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.

Do Alabama short-term rental hosts need to collect and remit a lodging tax?

All FAQs

Yes. Alabama’s lodgings tax applies to any stay of less than 180 days of continuous occupation, and hosts must register for an Alabama Lodgings Tax Account Number and remit both the state lodgings tax and any applicable local lodging tax (local rates range roughly 1% to 13% by county or municipality). That’s a tax obligation, not an insurance requirement — Alabama has no statewide short-term rental insurance mandate, and STR permitting, including any proof-of-insurance requirement, is set locally.