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 require condo unit owners to carry their own insurance?

All FAQs

Quick answer: No. Alabama's Uniform Condominium Act (Code of Alabama Sec. 35-8A-313) requires the condo association to maintain a master property policy, which is primary over any unit owner coverage. A unit owner may buy their own policy but is not required to by state law.

Does Alabama law require a condo unit owner to carry insurance?

No. Alabama's Uniform Condominium Act (Code of Alabama Section 35-8A-313) requires the condo association to maintain a master property insurance policy, and makes that master policy primary if a unit owner also has coverage for the same loss.

Can a unit owner buy their own coverage anyway?

Yes. A unit owner is permitted to buy their own coverage, typically an HO-6 condo policy covering interior finishes, personal belongings, and personal liability, but is not required to by state law.

Why would an owner want their own policy if the association's is primary?

The association's master policy typically covers the building structure and common areas, not the owner's personal belongings, interior upgrades, or personal liability inside the unit. A unit-level policy fills that gap even though it is not legally required.

What should a condo owner check?

Any requirement to carry unit-level coverage comes from your association's bylaws or a mortgage lender, not Alabama law itself, so check both documents. A coverage review can confirm what a condo policy should cover for your unit. See Alabama condo insurance for more.