Is RV insurance required in Georgia?

Yes for motorized RVs in Georgia (liability matches state auto minimums). Travel trailers borrow from the towing vehicle. Specialty RV coverage strongly recommended for physical damage and personal effects.

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 homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

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.

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.

Does my landlord's insurance cover my belongings in Alabama?

All FAQs

Quick answer: No. A landlord's policy covers the building and the landlord's own liability, not a tenant's personal belongings or personal liability. That gap is what a renters policy fills. Alabama law does not require either party to carry it; a lease requirement comes from the landlord, not the state.

Does a landlord's policy cover a tenant's belongings?

No. A landlord's policy covers the building and the landlord's own liability, not a tenant's personal belongings or personal liability. That gap is exactly what a renters policy fills.

Is Alabama renters insurance required by law?

Alabama law does not require a landlord to carry insurance or a tenant to buy renters insurance. Where a lease requires renters insurance, that requirement comes from the landlord or property manager, not the state.

Example

A pipe bursts in a Mobile apartment and damages a tenant's furniture and electronics. The landlord's policy pays to repair the building, but not the tenant's ruined belongings. Without a renters policy, that tenant pays out of pocket to replace everything.

What should a renter check?

A coverage review can confirm whether your lease requires renters insurance and what a policy would cost for your belongings. See Alabama renters insurance for more.