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.

How do I verify a commercial insurer is licensed in Alabama?

All FAQs

Quick answer: You can confirm an insurer's Alabama license through the Alabama Department of Insurance (aldoi.gov) or the NAIC's public company lookup. Buying from a licensed, admitted insurer is what gives you access to Alabama's guaranty fund if that company later fails.

You can confirm an insurer's Alabama license through the Alabama Department of Insurance (aldoi.gov) or the NAIC's public company lookup. Buying from a licensed, admitted insurer is what gives you access to Alabama's guaranty fund if that company later fails.