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.

How long does an Alabama business have to notify customers after a data breach?

All FAQs

45 days. Alabama’s Data Breach Notification Act (Code of Alabama Sec. 8-38-5) requires a covered entity to notify affected individuals within 45 days of determining a breach of sensitive personally identifying information occurred, or within 45 days of receiving notice from a third-party agent that a breach happened. There is no exemption for small businesses — the duty applies regardless of size. If more than 1,000 Alabama residents are affected, the business must also notify the Alabama Attorney General within the same window.