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 Georgia law require farm or rural property insurance?

All FAQs

Quick answer: No. Georgia has no law that mandates farm or rural property coverage. But a Georgia farm with three or more employees must carry workers' compensation (O.C.G.A. 34-9-2(a)(2)), and a lender or a federally backed mortgage in a FEMA flood zone can require specific coverage. A coverage review confirms what applies to your property.

Georgia has no statute requiring farm or rural property insurance. That answer covers the buildings, equipment, and land themselves. Two related legal triggers can still apply on the same property. First, under O.C.G.A. 34-9-2(a)(2), a Georgia farm operation with three or more employees must carry workers' compensation coverage, regardless of whether the operation carries any property insurance at all. Second, a lender financing the farmhouse, barn, or equipment, or a mortgage backed by a federal program, can require specific coverage as a condition of the loan, particularly flood insurance when a structure sits inside a FEMA-mapped Special Flood Hazard Area.

Example: a Cherokee County landowner with a 40-acre hobby farm and no paid staff faces no state mandate to insure the barn or equipment. The neighbor next door, who employs four full-time farmhands to run a produce operation, is required by Georgia law to carry workers' compensation for those employees even if the farmhouse itself is uninsured.

The absence of a law does not mean insurance is optional in practice. A farm without property coverage sits exposed to uninsured loss from fire, wind, theft, or equipment breakdown, and structures financed by a mortgage in a flood zone typically carry a separate flood-insurance requirement written into the loan documents, since standard property policies exclude flood damage. Flood insurance explains why that gap exists and what a National Flood Insurance Program policy adds on top of a farm policy.

What applies to a specific property depends on employee count, loan terms, flood-zone designation, and the mix of buildings, livestock, and equipment on site. A coverage review checks those factors against a specific property and lender file. General background on how farm and rural property insurance works, and the Georgia-specific version of that coverage, cover what a typical policy includes for dwellings, outbuildings, and liability. Related reading: when a farm policy replaces homeowners coverage in Georgia, what happens when a coastal Georgia farm cannot get private wind coverage, and rights when a Georgia insurer delays a farm claim.