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 one storm damages both my home and my car in Georgia?

All FAQs

Quick answer: You file two claims, one per policy, even at the same carrier. Some carriers, including Progressive, can waive one deductible when a single event triggers both. If a carrier refuses a covered claim in bad faith, Georgia allows a 60-day written demand and a penalty of up to 50% of the loss or $5,000, whichever is greater, plus attorney fees (O.C.G.A. 33-4-6).

You file two claims, one per policy, even at the same carrier. Some carriers, including Progressive, can waive one deductible when a single event triggers both. If a carrier refuses a covered claim in bad faith, Georgia allows a 60-day written demand and a penalty of up to 50% of the loss or $5,000, whichever is greater, plus attorney fees (O.C.G.A. 33-4-6).

A homeowners policy and an auto policy are two separate contracts even when both are bundled with the same carrier, so a single storm that cracks a roof and shatters a windshield still produces two separate claim files, two separate adjusters, and two separate deductibles applied against the damage on each policy. Bundling does not merge the claims into one, though it can put both claims in front of the same carrier at once, which some households find simpler to track.

A hailstorm that dents a roof and breaks a windshield on the same afternoon is a typical example. The homeowner reports the roof damage under the homeowners policy and the windshield damage under the auto policy, with the deductible on each policy applied separately unless the carrier's own multi-claim rules say otherwise. Some carriers, including Progressive, have a policy provision that waives one of the two deductibles when both a home claim and an auto claim stem from the same documented event, which can meaningfully lower the out-of-pocket cost of a shared loss. That waiver is a carrier-specific feature, not a state requirement, so it is worth confirming with the specific carrier writing the bundle.

Georgia law also gives policyholders a remedy if a carrier denies or delays a claim that should be covered. Under O.C.G.A. 33-4-6, a policyholder can send the carrier a written demand for payment, and if the carrier refuses in bad faith and does not pay within 60 days, a court can award a penalty of up to 50% of the loss or $5,000, whichever is greater, along with attorney fees. This applies to home and auto claims alike, whether or not the two policies are bundled.

Because a shared-event claim touches both the homeowners and auto sides of a policy, and because flood damage from storm surge is excluded from both, sorting out which policy covers which piece of damage is easier when both claims start from a clear description of what happened and when. A coverage review before storm season, or a look at the carriers available through Olive Cover, can confirm ahead of time whether a specific carrier offers a shared-deductible waiver.