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.

Can Alabama help me pay to strengthen my home against storms?

All FAQs

Quick answer: Yes. Alabama runs a state grant program, Strengthen Alabama Homes, paying 100 percent of wind mitigation costs up to $10,000 to bring an eligible home up to the FORTIFIED Roof standard. Program availability is county-limited; rentals, condos, and mobile homes are not eligible.

Strengthen Alabama Homes is a state grant that pays up to $10,000 - 100% of the cost - to retrofit a home to the FORTIFIED standard, a construction standard built to survive high wind. A fortified roof can also lower a wind-insurance premium. The program is county-limited and funded by the insurance industry, not taxes.

What does the grant actually pay for?

The Alabama Department of Insurance's Office of Risk and Resilience states it directly: "Grants will pay 100% of the cost of mitigation up to $10,000... costs above the grant award amount of $10,000... will be the responsibility of the homeowner." The program is funded by the Alabama insurance industry, not by tax dollars, and covers an existing, owner-occupied, single-family home - it excludes rentals, townhomes, condos, and mobile homes.

What does "FORTIFIED" mean?

FORTIFIED is a construction standard for roofs and homes designed to better withstand high wind - stronger roof-deck attachment, sealed roof edges, and impact-resistant materials, among other requirements, verified against a published standard rather than a marketing label.

Where is the grant available?

Strengthen Alabama Homes has funded grants in Mobile and Baldwin counties since 2015. The program now includes Jefferson, Tuscaloosa, and Escambia counties as well, effective November 4, 2025. That is an expansion of the counties served, not statewide availability - a homeowner outside these five counties should confirm current eligibility before assuming the grant applies.

Does a fortified roof affect the insurance premium?

A FORTIFIED designation can reduce the wind portion of a homeowners premium, since it reflects underwriting rewarding a home built to withstand wind better than standard construction - and FORTIFIED homes in Mobile and Baldwin counties see a measurable resale premium too, selling for about 6.8% more than comparable non-FORTIFIED homes (University of Alabama study of Mobile and Baldwin county home sales).

Example: a Baldwin County homeowner uses a Strengthen Alabama Homes grant to install a fortified roof; the upgrade both hardens the home against hurricane wind and can lower the wind portion of the premium going forward.

See how Alabama homeowners coverage works and why coastal Alabama homes cost more to insure. See also Alabama insurance requirements. A coverage review can confirm current program eligibility for a specific county.