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.

Does Alabama use contributory negligence?

Q: Does Alabama use contributory negligence?

Yes. Alabama follows pure contributory negligence -- a driver found even slightly at fault for a crash, as little as 1%, can be barred from recovering damages from the other driver. In Golden v. McCurry, 392 So. 2d 815 (Ala. 1980), the Alabama Supreme Court affirmed this rule for a driver stipulated to be only 1% at fault, and left any change to the legislature. Alabama is one of a handful of states that still use this strict standard instead of comparative fault.

All FAQs

Yes. Alabama follows pure contributory negligence — a driver found even slightly at fault for a crash, as little as 1%, can be barred from recovering damages from the other driver. In Golden v. McCurry, 392 So. 2d 815 (Ala. 1980), the Alabama Supreme Court affirmed this rule for a driver stipulated to be only 1% at fault, and left any change to the legislature. Alabama is one of a handful of states that still use this strict standard instead of comparative fault.