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.

How much jewelry does a Georgia homeowners policy cover?

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Quick answer: A standard Georgia homeowners or renters policy typically limits jewelry theft coverage to about $1,500 total, and that limit is shared across all your pieces. A single engagement ring, watch, or gold set often exceeds it. Scheduling the item on a separate policy covers it for its full appraised value with no depreciation.

A standard Georgia homeowners or renters policy typically limits jewelry theft coverage to about $1,500 total, and that limit is shared across everything in the jewelry category, not assigned per item. This is the built-in coverage that comes with the policy automatically, before any scheduling is added.

The shared nature of the cap is what catches most policyholders off guard. It is not $1,500 per ring or per watch; it is $1,500 combined for every piece of jewelry in the home. A household with a $1,200 engagement ring, a $500 pair of earrings, and a $400 gold chain has $2,100 in jewelry value but a policy that would pay at most $1,500 if all three were stolen in the same burglary, split proportionally or up to the cap depending on the carrier's claim process.

This cap applies specifically to theft. A single engagement ring alone often exceeds it: a $1,500 ring uses the entire available limit on its own, leaving nothing for a watch, a second ring, or any other piece stolen in the same event. Homeowners with even one piece near or above the median engagement ring value in Georgia are effectively underinsured for jewelry theft the moment they rely on the base policy alone.

Scheduling addresses this by listing an item individually with its own value, called the agreed value, set from a current appraisal rather than the policy's shared cap. A $6,000 ring scheduled at its appraised value is covered for $6,000 if stolen, with no depreciation applied and no competition from other jewelry in the house for the same limited pool of coverage. This differs from how the base policy's actual cash value provisions might otherwise apply to unscheduled property.

The $1,500 theft cap is only one piece of the picture. It says nothing about coverage for a lost item with no theft involved, which is addressed separately: see how much homeowners insurance covers jewelry in Georgia for the exclusion side of this same limit, and the jewelry coverage limit on a Georgia homeowners policy for how the scheduling process itself works. Background on the base coverage is on the homeowners insurance page, jewelry-specific detail is on the jewelry insurance page, and a coverage review can price scheduling for a specific collection.