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 horse owners and stables from liability?

All FAQs

Quick answer: Yes, with real limits. Alabama's Equine Activities Liability Protection Act (Code of Alabama Sec. 6-5-337) shields sponsors, professionals, and others from liability for inherent equine-activity risks, with five exceptions: faulty equipment, failing to assess a rider's ability, undisclosed hazards, willful disregard, and intentional injury.

Does Alabama law protect horse owners and stables from liability?

Yes, with real limits. Alabama's Equine Activities Liability Protection Act (Code of Alabama Section 6-5-337) shields an equine activity sponsor, an equine professional, or any other person from liability for a participant's injury or death resulting from the inherent risks of equine activities.

When does the immunity NOT apply?

The immunity does not apply in five situations: providing equipment or tack known to be faulty, failing to reasonably assess a participant's ability to handle a particular horse, a known dangerous condition on the property with no warning sign, willful or wanton disregard for safety, and intentional injury.

Why do stables still carry liability coverage given this protection?

Those exceptions are why boarding facilities, lesson programs, and horse owners still carry equine liability coverage despite the statute. A single claim that falls into one of the five exceptions is not protected, regardless of how careful the operation is otherwise.

What should an equine business check?

A coverage review can confirm the right liability coverage given these specific exceptions. See Alabama equine insurance for more.