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 general liability and professional liability in Georgia?

All FAQs

Quick answer: General liability covers physical harm, such as a client who trips in your office or property that gets damaged. Professional liability (errors and omissions) covers financial harm from your work, such as a client who says your advice or service cost them money. A negligent-design claim falls under professional liability, while a slip-and-fall falls under general liability.

General liability and professional liability cover two different kinds of harm. General liability insurance responds to physical harm, meaning bodily injury or property damage caused by the business's operations, products, or premises. Professional liability insurance, also called errors and omissions (E&O) coverage, responds to financial harm, meaning a client's claim that the business's advice, design, or service cost them money even though nobody was physically hurt and nothing was physically damaged.

A slip-and-fall is the clearest general liability example. If a customer trips on a loose floor tile in an insurance agency's waiting room and breaks a wrist, that is a bodily injury claim tied to the physical condition of the premises, which general liability is built to cover.

A negligent-design claim shows the professional liability side. If a structural engineer's calculation error leads to a building addition that has to be torn out and rebuilt, the client's loss is financial, the cost of the rework, not a physical injury caused by the building itself. That claim falls under professional liability, and a general liability policy would not respond to it because no bodily injury or property damage occurred in the way the policy defines it.

Many Georgia businesses that provide both physical services and professional advice need both coverages at once. A home inspection company is a common example: if an inspector's ladder damages a client's gutter during a walkthrough, that is a general liability claim. If the same inspector misses a foundation defect that the client later has to pay to repair, that is a professional liability claim, since the loss traces back to the quality of the inspector's professional judgment rather than any physical incident. Carriers vary on how they package these two coverages, sometimes as separate policies and sometimes bundled, so the right structure depends on what the business actually does day to day.

For how Georgia handles professional liability requirements by profession, see does Georgia require professional liability insurance. For how the claims-made structure behind most E&O policies works, see what claims-made means on a Georgia professional liability policy. Full coverage details for each line are at Georgia professional liability insurance, professional liability insurance, and general liability insurance. A coverage review can confirm whether a specific business needs one policy, both, or a combined package.