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 my personal auto policy cover deliveries for my Georgia home business?

All FAQs

Quick answer: Often not. Personal auto policies can deny claims for business use, such as a home caterer delivering orders. Commercial auto covers those trips. Georgia's minimum auto liability is 25/50/25 (O.C.G.A. 33-34-4). A coverage review can confirm whether your driving needs commercial auto.

Often not. A personal auto policy is written to cover commuting and personal errands, and many personal auto insurers can deny a claim once the trip is shown to be business use, such as a home caterer delivering catering orders or a home bakery running boxes of product to a client's event.

Example: a home caterer drives a personal SUV to deliver a catering order and rear-ends another vehicle at a stoplight. If the insurer determines the trip was a business delivery, it can deny the claim for both the liability portion (damage and injuries to the other driver) and the physical damage to the caterer's own vehicle, leaving the caterer to pay out of pocket for both.

Commercial auto insurance is built for exactly that kind of trip. It covers vehicles used for business purposes, including regular deliveries, client visits, and hauling equipment or inventory, without the business-use exclusion that a personal policy carries. Georgia's minimum auto liability requirement is 25/50/25 under O.C.G.A. 33-34-4, meaning $25,000 per person and $50,000 per accident in bodily injury liability, plus $25,000 in property damage liability. That minimum applies to any vehicle on Georgia roads, personal or commercial, though a commercial policy's actual limits are set based on the vehicle and how it is used.

Not every home business trip counts as business use in the same way. A dog walker who occasionally drives a client's dog to the vet has different exposure than a caterer who delivers orders several times a week, and insurers evaluate frequency and purpose differently. The broader coverage picture for a Georgia home business, including how a homeowners policy treats business property and liability, is covered in does homeowners insurance cover a business run from my Georgia home. If a claim involving a business trip is ever denied, the options for pushing back are outlined in what can I do if a Georgia insurer denies my home business claim.

A coverage review can confirm whether a specific driving pattern, delivery frequency, or vehicle use crosses into territory a personal auto policy will not cover.