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 the difference between a bare-walls and an all-in HOA master policy in Georgia?

All FAQs

Quick answer: A bare-walls master policy covers only the structural shell, so your HO-6 must cover flooring, cabinets, fixtures, and everything from the drywall in. An all-in master policy covers original fixtures and appliances as built, so your HO-6 mainly covers your upgrades, personal property, liability, and the loss assessment gap. A coverage review can read your declaration and tell you which type your building uses.