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.

How does Georgia comparative negligence affect an umbrella claim?

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Quick answer: Georgia uses modified comparative negligence and bars recovery once a party is 50 percent or more at fault (O.C.G.A. 51-12-33). A defendant found partly at fault below that line can still owe a large share of the damages, which is the exposure a personal umbrella is built to cover.

Georgia's comparative negligence rule shapes how much a person found partly at fault in an accident still owes, and that owed amount is part of the exposure a personal umbrella is built to cover. Georgia follows a modified comparative negligence rule under O.C.G.A. 51-12-33: a party who is 50 percent or more at fault is barred from recovering damages, while a party found less than 50 percent at fault can still recover, with their award reduced by their own percentage of fault. The same rule works in reverse for a defendant: being found partly at fault below the 50 percent bar does not eliminate liability, it only reduces the plaintiff's award proportionally, and the defendant can still owe a large share of the total damages.

For example, a driver runs a stale yellow light and is found 40 percent at fault for a crash that causes $500,000 in injury damages to the other driver, who is found 60 percent at fault for following too closely. Because the injured driver's own fault is under 50 percent, they can still recover, and the 40-percent-at-fault driver owes 40 percent of $500,000, or $200,000. If that driver's auto liability limit is $100,000, the auto policy pays its limit and $100,000 remains unpaid. A personal umbrella sitting above that auto policy would respond to the remaining $100,000, subject to the umbrella's terms and limit.

This is the exposure an umbrella addresses: a defendant does not need to be found mostly or entirely at fault to owe a damages award that exceeds their underlying auto or homeowners liability limit. Georgia juries apportion fault by percentage, and even a minority share of fault on a large damages award can produce a payout well beyond a standard auto or homeowners liability limit.

Underlying auto and homeowners liability limits determine where the umbrella's coverage begins; carriers set minimum underlying limits before an umbrella will attach. Background on how umbrella coverage works generally is on the umbrella insurance page, and Georgia-specific detail is on the Georgia umbrella insurance page. Since Georgia does not require umbrella coverage, see does Georgia require umbrella insurance for how that applies. A coverage review can evaluate whether current liability limits leave a gap against this kind of exposure.