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 is loss-of-rents coverage and when does it pay?

All FAQs

Quick answer: Loss-of-rents coverage, also called business income for rental property, replaces the rental income you lose when a covered loss makes units uninhabitable. A burst pipe floods the ground floor of a Savannah triplex, and while it is being repaired, the coverage pays the rent those units would have earned so your mortgage and expenses stay covered. It does not pay when a unit is empty for ordinary reasons like a tenant moving out.