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 title RVs differently than travel trailers?

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Yes, the threshold is different by rig type. Alabama requires a certificate of title for any motorized RV or motorhome under 35 model years old, and separately for a towed travel trailer or camper under 20 model years old. Neither titling rule is an insurance requirement — Alabama has no separate RV-specific insurance statute, and RVs carry the same 25/50/25 mandatory liability minimum as any other registered motor vehicle under Code of Alabama Sec. 32-7-6.