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 liquor liability insurance not cover in Georgia?

All FAQs

Quick answer: Common exclusions include serving minors, off-premises and BYOB events without an endorsement, employees who drink on the job (which routes to workers compensation, required at three or more employees under O.C.G.A. 34-9-2(a)(2)), and often punitive damages.

Georgia liquor liability policies commonly exclude four situations: serving alcohol to minors, off-premises or BYOB (bring your own bottle) events without an endorsement, employees who drink on the job, and punitive damages.

Serving a minor falls outside coverage because Georgia's dram shop law (O.C.G.A. 51-1-40) treats knowingly serving alcohol to someone under 21 as the triggering act for liability, and insurers write that scenario out of the base policy rather than pricing for it. The same logic applies to knowingly over-serving a visibly intoxicated patron. More on how that law works is in What is dram shop liability in Georgia?

Off-premises exposure is another common gap. A restaurant's liquor liability policy is written around its licensed location. If the same business caters a wedding across town and brings its own alcohol, or a customer brings a bottle to a private event the business hosts, that exposure sits outside the base policy unless an endorsement (an add-on that extends or modifies the base policy to cover a specific situation) has been added first. For example, a caterer that serves alcohol at an off-site wedding without adding that endorsement has no coverage in place if a guest is later involved in an alcohol-related incident.

Employees drinking on the job is treated differently from patron-related claims. An employee injury tied to on-the-job drinking routes to workers compensation rather than liquor liability. Georgia requires workers compensation coverage once a business reaches three or more employees, under O.C.G.A. 34-9-2(a)(2).

Punitive damages (money a court awards to punish especially reckless conduct, on top of compensating the injured party) are often excluded from liquor liability policies, consistent with how most liability insurance treats punitive awards generally.

These exclusions do not change who carries the underlying exposure in the first place - see Who needs liquor liability insurance in Georgia? for the business types that need this coverage. Olive Cover's liquor liability insurance page covers how policies are structured, and a free coverage review can look at whether a specific business's catering or off-premises activity needs an endorsement.