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.

How much is car insurance in Alabama?

All FAQs

The average auto insurance expenditure per insured vehicle in Alabama was $1,081.24 in 2023, and the combined average premium (liability, collision, and comprehensive) was $1,268.71, according to the NAIC Auto Insurance Database Report. Actual cost depends on coverage limits, driving record, vehicle, location, and deductible — Alabama’s minimum liability limits are 25/50/25 ($25,000 per person, $50,000 per accident, $25,000 property damage), and fuller coverage costs more.