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 use a landlord policy for a Georgia Airbnb or VRBO?

All FAQs

Quick answer: No. A standard landlord policy usually excludes short-term rental use. A nightly or weekend rental in Georgia needs a short-term-rental endorsement or a dedicated short-term rental policy.

A standard landlord policy does not cover a Georgia property operated as an Airbnb or VRBO. Landlord policies are underwritten around long-term tenancy, typically a lease of six months or a year, with one household occupying the unit for an extended period. Short-term rental use, meaning stays booked by the night or week through a platform like Airbnb or VRBO, falls outside that underwriting assumption and is excluded on most landlord policy forms.

The exclusion exists because short-term rental turns over occupants far more often than a standard lease, which raises the frequency of claims tied to guest behavior, theft, and liability incidents. A carrier pricing a landlord policy around one tenant per year is not pricing for dozens of different guest groups cycling through a property annually, so the risk does not match the policy that was sold.

A Georgia owner who lists a rental cabin near Blue Ridge or Helen on Airbnb, then has a guest cause a kitchen fire during a weekend stay, may find the landlord carrier denies the claim outright, citing the short-term rental exclusion, even though the same fire would have been covered under a long-term lease.

Closing that gap requires either adding a short-term-rental endorsement to an existing policy or replacing it with a dedicated short-term rental policy. A short-term-rental endorsement adds coverage for nightly and weekly bookings onto certain landlord or homeowners policies, where the carrier offers it. A dedicated short-term rental policy is a separate product built for Airbnb and VRBO-style use, covering guest liability and property damage from guest occupancy, and in some cases lost booking income if a covered loss takes the listing offline. The endorsement option is not offered by all carriers, and availability depends on the insurer and the property type.

A policy written for one use does not automatically extend to the other, so a host switching between long-term and short-term use in the same year can end up with a coverage gap during the uncovered period. Olive Cover's short-term rental insurance page covers how that coverage is structured, and the landlord insurance page covers the long-term-lease side of the comparison. Related questions cover whether landlord insurance is required by law in Georgia and what form a Georgia landlord policy is written on. If a short-term rental claim that should be covered gets denied, the same Georgia demand process under O.C.G.A. Section 33-4-6 applies; see what happens if a Georgia carrier refuses to pay a covered landlord claim. A coverage review can confirm which structure fits a specific rental pattern.