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 regulate personal umbrella insurance as its own line?

All FAQs

Quick answer: No. Alabama has no statute or DOI rule regulating personal umbrella insurance as its own line. It is underwritten as excess liability above an admitted home and auto policy, and non-admitted placements follow Alabama's general surplus-lines framework (Code of Alabama Title 27, Ch. 10, Art. 2).

Does Alabama regulate personal umbrella insurance as its own line?

No. Alabama has no statute or Department of Insurance rule that names or regulates personal umbrella insurance as a distinct line.

How is umbrella coverage actually underwritten, then?

It is underwritten as excess liability above an admitted home and auto policy, meaning it depends entirely on the underlying policies rather than standing on its own as a regulated product.

What changes if it is placed with a non-admitted carrier?

When placed with a non-admitted carrier, umbrella coverage follows Alabama's general surplus-lines framework (Code of Alabama Title 27, Chapter 10, Article 2) rather than any umbrella-specific rule, the same framework that governs any other hard-to-place coverage bought outside the standard admitted market.

What should a policyholder check?

Because umbrella coverage rides on top of your home and auto policies, a coverage review can confirm your underlying limits qualify and whether an admitted or surplus-lines umbrella policy fits your situation. See Alabama umbrella insurance for more.