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 can I do if a Georgia insurer denies my home business claim?

All FAQs

Quick answer: Georgia law gives you leverage. A written demand starts a 60-day clock; if a court finds the denial was in bad faith, the carrier can owe a penalty of up to 50 percent of the loss or $5,000, whichever is greater, plus attorney fees (O.C.G.A. 33-4-6). You can also file a complaint with the Georgia Office of Commissioner of Insurance. A licensed advisor can review the policy language with you.

Georgia law gives a policyholder specific leverage after a claim denial. A written demand to the insurer starts a 60-day clock under O.C.G.A. 33-4-6. If the matter goes to court and a judge or jury finds the denial was made in bad faith, the insurer can be ordered to pay a penalty of up to 50 percent of the loss or $5,000, whichever amount is greater, on top of the original claim, plus the policyholder's attorney fees.

Example: a home business owner in Georgia files a claim after a break-in destroys business equipment covered under a home business endorsement, and the insurer denies the claim without a clear policy-based reason. The owner (or an attorney on the owner's behalf) sends a written demand letter citing O.C.G.A. 33-4-6. The insurer then has 60 days to pay the claim, and failing to do so in bad faith exposes the insurer to the statutory penalty and attorney fees described above.

A second avenue runs alongside the legal one: filing a complaint with the Georgia Office of Commissioner of Insurance, the state agency that regulates insurers doing business in Georgia. A complaint does not require an attorney and creates a regulatory record of the dispute, separate from any court action.

Not every denial is wrongful - a denial that correctly applies a policy exclusion, such as the flood exclusion described in is flood damage to a home business covered in Georgia, or a sublimit described in does homeowners insurance cover a business run from my Georgia home, is not bad faith. Whether a specific denial has merit depends on the exact policy language and the facts of the loss, which is why a licensed advisor reviewing the policy alongside the denial letter matters before deciding on a demand letter or a complaint.

A coverage review can also confirm, going forward, whether the underlying policy - reviewed against current carriers - fits the business well enough to reduce the chance of a coverage dispute in the first place.