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 manufactured homes to be anchored?

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Quick answer: Yes. Code of Alabama Sec. 24-5-32 requires manufactured homes to be tied down to certified ground anchors rated for the applicable wind zone, installed by an AMHC-certified installer. Mobile and Baldwin counties (Wind Zone II) face a higher standard. Carriers often require proof of inspection before binding coverage.

Does Alabama law require manufactured homes to be anchored?

Yes. Code of Alabama Section 24-5-32 makes it unlawful to install or occupy a manufactured home unless it is tied down to properly installed ground anchors rated to resist the wind loads set by the Alabama Manufactured Housing Commission.

Who is allowed to do this installation?

All installers must be AMHC-certified, so a homeowner cannot simply have any contractor perform the tie-down installation and expect it to satisfy the statute.

Does the requirement vary by location?

Yes. Mobile and Baldwin counties are designated Wind Zone II, a higher standard than the rest of the state, reflecting the greater coastal wind exposure in those two counties.

How does this connect to insurance?

Carriers frequently require proof of a certified tie-down inspection before binding coverage, so an uninspected or improperly anchored home can face a real coverage gap, not just a legal violation. A coverage review can confirm what documentation a specific carrier requires. See Alabama manufactured home insurance for more.