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.

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, that pays 100 percent of the cost of wind mitigation up to 10,000 dollars to bring an existing, owner-occupied, single-family home up to the FORTIFIED Roof standard (any cost above that is the homeowner's responsibility). It is administered by the Alabama Department of Insurance's Office of Risk and Resilience and funded by the Alabama insurance industry, not the state general budget. Program availability is county-limited, and rentals, condos, and mobile homes are not eligible. A FORTIFIED roof can also lower your wind-insurance premium and deductible. Details and the current county list are at strengthenalabamahomes.com.

Yes. Alabama runs a state grant program, Strengthen Alabama Homes, that pays 100 percent of the cost of wind mitigation up to 10,000 dollars to bring an existing, owner-occupied, single-family home up to the FORTIFIED Roof standard (any cost above that is the homeowner’s responsibility). It is administered by the Alabama Department of Insurance’s Office of Risk and Resilience and funded by the Alabama insurance industry, not the state general budget. Program availability is county-limited, and rentals, condos, and mobile homes are not eligible. A FORTIFIED roof can also lower your wind-insurance premium and deductible. Details and the current county list are at strengthenalabamahomes.com.