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 happens if my coastal Georgia manufactured home is declined for wind coverage?

All FAQs

Quick answer: Georgia's residual property market, the Georgia Underwriting Association (O.C.G.A. Title 33, Chapter 33), can provide windstorm coverage when the standard market will not. The rest of the home can be insured through another carrier.

Georgia's residual property market can still provide windstorm coverage even after a standard carrier declines. The Georgia Underwriting Association (GUA), created under O.C.G.A. Title 33, Chapter 33, exists specifically to write property insurance, including windstorm and hail coverage, for eligible homes the standard voluntary market won't insure because of location or construction risk. Coastal manufactured homes get declined by standard carriers more often than inland homes because of hurricane wind exposure along the Georgia coast, so the GUA functions as a regular backstop, not an edge case.

The GUA writes windstorm and hail coverage specifically, not a full homeowners or mobile home policy. That means a coastal manufactured home typically ends up with two policies working together: a GUA policy covering wind and hail, and a separate standard-market mobile home policy covering the remaining perils, fire, theft, liability, and other named perils the GUA policy excludes. Both policies need to stay current at the same time, since a lapse in either one leaves a real gap in coverage.

Example: a manufactured home in a coastal Georgia county gets declined for a full mobile home policy because the standard carrier's wind exposure limit in that zip code is already reached. The homeowner secures a GUA policy for windstorm and hail, then places the rest of the coverage, dwelling fire, personal property, and liability, with a separate carrier willing to write the non-wind portion. Both premiums are paid separately, and both policies renew on their own schedules.

Eligibility for the GUA depends on a documented declination from the standard market, meaning a homeowner typically needs at least one denial letter from a standard carrier before applying. The anchoring and tie-down system, roof condition, and the home's proximity to the coastline all factor into both the standard-market decision and the GUA's own underwriting. For the underlying eligibility question of what qualifies for standard coverage in the first place, see can I insure a manufactured home with a standard homeowners policy in Georgia.

Georgia mobile home insurance placements that combine a GUA wind policy with a standard-market policy for the rest of the home are available through Olive Cover. A coverage review can walk through a declination letter and available carrier options for the non-wind portion. Start a coverage review or browse current carriers.