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.

Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

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.

How do I contact the Alabama Department of Insurance?

Q: What if I would rather contact them in writing?

Email: ConsumerServices@insurance.alabama.gov. Mail: P.O. Box 303351, Montgomery, AL 36130-3351. A written record, whether email or mail, creates a timestamp that can matter if a claims-handling deadline is at issue.

All FAQs

Quick answer: Alabama Department of Insurance, Consumer Services: 334-241-4141 or 1-800-433-3966, [email protected]. Mail: P.O. Box 303351, Montgomery, AL 36130-3351. Complaints can also be started online at aldoi.gov.

The Alabama Department of Insurance has several ways to reach its Consumer Services division, depending on how you prefer to make contact.

What is the fastest way to reach Consumer Services?

Phone: 334-241-4141 or the toll-free line at 1-800-433-3966. Both reach the Department's Consumer Services division, which handles insurance complaints directly.

What if I would rather contact them in writing?

Email: [email protected]. Mail: P.O. Box 303351, Montgomery, AL 36130-3351. A written record, whether email or mail, creates a timestamp that can matter if a claims-handling deadline is at issue.

Can I file a complaint without calling first?

Yes. Complaints can be started directly online through the File a Complaint tool at aldoi.gov, without needing to call Consumer Services first.

What should I have ready before I contact them?

Your policy number, claim number, and a short summary of the issue make the first contact faster, whether by phone, email, or the online tool. See what to include in a full complaint for the complete list.