does Alabama law protect farm owners who host agritourism visitors?

All FAQs

Quick answer: Yes, with real limits. Alabama's Agritourism Liability Law (Code of Alabama Sec. 6-5-347) shields operators from liability for inherent farm-activity risks if warning signage is posted, but not for negligence, willful disregard for safety, or an undisclosed known hazard.

Does Alabama law protect farm owners who host agritourism visitors?

Yes, with real limits. Alabama's Agritourism Liability Law (Code of Alabama Section 6-5-347) shields an agritourism professional from liability for a visitor's injury resulting from the inherent risks of farm activities, and imposes no duty to inspect for those risks, but only if required warning signage is posted.

When does the protection NOT apply?

The protection does not apply to negligence, willful or wanton disregard for safety, or a dangerous condition the operator knew about and did not disclose.

Why do agritourism operators still carry insurance despite this law?

Those exceptions are why u-pick farms, corn mazes, and farm-stay operations still carry farm liability coverage. The statute limits certain claims, it does not eliminate liability exposure entirely, especially where negligence or an undisclosed hazard is involved.

What should an agritourism operator check?

A coverage review can confirm both the signage requirement is met and the right liability coverage sits behind it. See Alabama farm and rural property insurance for more.