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.

How do I cancel my insurance policy?

Cancellation is a written request to the carrier with a specific date, usually 14 days notice. Most carriers refund unused premium pro rata. Never cancel before the new policy is in force.

What commercial coverage do Georgia businesses need beyond a business package policy and general liability?

Beyond a business package policy and general liability, the most common Georgia specialty commercial needs are commercial umbrella, inland marine, cyber, and management liability.

Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

General FAQs

My renewal went up. Should I shop around?

All FAQs

Quick answer: Whether shopping around lowers your cost depends on your rate increase and profile; a coverage review runs quotes across the carrier network. We can run quotes across our carrier network within a business day.

A renewal increase is a reasonable trigger to check whether your current carrier is still the right fit at the right price. Rates across Georgia have risen for many homeowners and drivers because of higher repair costs, more severe weather, and inflation in building materials. Shopping the market when a renewal climbs lets you compare your current price against other carriers with matching coverage so any price difference reflects a real market difference, not thinner protection.

Why did my renewal go up?

A renewal increase does not always reflect a problem specific to you. Georgia carriers file statewide rate adjustments when claims costs rise across the board. Common triggers for an individual increase include a claim on your record, a change in your credit or insurance score, a roof or home aging past an underwriting threshold, or the loss of a discount. In some cases, adjusting your deductible or restoring a lost discount produces a lower premium without switching carriers at all.

What changes when I shop coverage on my own?

Each carrier uses different coverage forms, so quotes pulled independently can look similar on price while differing significantly on what they cover. A policy with a lower quoted price but a higher wind or hail deductible, lower liability limits, or a switch from replacement cost to actual cash value may cost far more after a claim than the original policy. For example, a homeowner who drops to a higher wind deductible to save $200 a year may face thousands more out of pocket after a storm loss in Georgia. For a closer look at how those coverage types compare, see replacement cost vs. actual cash value.

How does an independent agent compare carriers?

An independent agent runs your profile across multiple carriers at once and aligns the coverage forms so quotes are compared at the same dwelling limit, the same liability limit, and the same deductible structure. For example, a homeowner in Lawrenceville saw a renewal rise from $1,850 to $2,380, a 29 percent jump driven by a statewide rate filing and an aging roof. An agent shopping the market found a carrier that viewed the roof differently and quoted $1,990 with the same dwelling limit and a comparable deductible, saving about $390 a year without cutting coverage. To see how carriers are evaluated beyond price, see how Olive Cover chooses which carrier to place you with.

When does staying with the current carrier make sense?

Some increases reflect broader market conditions that follow you to any carrier. If competing quotes come in at a similar price, staying with a carrier where a long claims history and policy continuity are established is often a cost-neutral outcome. The question to answer is whether the increase is carrier-specific or market-wide. A licensed advisor at a free coverage review can tell you which situation applies and shop your profile across available markets. For more on how the agent and carrier relationship works, see the difference between an insurance carrier and an agent.