Other personal insurance coverage in Alabama.

You probably need this if you own an RV, a high-value watercraft, pets, or have international travel or public-profile exposure that creates risks standard personal lines do not address.

Alabama does not require watercraft insurance by statute, but lenders and marinas, particularly those on Lake Martin, Smith Lake, and Lake Guntersville, typically require liability coverage as a condition of a slip or loan. Alabama follows pure contributory negligence rather than a comparative-fault rule (Golden v. McCurry, 392 So. 2d 815, Ala. 1980): a claimant found even slightly at fault in an accident can be completely barred from recovery, a stricter standard than most states use, which is exactly why personal umbrella coverage carries added weight here -- Alabama's 25/50/25 auto minimums sit well below the underlying limits most carriers require before writing a $1 million umbrella layer. RV coverage follows the vehicle's registration and use pattern: a motorhome used as a primary residence in Alabama carries different underwriting criteria than one used seasonally, and Alabama titles a motorized RV the same as any other vehicle. For jewelry, homeowners policies typically carry a $1,000 to $2,500 sublimit on unscheduled jewelry; a scheduled personal articles floater removes that sublimit and usually covers mysterious disappearance. Carriers available through us for these lines include Jewelers Mutual for fine jewelry, RLI for standalone personal umbrella to $5 million, Progressive for watercraft and collector vehicles, Foremost and American Modern for RVs and specialty personal property, and Chubb and PURE for high-net-worth personal collections including fine art and wine.