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 jewelry insurance?

All FAQs

Quick answer: No. Georgia has no statute requiring jewelry insurance or setting a minimum coverage limit. Jewelry coverage is voluntary, governed by O.C.G.A. Title 33. A standard homeowners or renters policy caps jewelry theft at a low sub-limit, commonly about $1,500, and anything above that needs a scheduled-articles rider or a standalone jewelry policy.

No. Georgia has no statute that requires jewelry insurance or sets a minimum coverage amount for it. Jewelry coverage is voluntary and falls under the general insurance framework of O.C.G.A. Title 33, the same title that governs auto and homeowners coverage in the state, but no section of it mandates jewelry protection specifically.

That does not mean jewelry is automatically protected at full value. A standard homeowners or renters policy already includes some coverage for personal property, including jewelry, but that coverage carries a low sub-limit for theft, commonly around $1,500 total. The cap applies across everything you own in that category, not per item. A homeowner with a $2,000 engagement ring and a $600 gold bracelet has $2,600 in jewelry value but a policy that pays out at most $1,500 if both are stolen.

Because the law leaves this voluntary, the decision to close that gap sits entirely with the policyholder. The two common paths are a scheduled-articles rider added to an existing homeowners or renters policy, or a standalone jewelry policy purchased separately. Both work by "scheduling" the item, meaning the piece is listed individually with its own agreed value, rather than lumped into the policy's general theft sub-limit. A jeweled watch appraised at $4,000 and scheduled at that value is covered for $4,000 if it is stolen or damaged, independent of what else the policyholder owns.

Georgia's silence on a minimum also means there is no statutory floor to compare against when deciding how much coverage makes sense for a given collection. That comparison is specific to what someone owns, where they keep it, and how it is used day to day, which is the kind of individualized question a coverage review is built to answer rather than a general article.

More detail on how jewelry coverage works in Georgia specifically, including carrier options, is available on the jewelry insurance and Georgia jewelry insurance pages. For the exact dollar figures involved, see how much a Georgia homeowners policy covers for jewelry and what it costs to insure jewelry in Georgia. To see how the numbers apply to a specific piece, a coverage review walks through the appraisal and the carriers available through Olive Cover.