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 motorcycle riders to wear a helmet?

All FAQs

Quick answer: Yes. Alabama has a universal helmet law (Code of Alabama Sec. 32-5A-245): every rider and passenger must wear protective headgear meeting state standards, regardless of age. Alabama also requires the same 25/50/25 minimum liability insurance for motorcycles as for passenger cars.

Alabama's motorcycle rules combine a safety requirement with the same insurance minimum used for passenger cars.

Does Alabama require a helmet?

Yes. Alabama has a universal helmet law under Code of Alabama Section 32-5A-245: every motorcycle rider and passenger must wear protective headgear that meets state standards, regardless of age, with no exceptions besides an enclosed cab.

What insurance does a motorcycle need?

Alabama requires the same 25/50/25 minimum liability insurance for motorcycles as it does for passenger cars before the bike can be registered.

Does a helmet law violation affect insurance?

A helmet law violation is a traffic citation, separate from an insurance claim, but riding without required headgear can factor into how liability is assessed after an accident involving a head injury.

What should a rider check?

Beyond the state minimum, many riders add coverage for accessories, gear, or a higher liability limit. A coverage review can confirm your policy fits your bike and riding habits. See Alabama motorcycle insurance for more.