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 general liability cover alcohol-related claims in Georgia?

All FAQs

Quick answer: Usually not. Almost every general liability policy excludes claims arising from serving or selling alcohol, so a separate liquor liability policy is what responds to a Georgia dram shop claim.

Usually not. Almost every general liability policy excludes claims that arise from serving or selling alcohol, and that exclusion applies no matter what type of business is pouring the drink. A caterer, event venue, food truck, or brewery taproom faces the same gap as a traditional bar: general liability insurance pays for bodily injury or property damage to a third party, but the standard alcohol exclusion removes coverage for anything connected to serving alcohol.

A separate liquor liability policy is what responds to a Georgia dram shop claim, meaning a claim brought under Georgia's dram shop law, which can hold a business liable for harm caused by a person it served alcohol to while that person was visibly intoxicated, under O.C.G.A. 51-1-40. The mechanics of that law, and a full worked example involving a restaurant, are covered in Does general liability cover liquor liability for a Georgia bar or restaurant?

For example, a catering company serving alcohol at a wedding reception overserves a guest who then causes a car accident driving home. Even though catering is the company's main business and alcohol service is a small part of a single event, the resulting claim traces back to serving alcohol, so a standard general liability policy will typically exclude it. Liquor liability, described at Liquor Liability Insurance, fills that gap, and it can often be added even for businesses that only serve alcohol occasionally, such as at catered events rather than a fixed bar.

The exclusion applies broadly across event-based and hospitality businesses, not only to establishments with a liquor license posted on the wall. Any Georgia business whose operations include serving, selling, or providing alcohol, even as an add-on to another service, carries this exposure alongside its general liability coverage.

A coverage review can confirm whether a current general liability policy carries an alcohol exclusion and whether the type and frequency of alcohol service calls for a standalone liquor liability policy or an event-specific endorsement. Liquor liability coverage is available through Olive Cover for businesses in Georgia and Alabama; see the full carrier list for carriers that write this coverage.