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 of your policy showing insured, coverage, limits, deductibles, and premium.

A declarations page, often called a dec page, is the summary sheet at the front of your insurance policy. It puts the key facts of your coverage in one place: who is insured, what is covered, how much coverage you carry, and what you pay for it. Every carrier formats theirs a little differently, but the core information is the same.

What does a standard declarations page include?

A standard dec page includes:

The named insured, your name, and for a home policy, the property address
The policy number and the policy period, meaning the effective date and end date of coverage
Coverage limits for each type of protection on the policy
Your deductible amounts, the portion you pay before the carrier pays
Any endorsements or added coverages attached to the base policy
Your total premium and how it breaks down by coverage type

The dec page is the policy’s executive summary. The rest of the policy, including the conditions, exclusions, and definitions, is the full contract. The dec page shows the limits and who is covered; the policy form explains the rules that govern every claim.

When do Georgia homeowners and drivers need their declarations page?

The dec page comes up in several practical situations. Mortgage lenders require homeowners to carry dwelling coverage equal to at least the replacement cost of the structure, and they verify that from the dec page at closing. Auto lenders require proof of comprehensive and collision on financed vehicles. Georgia’s minimum auto insurance liability limits are $25,000 per person, $50,000 per accident, and $25,000 for property damage. Your dec page confirms whether you carry exactly those minimums or higher limits. For example, a Marietta driver who recently increased limits from minimum to $100,000 per person can verify that change took effect by checking the auto dec page after the renewal.

How do endorsements appear on a declarations page?

Endorsements listed on the dec page change what the policy covers in ways the base coverage does not. A water backup endorsement, scheduled personal property coverage, or a home business rider each appears as a line item. If an endorsement does not appear on the dec page, you do not have it, regardless of what a prior conversation with an agent may have suggested. For example, a homeowner in Cumming who requested water backup coverage during a renewal call should verify the endorsement appears on the next dec page before assuming the protection is in place.

Why does it matter to review your declarations page after life changes?

After any major life change, including a renovation that raises your home’s replacement value, a new vehicle on the household, or a teen driver added to your auto policy, the dec page should be checked to confirm the numbers still reflect your situation. Coverage gaps often show up on the dec page long before they surface in a claim. 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. On a homeowners insurance policy, the dwelling limit is the line item most worth checking. A coverage review through Olive Cover walks through your dec page line by line and flags anything that does not match your actual exposure.