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 horse owners to have equine insurance?

All FAQs

Quick answer: No. Georgia does not mandate equine insurance; it is optional coverage. Georgia's Equine Activities Liability Act (O.C.G.A. 4-12-1 and following) limits certain lawsuits, but it does not pay for a horse's death or vet bills. A coverage review can match limits to your horse's value and use.

Georgia does not require horse owners to carry equine insurance. Coverage is optional, the same way homeowners insurance is optional unless a mortgage lender requires it as a condition of the loan.

Georgia's Equine Activities Liability Act, O.C.G.A. 4-12-1 and following, gets confused with an insurance mandate because it is the main horse-specific law on the books. It is not an insurance requirement. The Act limits who can sue a stable, riding instructor, or event sponsor over injuries that come from the ordinary risks of being around horses, covered in detail in does Georgia law protect stables and horse professionals from lawsuits. It changes who can be held liable in court. It does not pay a veterinary bill, replace a horse that dies, or reimburse a stolen saddle.

### Two different problems, two different tools

Legal protection and financial protection are separate. The Act narrows the situations where a lawsuit succeeds. It has no bearing on what happens to the horse itself or to the owner's wallet after an illness, injury, or death. That gap is filled by mortality coverage, which pays the insured value if a horse dies from a covered cause, and major medical coverage, which reimburses veterinary bills for illness or injury up to a set limit. Both are described on the equine insurance page.

Example: A boarding stable owner in Forsyth County has a horse valued at $20,000. The horse is diagnosed with a twisted intestine and needs emergency colic surgery. The Equine Activities Liability Act has nothing to do with this situation; no one is suing anyone. Without a mortality and major medical policy, the owner covers the full veterinary bill out of pocket, and absorbs the full loss if the horse does not survive. With that coverage in place, the policy pays toward the vet bill, and pays out based on the insured value on file if the horse dies.

Standard homeowners insurance is not built to fill this gap either. See does homeowners insurance cover a horse in Georgia for how that exclusion typically works, and how much does equine insurance cost in Georgia for premium ranges by coverage type.

A coverage review can match limits to a horse's value and use, whether the horse is a backyard pleasure mount or a competition animal. Schedule a coverage review to see what fits a specific situation.