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.

Does Tennessee Require Uninsured Motorist Coverage?

Availability note: Olive Cover is the brand of Olive Insurance Services, LLC, an independent property and casualty insurance agency licensed in Georgia and Alabama. We are not licensed in all states. Nothing on this page is an offer to sell, or a solicitation to buy, insurance in any state where we are not licensed. It is general education only, not insurance advice.

All FAQs

Quick answer: Tennessee does not force you to carry uninsured/underinsured motorist (UM/UIM) coverage, but it does require insurers to offer it at your liability limits, and you keep it unless you reject it in writing or choose lower limits (Tenn. Code § 56-7-1201).

Tennessee does not force you to carry uninsured/underinsured motorist (UM/UIM) coverage, but it does require insurers to offer it at your liability limits, and you keep it unless you reject it in writing or choose lower limits (Tenn. Code § 56-7-1201). UM/UIM pays for your injuries when an at-fault driver has no insurance or not enough to cover the harm.

Roughly one in five Tennessee drivers is estimated to be uninsured, so the "at-fault driver pays" system can leave you collecting from an empty pocket. Example: an uninsured driver runs a light and injures you; without UM coverage, you would look to your own health insurance and out-of-pocket costs; with it, your policy responds up to your UM limit. Whether to keep or waive it is a personal decision an advisor can talk through - the law leaves the choice to you, in writing.

Learn how the coverage works: Uninsured motorist coverage · Auto insurance basics.