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.

How do I cancel my insurance policy?

Cancellation is a written request to the carrier with a specific date, usually 14 days notice. Most carriers refund unused premium pro rata. Never cancel before the new policy is in force.

What commercial coverage do Georgia businesses need beyond a business package policy and general liability?

Beyond a business package policy and general liability, the most common Georgia specialty commercial needs are commercial umbrella, inland marine, cyber, and management liability.

Do I have to use the carrier’s preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

General FAQs

Are the carriers you work with reputable and financially sound?

All FAQs

Quick answer: The carriers we place business with are admitted, licensed, and regulated by your state insurance department, and you can verify any insurer with the state.

What does it mean for a carrier to be admitted in your state?

Every carrier we work with is admitted in the states we operate in. That means the state’s insurance department (Georgia’s is the Office of Commissioner of Insurance, or OCI) has reviewed the company, confirmed it meets the state’s solvency requirements, and issued it a license to write policies there. Admitted status is not a one-time clearance. The OCI monitors licensed carriers on an ongoing basis and can suspend or revoke a license if a company falls out of compliance.

Why does admitted status matter for policyholders?

State admission matters in two concrete ways. First, an admitted carrier’s policy forms and rates are filed with and approved by the state’s insurance department before they reach consumers, so there are no surprise terms buried in non-standard language. Second, a state insurance guaranty association (Georgia’s is the Georgia Insurance Guaranty Association) covers admitted-carrier policyholders if an insurer becomes insolvent and cannot pay claims, up to the statutory limits set by state law. That backstop does not apply to non-admitted (surplus lines) carriers. Learn more about the distinction in our guide on admitted vs. non-admitted carriers.

How can I verify a carrier’s standing in your state?

You can verify a carrier’s status yourself at any time. Most state insurance departments maintain a free public company search; Georgia’s OCI has one at oci.georgia.gov that shows whether any insurer is currently licensed and in good standing. Searching by company name or NAIC number returns the license status, license type, and any administrative actions on record. No account or login is required.

What factors go into carrier selection beyond admitted status?

Beyond admitted status, several practical factors go into whether a carrier is the right fit for a specific risk. Understanding how we choose which carrier to place you with clarifies the process.

Underwriting appetite. Underwriting appetite determines which property types and risk profiles a carrier focuses on. A carrier that specializes in a particular state’s homeowners market is more likely to offer complete, stable coverage than one writing that category as a secondary line.
Claim handling geography. A carrier with active claims operations in your state handles weather-related and local claims more efficiently than one treating your state as a marginal market.
Policy form completeness. Two admitted carriers can have very different policy forms. Exclusions, sub-limits, and endorsement availability vary, and those differences show up at claim time, not at renewal.
Renewal stability. Some carriers exit markets or non-renew large books of business after a loss event. A carrier’s track record in a state is a practical factor, separate from any financial rating.

For example, a carrier that writes coastal property as a primary line has a different risk tolerance and claims infrastructure than one that added coastal coverage as a competitive response to market demand. That distinction matters when a major storm hits and thousands of claims arrive at once.

Does working with an independent agency affect which carriers are available?

An independent agent places business with multiple carriers rather than one, so the selection process starts with your specific property, risk profile, and coverage needs. The difference between a carrier and an agent is worth understanding when comparing shopping options.

For example, a homeowner with a metal roof, a detached workshop, and a pool may not fit the standard appetite of a carrier that writes primarily suburban homes. An independent agent identifies which admitted carriers actually write that combination in your state rather than placing the policy with whoever offers a quote.

None of these factors reduce to a single score or grade. What matters is whether the carrier is licensed, solvent under OCI oversight, and a genuine fit for your specific coverage needs. A coverage review with a licensed advisor is where those questions get answered for your actual situation. Request a coverage review to get matched with a carrier that meets both the regulatory baseline and your coverage requirements.