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.

What happens if a commercial property on the Alabama coast can’t get private wind coverage?

All FAQs

Every insurer authorized to write fire and extended-coverage insurance in Alabama must belong to the Alabama Insurance Underwriting Association (AIUA) as a condition of doing business in the state (Code of Alabama Sec. 27-1-24). AIUA is the insurer of last resort for windstorm and hail coverage in Baldwin and Mobile counties, where private carriers sometimes decline coastal commercial risk. AIUA covers wind and hail only — flood and any business income loss from a flood event still need separate coverage.