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.

What auto liability limits does Georgia require in a bundle?

All FAQs

Quick answer: Georgia's minimum is 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (O.C.G.A. 33-34-4). Insurers must also offer uninsured and underinsured motorist coverage on top of that (O.C.G.A. 33-7-11). A coverage review can show how those limits fit your situation.

Georgia's minimum is 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (O.C.G.A. 33-34-4). Insurers must also offer uninsured and underinsured motorist coverage on top of that (O.C.G.A. 33-7-11). A coverage review can show how those limits fit your situation.

Those three numbers break down into separate caps. The $25,000 bodily injury per person figure is the most the policy pays for injuries to any one person hurt in an accident the policyholder caused. The $50,000 per accident figure is the total cap across everyone injured in that same accident, regardless of how many people were hurt. The $25,000 property damage figure covers damage to another person's vehicle or property, separate from the injury limits. This requirement is identical whether the auto policy is bundled with a home policy or purchased on its own, because bundling changes the carrier and the price, not the legal minimum coverage a vehicle must carry to be registered in Georgia.

Uninsured motorist coverage, often shortened to UM, and underinsured motorist coverage, shortened to UIM, protect the policyholder when the at-fault driver in an accident either has no insurance or does not carry enough to cover the damage. Georgia law requires insurers to offer this coverage on every auto policy, though a policyholder can reject it in writing.

Consider a driver hit by an at-fault motorist who only carries the state minimum, and the injured driver runs up $40,000 in medical bills. The at-fault driver's $25,000 per-person bodily injury limit is the most that driver's insurer pays toward those bills, leaving a $15,000 gap. UM and UIM coverage on the injured driver's own policy is what can close that kind of gap, which is why the minimum liability limits and the UM/UIM offer are two separate pieces of the same auto insurance policy. More on how uninsured motorist coverage works is available on its own page. Bundling with a home policy does not raise or lower any of these figures. A coverage review can walk through what higher limits would look like for a specific household, since the state minimum is a floor, not a target.