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 happens if a boater who hits me in Georgia has no insurance?

All FAQs

Quick answer: Uninsured and underinsured boater coverage pays your medical bills and lost wages if another boater who has no insurance or not enough insurance injures you or your passengers. Georgia does not mandate boat liability insurance, so at-fault boaters with no coverage are a real risk on state waters.

Uninsured and underinsured boater coverage pays your medical bills and lost wages if another boater who has no insurance or not enough insurance injures you or your passengers. Georgia does not mandate boat liability insurance, so at-fault boaters with no coverage are a real risk on state waters.

This is the direct consequence of Georgia not requiring boat insurance: unlike Georgia auto policies, where insurers must offer uninsured motorist coverage by default, there's no equivalent statewide requirement on the water. If you're hurt by a boater who chose not to carry coverage, and there's no law forcing them to, your own policy's uninsured/underinsured boater provision is what actually pays.

How common is this risk in Georgia specifically?

Georgia recorded 16 recreational boating fatalities and 119 boating incidents statewide in 2023 (Georgia Department of Natural Resources). Not every one of those involved an uninsured operator, but the absence of a legal insurance requirement means a meaningful share of boats on Georgia's lakes and coastal waters carry no liability protection at all, which is exactly the gap uninsured boater coverage is designed to close.

Example: A boat owner on Lake Oconee is struck by another vessel operated by someone with no insurance. The at-fault operator has no coverage and limited personal assets to pay a claim directly. Without uninsured boater coverage on their own policy, the injured party's medical bills and lost wages have no realistic path to being paid; with it, their own carrier steps in.

Does this work the same way as auto uninsured motorist coverage?

The concept is the same as the auto insurance version, but it has to be added on the boat side specifically, since Georgia's insurer-must-offer rule for uninsured motorist coverage applies to auto policies under O.C.G.A. 33-7-11, not to boats. It doesn't carry over automatically just because you have it on your car.

A coverage review can confirm whether a specific boat policy includes uninsured boater protection and at what limit. See how much does boat insurance cost in Georgia? for typical pricing, and our carriers page for who writes this coverage in Georgia.