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 mobile home insurance cover flood damage in Georgia?

All FAQs

Quick answer: No. Flood is excluded on every mobile home policy. Federally backed flood coverage comes through the NFIP, run by FEMA. A federally backed mortgage on a home in a FEMA Special Flood Hazard Area requires it, and inland Georgia has flash-flood risk too.

No. Every mobile home insurance policy sold in Georgia excludes flood damage, meaning rising water from a river, creek, storm surge, or heavy rain overwhelming drainage is not a covered loss under the standard policy, no matter which carrier writes it. This isn't a gap specific to one insurer; flood is a standard exclusion across the property insurance market, for site-built homes and manufactured homes alike, including every Georgia mobile home insurance policy.

Flood coverage comes from a separate, federally backed program: the National Flood Insurance Program (NFIP), run by the Federal Emergency Management Agency (FEMA). A mobile or manufactured home owner buys an NFIP policy, or in some areas a private flood policy, alongside the standard mobile home policy, not as part of it. The two policies respond to different perils: the mobile home policy covers wind, fire, theft, and liability, while the flood policy covers rising water.

Whether flood coverage is required depends on the home's flood zone and how it's financed. A home located in a FEMA-designated Special Flood Hazard Area (the zone with at least a 1 percent annual chance of flooding, commonly called the 100-year floodplain) and financed with a federally backed or federally regulated mortgage must carry flood insurance as a condition of that loan. A home in the same flood zone bought with cash, or financed through a lender that isn't federally regulated, carries no legal requirement to buy it, even though the flood risk itself hasn't changed.

Flood risk in Georgia isn't limited to the coast. Inland counties see flash flooding from heavy rainfall overwhelming creeks and drainage systems, and a manufactured home's typically lower floor height compared to a site-built house on a raised foundation can put it at greater risk from even a modest rise in water. Example: a manufactured home set on a slab a few inches above grade near a creek in a Middle Georgia county can take on water in a heavy rain event even outside a mapped flood zone, since FEMA flood maps show mapped risk, not a guarantee of no risk elsewhere.

For wind-specific coverage questions on the coast, see what happens if my coastal Georgia manufactured home is declined for wind coverage. A coverage review can confirm a specific address's flood zone and whether NFIP or private flood coverage fits alongside the mobile home policy. Start a coverage review or see current carriers offering coverage in Georgia.