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 homeowners insurance cover a business run from my Georgia home?

All FAQs

Quick answer: Only in a limited way. A standard Georgia homeowners policy caps business property at a low sublimit (commonly around $2,500) and excludes business liability. Stolen work equipment above that cap, or a client injured because of your work, is not covered. Home business insurance, through an endorsement, a BOP, or standalone policies, fills the gap. A free coverage review shows which fits your situation.

A standard Georgia homeowners policy covers a home-based business only in a limited way. Most homeowners policies include a sublimit - a capped dollar amount - for business property kept in the home, and that cap is commonly around $2,500. Business liability, meaning a claim from a client, vendor, or delivery driver injured because of the business, is excluded from the policy's personal liability section entirely.

Example: a home graphic designer keeps two monitors, a color printer, and a laptop in a spare bedroom, worth roughly $6,000. A break-in takes all of it. The homeowners policy's business-property sublimit caps the payout near $2,500, leaving thousands of dollars unreimbursed. If a client visiting for a portfolio review tripped on a loose rug and was hurt, the homeowners liability section would not respond at all, because injuries tied to business activity fall outside personal liability coverage.

Three paths close that gap. An in-home business endorsement adds a set, modest amount of business-property and liability coverage directly onto the homeowners policy and fits a solo operation with light equipment and no regular client visits. A business owners policy (BOP), a separate commercial policy bundling commercial property, general liability, and business income (the income a business loses while it cannot operate after a covered loss), fits an operation with real inventory, specialized equipment, or regular client walk-ins. More on how those two options differ is in what is the difference between a home business endorsement and a BOP in Georgia.

The gap is not limited to theft and slip-and-fall claims. A home business that stores inventory or equipment also carries flood exposure that a standard policy excludes - see is flood damage to a home business covered in Georgia. Georgia does not set a statewide minimum coverage requirement for home businesses the way it does for auto liability, so the right combination of endorsement, BOP, or standalone policy depends on the equipment value, inventory, and how often clients or vendors come to the property. A coverage review can walk through what a specific home business currently has and where the gaps sit.