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 require identity theft insurance?

All FAQs

Quick answer: No. Alabama has no statute mandating identity theft coverage. It is a voluntary endorsement or standalone policy, the same as anywhere else, and most homeowners carriers offer it as a low-cost add-on covering recovery expenses rather than the fraudulent charges themselves.

Does Alabama require identity theft insurance?

No. Alabama has no statute mandating identity theft coverage or setting specific terms for it, it's a voluntary endorsement or standalone policy, the same in Alabama as anywhere else.

How is it typically offered?

Most homeowners carriers offer it as a low-cost add-on, often bundled onto a homeowners or renters policy rather than sold as a completely separate product.

What does it actually cover?

Identity theft coverage typically reimburses expenses tied to recovering from identity theft, things like lost wages from time spent resolving fraud, legal fees, and certain out-of-pocket costs, rather than the fraudulent charges themselves, which are usually the bank or card issuer's responsibility.

What should a homeowner check?

A coverage review can confirm whether this low-cost add-on is already included on an existing policy or worth adding. See Alabama identity theft insurance for more.