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 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.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

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.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

What form is a Georgia landlord policy written on?

All FAQs

Quick answer: A rented single-family home is usually written on a DP-3 dwelling-fire, open-perils form. Once a property reaches roughly five or more units, underwriters generally move it to a habitational or commercial-lines form.

A rented single-family home in Georgia is usually written on a DP-3 dwelling-fire policy. "DP" stands for dwelling policy, and the 3 marks the broadest of the standard dwelling-fire forms. A DP-3 is written on an open-perils basis, meaning it covers the dwelling for any cause of loss except the ones specifically excluded in the policy, such as flood, earthquake, and normal wear and tear. That is the reverse of a named-perils form, which only pays for the specific causes of loss it lists by name.

A single-family rental in a Georgia metro like Marietta or Savannah, insured on a DP-3, is covered if a storm tears off part of the roof, since wind is not on the exclusion list. The same policy would not respond to water that backs up through a sewer line unless the owner added a sewer-backup endorsement, since that peril sits outside the base form.

Duplex, triplex, and fourplex rentals in Georgia are usually still eligible for a dwelling-fire form, though underwriting varies by carrier, condition, and location. Once a property reaches roughly five or more units, carriers generally classify it as habitational risk rather than a residential dwelling risk. Habitational is the industry term for a building where units are rented to unrelated households, and a property in that category is usually moved to a commercial-lines policy, with different underwriting and often a different application process than a DP-3.

An owner scaling from a single rental house to a small portfolio of Georgia properties can cross the habitational threshold without realizing the policy type needs to change. A DP-3 written for long-term tenancy also excludes short-term rental use; see can I use a landlord policy for a Georgia Airbnb or VRBO for how that exclusion works.

For the broader mechanics of a Georgia landlord policy, see landlord insurance and the Georgia landlord insurance page. A related question covers whether landlord insurance is required by law in Georgia; it is not, though lenders and homeowners-policy exclusions make it a practical necessity. Flood is excluded from every form regardless of unit count; see does landlord insurance cover flood damage in Georgia. A coverage review can confirm which form applies to a specific property count and unit mix.