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 require contractors to carry inland marine insurance?

All FAQs

Quick answer: No. Georgia has no line-specific statute or Office of Commissioner of Insurance and Safety Fire rule that regulates inland marine coverage. It is a generic national commercial product. Georgia contractors and equipment-heavy businesses typically add it once tool and equipment values exceed what a standard commercial property policy covers at a fixed location.

Georgia does not require contractors to carry inland marine insurance. There is no statute in the Georgia Insurance Code and no rule from the Office of Commissioner of Insurance and Safety Fire that regulates or mandates this coverage. Inland marine is a general commercial insurance product sold nationwide, not a Georgia-specific requirement like auto liability or workers' compensation.

That does not mean the coverage is unnecessary in practice for every contractor. Inland marine insurance protects tools, equipment, and materials that move between job sites, which a standard commercial property policy typically does not cover once those items leave a fixed business address. A commercial property policy is written around a location: the shop, the warehouse, the office. Equipment sitting in a truck bed or on a job site overnight often falls outside that policy's reach.

Example: a Georgia electrical contractor who owns a $40,000 diesel generator that travels between three active job sites has no statutory obligation to insure it under an inland marine floater (a policy that follows movable property rather than a fixed address). If that generator is stolen from a job site trailer overnight, a location-based commercial property policy may deny the claim because the property was not at the insured address when the loss happened. An inland marine floater written for that generator would respond regardless of which site it was parked at.

Contractors and equipment-heavy businesses in Georgia typically add inland marine coverage once the value of tools and mobile equipment exceeds what their commercial property policy protects away from the shop, since off-premises property is often subject to a sublimit lower than the equipment's actual value. General liability insurance does not fill this gap either, since it responds to injuries and damage a contractor causes to others, not to loss of the contractor's own equipment; see do Georgia contractors need inland marine if they already have general liability for more on that distinction.

Pricing and structure for Georgia contractor equipment floaters are covered in what does inland marine insurance cost for a Georgia contractor. Because there is no state mandate, the decision turns on the value of equipment at risk and how much of that value a current commercial property policy actually protects away from the shop. A coverage review compares a contractor's existing property policy against actual equipment values to identify that gap. More detail on how inland marine works for Georgia businesses specifically is on the Georgia inland marine insurance page.