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 RV insurance required in Georgia?

All FAQs

Quick answer: For a motorized RV, yes. Georgia registers motorhomes as motor vehicles, so they must carry the same 25/50/25 liability minimum as a car: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (O.C.G.A. 33-7-11). A towed travel trailer has no separate liability requirement and draws liability from the vehicle towing it. Physical-damage and personal-effects coverage are not required by law but come through a specialty RV policy.