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.

Do I need a special license to ride a motorcycle in Georgia?

All FAQs

Quick answer: Yes. Georgia requires a Class M endorsement on your driver's license to operate a motorcycle on public roads (O.C.G.A. Section 40-6-315). Riding without it can void coverage on a claim.

Yes. Georgia requires a Class M endorsement on your driver's license before you can legally operate a motorcycle on public roads, under O.C.G.A. Section 40-6-315. A standard Class C license, the one most drivers hold for a car, does not cover motorcycle operation by itself.

A Class M endorsement is an addition to your existing license, not a separate license. It gets added by passing a written knowledge test and a riding skills test through the Georgia Department of Driver Services, or by completing an approved motorcycle rider safety course, which in some cases waives the skills test. Riders under 18 have additional requirements, including a learner's permit period specific to motorcycles.

Riding without the endorsement is a traffic violation on its own, but it also creates a problem at claim time. Motorcycle insurance policies generally require the operator to hold a valid license for the vehicle being insured. If a rider is in a crash without a Class M endorsement, an insurer reviewing the claim may treat the missing endorsement as a licensing issue that affects how the claim is handled. For example, a rider who has driven cars for years but never added the Class M endorsement, and who is involved in an at-fault crash on their motorcycle, may find the insurer questioning coverage specifically because the operator was not properly licensed for that vehicle class.

This is separate from helmet compliance, which is its own legal requirement covered in does Georgia require motorcycle riders to wear a helmet. Both the license endorsement and the helmet law apply every time a motorcycle is on the road, regardless of trip length or road type.

Licensing status is one of several details an insurer looks at when writing a motorcycle policy in Georgia. For a full picture of how Georgia motorcycle coverage works, see Georgia motorcycle insurance and the general motorcycle insurance overview. Riders who are unsure whether their current license and policy are properly aligned can confirm the details through a coverage review.