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 my business to carry cyber liability insurance?

All FAQs

Quick answer: No. Georgia has no law requiring a private business to buy cyber liability insurance. What Georgia does require, under the Personal Identity Protection Act (O.C.G.A. Sec. 10-1-910 through 10-1-912), is that a business notify affected residents after a data breach, regardless of the company size. Cyber insurance pays for meeting that duty.

No. Georgia has no statute that forces a private business to buy cyber liability insurance, the coverage that responds when a business's computer systems or customer data are compromised. There is no minimum limit, no state-mandated policy form, and no licensing requirement tied to carrying it, unlike auto liability coverage for vehicles on Georgia roads.

What Georgia law does impose is a duty to act after a data breach happens. The Personal Identity Protection Act, O.C.G.A. Sec. 10-1-910 through 10-1-912, requires a business of any size to notify affected Georgia residents once it discovers that personal information, such as a Social Security number or a payment card number combined with a name, has been accessed without authorization. That notice duty applies whether the business has one employee or a thousand, and it applies whether or not the business carries insurance. What Georgia's Personal Identity Protection Act requires after a breach covers the notification timeline and the threshold for notifying the Georgia Attorney General.

A cyber liability policy does not create the legal duty; it pays for meeting it. For example, a Marietta dental practice that stores patient records on a cloud server discovers a ransomware attack that locked those files. Georgia law requires the practice to notify every affected patient, even if the practice has no cyber policy at all. A cyber policy, if the practice carries one, would typically pay for the forensic investigation to determine what was accessed, the cost of mailing notification letters, credit monitoring for affected patients, and legal counsel to manage the response. Without that coverage, the practice pays those costs directly out of its own funds while the legal obligation stays the same either way.

Standard commercial policies often do not fill this gap. A Business Owners Policy bundles property and general liability coverage but typically does not cover data breach response, ransomware payments, or the notification costs PIPA creates - cyber exposure is usually addressed through a standalone policy or an endorsement. How much cyber liability insurance costs for a Georgia small business breaks down typical premium ranges. More detail on what a Georgia-specific cyber policy can include is on the Georgia cyber liability insurance page, and a coverage review can show what a business's current policies actually cover and where the PIPA notification gap sits.