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.

Does a Georgia collector car still need liability insurance?

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Quick answer: Yes. Georgia requires at least 25/50/25 liability on every registered vehicle under O.C.G.A. 33-34-4, including a collector car driven only a few hundred miles a year. That floor is $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Available through Olive Cover.

Yes. A Georgia collector car still needs liability insurance, even one that leaves the garage only a handful of times a year. O.C.G.A. 33-34-4 sets a liability floor for every vehicle registered in Georgia, and a collector car on a specialty policy is still a registered vehicle. The floor is 25/50/25: $25,000 in bodily injury coverage per person, $50,000 per accident, and $25,000 for property damage caused to someone else's car or property.

A 1969 Camaro that goes out twice a month for a cars-and-coffee meetup in Marietta still needs an active liability policy behind its tag. If that car is involved in an accident on the way to a show and someone else is hurt, liability coverage is what pays their medical bills and repair costs, not the collector car's own agreed value coverage.

Liability is usually just one piece of a collector auto policy. Most collector policies pair it with agreed value coverage, which sets a fixed payout for the car itself if it is totaled, instead of the depreciated payout a standard policy would calculate. The liability requirement applies regardless of how the physical damage side of the policy is structured.

Collector policies also come with conditions that a standard personal auto policy does not carry. Georgia collector policies typically limit driving to pleasure use, shows, and club events with an annual mileage cap, and underwriters generally expect the car to sit in secure, enclosed storage when it is not on the road. None of those conditions replace the liability requirement. A car that is driven rarely and stored carefully still needs to meet Georgia's 25/50/25 floor to be legally on the road.

For a broader look at how liability fits into a full auto insurance policy, including how it interacts with collision and uninsured motorist coverage, the auto insurance overview covers the mechanics in more depth. Collector coverage is written through a narrower set of carriers than standard auto policies; American Modern and Progressive are carriers that write Georgia collector auto policies and are available through Olive Cover. A free coverage review can confirm that a specific vehicle's liability limits, agreed value, and use restrictions are all lined up correctly on one policy.