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.

What happens if a commercial property on the Alabama coast can't get private wind coverage?

All FAQs

Quick answer: The Alabama Insurance Underwriting Association (AIUA), the state wind pool, is the market of last resort for windstorm and hail coverage in Baldwin and Mobile counties when private carriers decline coastal commercial risk. It covers wind and hail only, so flood and flood-related business income need separate coverage. Available through Olive Cover.

Why coastal commercial wind is hard to place

Private carriers sometimes decline windstorm on coastal Alabama commercial buildings because hurricane losses concentrate so heavily along the coast. That can leave a business owner unable to buy the exact coverage a lender requires to finance the property.

How the wind pool fills the gap

Under Code of Alabama Section 27-1-24, every insurer licensed to write fire and extended-coverage insurance in Alabama must belong to the AIUA as a condition of doing business in the state. That shared-responsibility structure funds the AIUA, which then writes windstorm and hail coverage for eligible commercial property located south of the 31st parallel in Baldwin and Mobile counties - excluding property in areas protected under the Coastal Barrier Resources Act. AIUA's own address lookup confirms exact eligibility for a specific building; the boundary is not the full extent of either county.

What it does not cover

The AIUA covers wind and hail only. Flood, storm surge, and any business income lost because a flood shut the business down are not covered and need separate policies (an NFIP or private flood policy, plus business income coverage). A coastal commercial property can therefore carry a property policy, an AIUA wind policy, and a flood policy at once.

Example

A restaurant on the Baldwin County waterfront, south of the 31st parallel, cannot get windstorm from its property carrier. The AIUA writes the wind coverage, the lender is satisfied, and the owner adds a separate flood policy for the surge risk the wind pool does not touch.

The practical step

Placing coastal commercial coverage means coordinating the property policy, the AIUA wind policy, and flood coverage so nothing is missed. A coverage review can map the pieces for a specific building and lender. See Alabama commercial property insurance, Alabama flood insurance, Alabama commercial insurance, and Alabama business owners policy for more.