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 scheduled personal property coverage?

All FAQs

Quick answer: No. Alabama has no statute mandating scheduled personal property coverage. It is a voluntary endorsement or standalone floater everywhere, including Alabama, existing to cover items (jewelry, art, firearms, instruments) that exceed a standard homeowners policy's per-category sublimits.

Does Alabama require scheduled personal property coverage?

No. Alabama has no statute mandating scheduled personal property coverage or setting minimum terms for it.

What is this coverage, and why does it exist?

The coverage is a voluntary endorsement or standalone floater everywhere, including Alabama, and exists specifically to cover items that exceed a standard homeowners policy's per-category sublimits, things like jewelry, fine art, firearms, and musical instruments.

Example

An Auburn homeowner with a $6,000 firearm collection discovers their homeowners policy caps firearms coverage at a fraction of that value. A scheduled personal property floater insures the specific items at their appraised value instead.

Where can I read more?

For the full picture on scheduling, agreed value, and mysterious disappearance coverage, see the jewelry insurance guide. See Alabama scheduled articles insurance for more.

Does this connect to homeowners coverage?

Yes. A standard homeowners policy caps categories like jewelry, cash, and firearms at a fixed dollar amount regardless of what a specific item is actually worth. Scheduling an item removes it from that shared category cap and insures it individually, usually at an agreed or appraised value, so a single high-value item does not eat into the sublimit available for everything else in that category.