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.

Is Lake Lanier or Lake Allatoona property insurance different?

All FAQs

Quick answer: Lakefront and near-lake properties on Lake Lanier (Forsyth County) and Lake Allatoona (Cherokee County) carry flood exposure a standard homeowners policy does not cover, and Forsyth County's arts, entertainment, and recreation sector -- tied largely to Lake Lanier -- employs 1.58 times the national share.

A standard homeowners policy never covers flood, and that applies to lakefront and near-lake properties the same as it applies to a river-corridor property. Lake Lanier sits on the southeastern edge of Forsyth County, and Lake Allatoona runs along Cherokee County's western edge - both add flood exposure that requires a separate NFIP or private flood policy to close.

The lake economy also shapes the business side of this corridor: Forsyth County's arts, entertainment, and recreation sector employs 1.58 times the national share, tied significantly to Lake Lanier recreation and tourism (U.S. BLS QCEW 2024).

Example: A lakefront property on Lake Lanier assumes its homeowners policy covers rising water because the policy is comprehensive on paper. A storm pushes lake levels up and floods the lower level. The homeowners policy pays nothing for that loss - a separate flood policy would have been the only coverage that responded.