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 I need uninsured motorist coverage in Alabama?

All FAQs

Uninsured motorist (UM) coverage must be offered on every Alabama auto policy and stays on the policy unless the named insured rejects it in writing (Code of Alabama Section 32-7-23). An estimated 14.2% of Alabama drivers were uninsured in 2022, and because Alabama’s contributory-negligence rule can bar an injured driver from recovering anything from an at-fault driver found even slightly at fault, UM coverage is often the more reliable path to being paid after a crash someone else caused.