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 long can a Georgia home sit empty before a homeowners policy stops covering it?

All FAQs

Quick answer: Most standard homeowners forms suspend certain coverages, including vandalism and some water and glass losses, after 60 consecutive days of vacancy. Some policies set the limit at 30 days. Check your policy's vacancy provision to see which applies to you.

Most standard Georgia homeowners policies suspend certain coverages once a home has sat empty for 60 consecutive days, though some policies set that trigger at 30 days instead. The exact number lives in the policy's vacancy provision, a clause that defines when a home is treated as vacant and what happens to coverage from that point forward.

The coverages most commonly suspended are vandalism and malicious mischief, some water damage claims (such as an undetected pipe burst, since no one is checking the property), and glass breakage. Coverage for fire, wind, and several other perils typically continues, but the specific list varies by carrier and policy form, which is why reading the actual vacancy provision on a given policy matters more than a general rule of thumb.

For example, a rental property sits empty for 75 days between tenants while the owner handles repairs. Vandals break a window and strip copper wiring on day 70. Under a policy with a 60-day vacancy provision, that claim would likely be denied, because the vacancy clock had already passed its trigger point ten days earlier. The same damage on day 45 of that same vacancy, under a 60-day trigger, would still fall inside the covered window.

The clock generally runs on consecutive days without anyone living there, not total days vacant over a year, though what counts as "living there" (an occasional overnight stay, someone collecting mail, utilities staying on) is defined by the individual policy rather than a single statewide rule. Whether a home is legally vacant or only unoccupied changes how this clock applies; see the difference between a vacant and an unoccupied home in Georgia.

Two coverages sit outside this vacancy clock entirely. Flood damage is excluded from a homeowners policy regardless of vacancy status, covered instead or not covered per flooding and vacant home insurance. Liability for an injury on the property is a separate question, covered in liability on a vacant Georgia property.

Vacant home insurance is built around exactly this gap, keeping coverage active on the same perils a standard policy would suspend past 30 or 60 days. A coverage review can check the exact vacancy provision on a current policy against how long a property is actually expected to sit empty.