What is a deductible?

The amount you pay out of pocket on a covered claim before insurance pays the rest. Higher deductibles mean lower premiums.

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?

All FAQs

Yes. Code of Alabama Sec. 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, and all installers must be AMHC-certified. Mobile and Baldwin counties are designated Wind Zone II, a higher standard than the rest of the state. Carriers frequently require proof of a certified tie-down inspection before binding coverage.