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 Georgia law require boat insurance?

All FAQs

Quick answer: No. Georgia does not require liability insurance on a recreational boat. The actual requirements are registration with the Georgia Department of Natural Resources for any motorized vessel on state waters, and, for anyone born on or after January 1, 1998, a DNR-approved boater education course (O.C.G.A. Section 52-7). Because there is no insurance mandate, uninsured boaters are common, which is why uninsured boater coverage matters.