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.

What is a deductible?

The amount you pay out of pocket on a covered claim before insurance pays the rest. Higher deductibles mean lower premiums.

How do I cancel my insurance policy?

Cancellation is a written request to the carrier with a specific date, usually 14 days notice. Most carriers refund unused premium pro rata. Never cancel before the new policy is in force.

What commercial coverage do Georgia businesses need beyond a business package policy and general liability?

Beyond a business package policy and general liability, the most common Georgia specialty commercial needs are commercial umbrella, inland marine, cyber, and management liability.

Do I have to use the carrier’s preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

General FAQs

What is a declarations page?

All FAQs

Quick answer: The one-page summary at the front of your policy showing your coverage, limits, deductibles, and premium.

A declarations page, called the dec page, is the summary sheet at the front of your insurance policy. It puts the most critical facts of your coverage onto one or two pages so you can find them without reading through the full policy document.

What information appears on a homeowners or auto declarations page?

A typical homeowners or auto dec page contains:

The named insured and mailing address
The policy number and the insurer’s name
The policy effective date and expiration date
Each coverage type, including dwelling, other structures, personal property, liability, and medical payments for home; bodily injury, property damage, collision, and comprehensive for auto, with its dollar limit
The deductible for each coverage, including any separate wind, hail, or hurricane deductible
The premium broken out by coverage
Any discounts applied
Endorsements attached to the base policy
Mortgagee or lienholder information, if applicable

How is a declarations page different from the full policy?

The dec page is not the full policy. The full policy contains the definitions, conditions, exclusions, and the fine print that determines whether a specific loss is covered. When a coverage dispute hinges on an exclusion or a defined term, those details live in the policy form, not the dec page. The dec page tells you the limits and the players; the policy form tells you the rules. For example, a homeowner who sees "water damage" listed on the dec page may assume that means sewer backup is covered, but the exclusion for water backup lives in the policy form and is only visible there.

How do adjusters and lenders use the declarations page?

The dec page is often the first document that moves in a claim. When a Gwinnett County homeowner files a claim for hail damage, the adjuster pulls the dec page to confirm the dwelling coverage limit is $350,000 and the wind and hail deductible is $2,500. Those two numbers from the dec page define the insurer’s maximum obligation and the homeowner’s out-of-pocket threshold before coverage responds. Mortgage lenders also rely on the dec page. When you close on a home or refinance, the lender requires proof that the dwelling limit meets their minimum and that the lender is listed as a mortgagee.

What does a Georgia auto declarations page confirm?

Georgia’s minimum auto liability limits are $25,000 per person, $50,000 per accident, and $25,000 for property damage. Your auto dec page confirms whether you carry exactly those minimums or higher policy limits you chose. For example, a driver in Forsyth County who selected $100,000 per person limits when purchasing a policy two years ago can verify those limits on the dec page today, which matters if they have since financed a new vehicle that requires collision and comprehensive coverage listed there as well.

How often should I review my declarations page?

A brief annual review of your dec page, comparing the dwelling limit against current local rebuild costs, confirming all vehicles and drivers are listed, and checking that endorsements like water backup or equipment breakdown are still attached, takes about ten minutes. Rebuild costs in Georgia have shifted materially since 2020 due to labor and materials inflation, so a limit that was adequate two years ago may leave a gap today. A coverage review through Olive Cover walks through your dec page line by line and flags anything that does not match your actual exposure.