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 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.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

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.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

Can I drive my classic car daily in Georgia on a collector policy?

All FAQs

Quick answer: No. Georgia collector policies restrict use to pleasure driving, shows, and club events, and cap annual mileage, commonly 2,500 to 7,500 miles. Using the car as a daily commuter can trigger a regular use exclusion and give the insurer grounds to dispute a claim.

No. A Georgia collector policy does not cover daily driving. These policies are written for pleasure driving, car shows, and club events, and they cap annual mileage, commonly somewhere between 2,500 and 7,500 miles a year depending on the carrier.

The mileage cap and use restriction exist because the policy's pricing assumes the car spends most of its time parked, not commuting through daily traffic. If a car insured this way is instead used as a daily driver, the insurer can point to a regular use exclusion, meaning the policy specifically excludes claims that happen while the car is being used outside the agreed pleasure-use pattern.

For example, someone insures a 1972 Corvette on a collector policy and then starts driving it to work most weekdays, racking up 12,000 miles in a year, well past a 5,000-mile cap. If that car is rear-ended during the commute, the insurer has grounds to dispute the claim, because the actual use of the vehicle does not match what the policy was written to cover. That dispute can happen even if the accident itself was not the driver's fault.

A car used for regular transportation is generally better matched to a standard auto insurance policy rather than a collector policy, since standard policies are priced and underwritten for everyday use without a mileage cap. The mileage and use restriction is separate from the agreed value portion of a collector policy and separate from the Georgia liability minimum, which still applies regardless of how the car is used. Collector policies also generally require the car to be kept in secure, enclosed storage between uses, which is difficult to maintain for a car driven daily.

Because the line between occasional pleasure use and regular use can be specific to the carrier, a coverage review is one way to match how a car is actually driven to the right policy type. American Modern and Progressive both write Georgia collector policies and are available through Olive Cover, alongside standard auto options for vehicles used more regularly.