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.

Does Alabama law require boat owners to carry liability insurance?

All FAQs

Quick answer: No. Alabama has no statute requiring boat owners to carry liability insurance. Registration (an Alabama Certificate of Number) and titling for some vessels are the actual requirements. Because there is no insurance mandate, uninsured boaters are common, which is why uninsured boater coverage matters.

Does Alabama law require boat owners to carry liability insurance?

No. Alabama has no statute requiring boat or watercraft owners to carry liability insurance.

What does Alabama actually require for a boat?

Registration, an Alabama Certificate of Number, and, for newer or larger vessels, titling under Act 2022-144, are the actual state requirements, and neither is insurance.

Why does insurance matter anyway?

Because Alabama has no mandate, uninsured boaters are common, which is exactly why uninsured boater coverage matters on an Alabama boat policy even though the state does not require it. A collision with an uninsured boater on Lake Martin or Smith Lake can leave real damage with no other party's insurance to cover it.

What should a boat owner check?

A coverage review can confirm the right liability and uninsured-boater limits for a specific vessel. See Alabama boat insurance for more.