What is a deductible?

The amount you pay out of pocket on a covered claim before insurance pays the rest. Higher deductibles mean lower premiums.

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 require a higher commercial auto minimum than personal auto?

All FAQs

It depends on how the vehicle is used. Alabama’s general minimum is 25/50/25, the same as personal auto, under Code of Alabama Sec. 32-7-6. But the Alabama Public Service Commission requires a higher 100/300/50 minimum specifically for intrastate for-hire property motor carriers, and vehicles crossing state lines for interstate commerce must separately meet federal FMCSA minimums of $750,000 to $5,000,000 depending on cargo. Which tier applies depends on what the vehicle actually does, not just who owns it.