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 title RVs differently than travel trailers?

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Quick answer: Yes, by rig type. Alabama requires a title for a motorized RV or motorhome under 35 model years old, and separately for a towed travel trailer or camper under 20 model years old. Neither is an insurance requirement; RVs carry the same 25/50/25 mandatory liability minimum as any other vehicle.

Alabama titles RVs and travel trailers differently depending on how old the specific rig is, though the insurance rule underneath stays constant.

Does Alabama title RVs differently by age?

Yes, and 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.

Does the titling rule change the insurance requirement?

No. 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 Section 32-7-6.

What does this mean for an older RV?

A motorhome older than 35 model years may not require a title the way a newer one does, but it still needs the same liability insurance to be legally driven, since the insurance rule is tied to registration and operation, not the titling age threshold.

What should an RV owner check?

Beyond the state minimum, RV owners often add coverage for the vehicle's full value and contents. A coverage review can confirm the right policy for your specific rig. See Alabama auto insurance for more.