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 the building owner's policy cover a tenant's belongings?

All FAQs

Quick answer: No. The owner's habitational policy covers the building and the owner's liability, not tenants' personal property. Tenants insure their own furniture, electronics, and clothing with renters insurance. If a storm damages the building and a tenant's furniture, your policy pays for the building repairs and the tenant's renters policy pays for their belongings.

No, it does not. The owner's habitational insurance policy covers the building structure and the owner's liability exposure, not the personal property inside a tenant's unit. Furniture, electronics, clothing, and other belongings that a tenant brings into a rental unit are the tenant's responsibility to insure, typically through a separate renters insurance policy that the tenant buys on their own.

This split exists because the owner's policy is written around what the owner actually owns and is liable for: the walls, roof, flooring, built-in appliances, and shared areas like hallways and parking lots. A tenant's couch, laptop, or clothing was never part of what the owner's policy insured, in the same way that a landlord's fire policy on an apartment building does not extend to a car parked in the building's lot.

A storm damages the roof of a Savannah apartment building, and wind-driven rain ruins both the ceiling drywall and a ground-floor tenant's furniture and electronics. The owner's habitational policy pays to repair the roof, the drywall, and any other building components damaged by the storm. It does not pay to replace the tenant's ruined couch or laptop. If that tenant carries a renters insurance policy, that policy is what pays for the damaged furniture and electronics, along with any temporary living costs if the unit becomes unlivable during repairs. A tenant without renters insurance in that scenario absorbs the loss of their belongings directly, since the owner's policy was never designed to cover them.

This is also why liability matters on both sides of the relationship: an owner's general liability coverage responds if a tenant or guest is injured on the property, while a tenant's renters policy typically includes its own liability coverage for incidents the tenant causes inside their own unit. The two policies sit side by side, covering different property and different exposures, rather than one substituting for the other.

Owners evaluating what their own policy is built to cover, including the building, lost rental income, and liability, can review what does habitational insurance cover for a Georgia apartment or rental-property owner. A coverage review of an owner's existing policy is available through Olive Cover.