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 have a special registration for classic or collector vehicles?

All FAQs

Quick answer: Yes. Alabama's Department of Revenue offers a Vintage Vehicle license plate (Code of Alabama Sec. 40-12-290) for vehicles over 30 years old, restricted to collector use like club activities and parades, for a $10 fee, rather than general daily transportation.

Alabama offers a distinct registration category for older vehicles, with its own eligibility rules and use restrictions.

Does Alabama have a special registration for classic vehicles?

Yes. Alabama's Department of Revenue offers a Vintage Vehicle license plate under Code of Alabama Section 40-12-290 for vehicles over 30 years old, weighing no more than 26,000 pounds, with an original or substantially similar body, chassis, engine, and transmission.

What does the plate cost, and what does it restrict?

The plate carries a $10 fee, but it restricts the vehicle to collector use, club activities, exhibitions, tours, and parades, rather than general daily transportation.

How does this connect to insurance?

That limited-use restriction mirrors the terms most collector-auto insurance policies already require: agreed value coverage priced on the assumption the vehicle is not a daily driver. A vintage plate and a standard personal auto policy are usually a mismatch for this reason.

What should a vintage-plate owner check?

A coverage review can confirm whether a collector-auto policy fits a specific vehicle's use pattern. See Alabama collector auto insurance for more.