Is RV insurance required in Georgia?

Yes for motorized RVs in Georgia (liability matches state auto minimums). Travel trailers borrow from the towing vehicle. Specialty RV coverage strongly recommended for physical damage and personal effects.

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 homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

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.

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.

Do I need commercial auto insurance in Alabama?

All FAQs

Quick answer: Yes. Alabama's baseline minimum liability applies to any registered vehicle, personal or commercial: 25/50/25 (25,000 dollars bodily injury per person, 50,000 dollars per accident, 25,000 dollars property damage), under Code of Alabama Section 32-7-6. For-hire and motor-carrier operations face higher minimums on top of that baseline -- federal FMCSA requirements for interstate carriers, or Alabama Public Service Commission requirements for intrastate carriers, depending on what and how the business hauls. A coverage review can confirm the right commercial-auto limit for a specific operation.

Yes. Alabama’s baseline minimum liability applies to any registered vehicle, personal or commercial: 25/50/25 (25,000 dollars bodily injury per person, 50,000 dollars per accident, 25,000 dollars property damage), under Code of Alabama Section 32-7-6. For-hire and motor-carrier operations face higher minimums on top of that baseline — federal FMCSA requirements for interstate carriers, or Alabama Public Service Commission requirements for intrastate carriers, depending on what and how the business hauls. A coverage review can confirm the right commercial-auto limit for a specific operation.