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.

Is flood damage to a home business covered in Georgia?

All FAQs

Quick answer: No. Flood is excluded from home business and commercial property policies and runs through the NFIP or private flood insurance. A home business in a Chatham County FEMA Special Flood Hazard Area with a federally backed mortgage must carry it. Georgia also has inland flash-flood exposure away from the coast.

No. Flood damage is excluded from home business endorsements, homeowners policies, and standard commercial property policies. Flood coverage runs through a separate policy, either the National Flood Insurance Program (NFIP), the federal flood program run through FEMA, or a private flood insurance policy.

Example: a home business in Chatham County stores $8,000 in inventory in a garage workshop. Rising water from a nearby creek during a heavy storm ruins the inventory and damages the workshop's drywall and flooring. Neither the homeowners policy nor a home business endorsement responds to that loss, because flood is a named exclusion on both. Only a separate flood policy, NFIP or private, would cover the inventory and structural damage.

Flood coverage is not optional everywhere. A home business located in a FEMA Special Flood Hazard Area, such as parts of Chatham County along the coast, with a federally backed mortgage on the property, is required to carry flood insurance as a condition of that mortgage. Georgia's flood exposure is not limited to the coast - inland flash flooding from heavy rain affects properties well away from any coastline or federally mapped flood zone, and a property outside a mapped Special Flood Hazard Area can still flood.

A flood insurance policy is underwritten and priced separately from a homeowners policy or a business owners policy (BOP), and it typically carries its own waiting period before coverage takes effect, which is a reason to evaluate flood exposure before a storm is in the forecast rather than after. For how the broader home business property gap works outside of flood specifically, see does homeowners insurance cover a business run from my Georgia home, and for how an endorsement compares to a full BOP for a business with real inventory, see what is the difference between a home business endorsement and a BOP in Georgia.

A coverage review can confirm whether a specific property sits in a mapped flood zone and what flood coverage options apply to it.