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 does claims-made mean on a Georgia professional liability policy?

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Quick answer: Nearly all Georgia professional liability policies are claims-made. That means the policy in force when the claim is reported is the one that responds, not the policy in force when you did the work, as long as the work happened after the policy retroactive date. A gap between policies can leave older work unprotected, which is why tail coverage matters when you switch carriers or retire.

Claims-made is the policy structure used by nearly every professional liability policy sold in Georgia. It means the policy that is active on the date a claim is reported is the one that responds to that claim, not the policy that was active on the date the underlying work was performed. This is different from an occurrence policy, which is triggered by the date of the incident regardless of when the claim shows up later.

Two dates matter under a claims-made policy. The first is the retroactive date, which is the earliest date that work is covered; anything done before that date is excluded even if the current policy is active when the claim arrives. The second is the report date, meaning the day the claim actually reaches the carrier. Work performed after the retroactive date and reported while the policy is in force is covered. Work performed before the retroactive date, or reported after the policy has lapsed, is not.

An accountant does tax work for a client in 2023 under Policy A, then switches carriers in 2025 and buys Policy B. If Policy B's retroactive date is set to the 2025 switch date rather than carried back to match Policy A, a claim reported in 2026 about the 2023 work falls into a gap: Policy A is no longer active to receive it, and Policy B's retroactive date does not reach back far enough to cover it.

Tail coverage, also called an extended reporting period, closes that gap. It is an endorsement or standalone policy that lets claims tied to past work still be reported after the original policy has ended, whether the end came from switching carriers, retiring, or closing the business. Tail coverage is most often addressed at the point of a carrier switch, a retirement, or a business sale, since that is when the reporting window would otherwise close.

The claims-made structure also affects how fast a carrier has to respond once a claim is reported, covered in how long a Georgia insurer has to acknowledge a professional liability claim. For how professional liability differs from general liability's occurrence-based structure, see general liability vs. professional liability in Georgia. Coverage mechanics and cost ranges are detailed at Georgia professional liability insurance and professional liability insurance. A coverage review can check a specific policy's retroactive date and tail options before a carrier switch or retirement.