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.

Does general liability cover liquor liability for a Georgia bar or restaurant?

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Quick answer: Standard general liability commonly excludes claims tied to serving alcohol. Under Georgia's dram shop law, a business that serves a noticeably intoxicated person can be liable when that person later causes harm (O.C.G.A. 51-1-40). A business that sells or serves alcohol typically needs separate liquor liability coverage, because the general liability policy will not respond.

Standard general liability commonly excludes claims tied to serving alcohol, so a Georgia bar or restaurant typically needs a separate liquor liability policy to cover that exposure. General liability insurance pays for bodily injury or property damage a business causes to a third party, but most policies carry an alcohol exclusion that removes coverage for claims connected to serving or selling alcoholic beverages.

That gap matters in Georgia because of the state's dram shop law, a legal rule that can hold a business responsible when it serves a visibly intoxicated person who then goes on to hurt someone else. Under O.C.G.A. 51-1-40, a business that sells or serves alcohol to a person who is noticeably intoxicated can be liable for the harm that person later causes, whether that is a car accident, an assault, or another injury to a third party.

For example, a Georgia restaurant serves a customer several drinks past the point of visible intoxication. That customer leaves, drives, and causes a crash that injures another driver. The injured driver can bring a dram shop claim against the restaurant under O.C.G.A. 51-1-40. Because the claim traces back to serving alcohol, the restaurant's general liability policy will typically deny it under the alcohol exclusion. A liquor liability policy, described at Liquor Liability Insurance, is written specifically to respond to dram shop claims like this one.

This exposure is not limited to full-service bars. Any Georgia business that pours, sells, or serves alcohol, including a restaurant with a beer and wine license, faces the same gap between what general liability covers and what a dram shop claim requires. A related question covering a broader group of businesses, including caterers and event venues, is answered in Does general liability cover alcohol-related claims in Georgia?

Because liquor liability is underwritten separately from general liability, a bar or restaurant carrying only a standard general liability policy is exposed on this specific type of claim. A coverage review can check whether an existing policy carries an alcohol exclusion and whether a liquor liability policy is needed alongside it. Liquor liability coverage is available through Olive Cover, working with carriers that include Hanover, CNA, Travelers, and Berkley Aspire, for businesses in Georgia and Alabama; see the full carrier list for details.