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 a landlord to carry property insurance?

All FAQs

Quick answer: No. Alabama's Uniform Residential Landlord and Tenant Act does not require a landlord to carry insurance. It does require the property be kept habitable and code-compliant (Code of Alabama Sec. 35-9A-204), which creates the liability exposure landlord insurance addresses. A lender may separately require it.

Does Alabama require a landlord to carry property insurance?

No. Alabama's Uniform Residential Landlord and Tenant Act does not require a landlord to carry property or liability insurance.

What does Alabama require of landlords instead?

The Act does require the landlord to keep the property in a habitable, code-compliant condition, under Code of Alabama Section 35-9A-204. That statutory duty is what creates the liability exposure landlord insurance is built to address, even though the insurance itself is not separately mandated.

Who actually requires landlord insurance, then?

A mortgage lender may separately require insurance as a loan condition on a rental property, which is the most common source of a real-world requirement even though it does not come from state law.

What should a landlord check?

Even without a state mandate, an uninsured landlord carries real exposure from the habitability duty alone. A coverage review can confirm the right property and liability coverage for a specific rental. See Alabama landlord insurance for more.