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 jewelry insurance?

All FAQs

Quick answer: No. Alabama has no statute requiring jewelry insurance or a minimum sublimit. Jewelry coverage works the same as nationally: a standard homeowners or renters policy caps jewelry theft at a low sublimit, and anything above that needs a scheduled-articles rider or standalone policy.

Does Alabama law require jewelry insurance?

No. Alabama has no statute requiring jewelry insurance or setting a minimum coverage sublimit for it.

How does jewelry coverage actually work in Alabama, then?

Jewelry coverage in Alabama works the same way it does nationally: a standard homeowners or renters policy caps jewelry theft coverage at a low sublimit, and anything above that needs a scheduled-articles rider or a standalone policy.

Example

A Vestavia Hills homeowner with a $15,000 engagement ring discovers their homeowners policy caps jewelry theft at $1,500, far below the ring's value. A scheduled-articles rider closes that gap by insuring the specific item at its actual value.

Where can I read more?

For the full picture on scheduling, agreed value, and mysterious disappearance coverage, see the jewelry insurance guide. A coverage review can confirm the right approach for a specific item.