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 commercial property insurance if I already have a business owners policy?

All FAQs

Quick answer: Often not at first. A business owners policy bundles property and liability for smaller accounts. Standalone commercial property is what larger Georgia businesses move to when their property values, income exposure, or multi-location complexity outgrow the packaged policy. A coverage review can confirm which structure fits your business.

Most small and mid-sized Georgia businesses do not need standalone commercial property insurance on top of a business owners policy right away. A business owners policy, often called a BOP, is a packaged policy that bundles commercial property coverage and general liability coverage into a single policy for smaller, lower-risk accounts, typically businesses like retail shops, offices, and small contractors. If a business already carries a BOP, that single policy is already providing the property protection a standalone commercial property policy would otherwise provide.

Businesses tend to move from a BOP to a standalone commercial property policy as they outgrow what a packaged policy is built to handle: property values that exceed a BOP's eligibility limits, business income exposure large enough that the BOP's built-in income coverage falls short of the actual exposure, or multiple locations and a more complex operation than a packaged policy is designed to structure. For example, a single-location coffee shop with modest equipment and inventory usually fits a BOP; that same business after opening a fourth location, adding a commissary kitchen, and pushing its total insured property value past its BOP's limit is a more typical candidate for standalone commercial property coverage.

A standalone commercial property policy also allows more customization, such as scheduling specific high-value equipment, adjusting business income limits location by location, and layering in coverage like equipment breakdown that a packaged BOP may cap or exclude. It does not automatically cover more perils than a BOP: both forms still exclude flood, covered in does commercial property insurance cover flood damage in Georgia, and both leave the underlying legal requirement question the same, addressed in is commercial property insurance required in Georgia.

Which structure fits a given business depends on its property values, its income exposure, and how many locations it operates, information a coverage review is built to evaluate. More detail on how a BOP works is at business owners policy, and on standalone commercial property coverage at commercial property insurance and Georgia commercial property insurance.