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.

Can my landlord require me to carry renters insurance in Alabama?

All FAQs

Quick answer: Yes. Alabama has no statute requiring renters insurance, but a landlord can make it a lease condition under Alabama's Uniform Residential Landlord and Tenant Act (Code of Alabama Sec. 35-9A-161). Leases requiring it typically specify a minimum personal liability limit and proof before move-in.

Can an Alabama landlord require tenants to carry renters insurance?

Yes. Alabama has no statute requiring renters insurance, but a landlord can make it a condition of the lease under general contract terms permitted by Alabama's Uniform Residential Landlord and Tenant Act (Code of Alabama Section 35-9A-161).

What does a lease requirement usually look like?

If your lease requires renters insurance, you typically must show proof of a policy meeting the stated minimum, often a set personal liability limit, before move-in. Some leases specify the landlord or property manager must be added as an interested party on the policy.

What happens if I do not comply?

A lease that requires renters insurance is a contract term like any other. Not carrying required coverage can be treated as a lease violation, separate from the question of whether the state itself mandates the coverage (it does not).

What should a tenant check?

Read your lease for the exact minimum required, then get a coverage review to confirm a policy meets it. See Alabama renters insurance for more.