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 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.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

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.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

What is the difference between recreational and full-timer RV insurance in Georgia?

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Quick answer: A recreational policy assumes the rig is used for vacations or weekends. A full-timer policy covers an RV used as a primary residence, adding broader, homeowner-style liability and contents coverage. If you live in the RV more than about six months a year, a full-timer endorsement needs to be in place before a loss, or a claim can be denied or partly excluded.

A recreational RV policy assumes the rig sits in storage most of the year and gets used for vacations, weekend trips, or seasonal travel. A full-timer policy is built for someone who lives in the RV as a primary residence, meaning the RV replaces a house or apartment rather than supplementing one. The difference is not just a label, it changes what the policy covers and how much liability protection it carries.

A recreational policy typically covers liability, comprehensive and collision damage to the RV, and a limited amount of personal property, sized for someone who keeps most of their belongings at a permanent home elsewhere. A full-timer policy adds broader, homeowner-style liability coverage, similar to what a homeowners or renters policy provides, plus higher personal-property limits, because the RV holds someone's actual household goods rather than a weekend's worth of clothes and camping gear.

Example: a retired couple sells their house and moves into a Class A motorhome permanently, traveling between RV parks across the Southeast. Their furniture, electronics, clothing, and everything else they own travels with them. A recreational policy's personal-property limit, built for a vacationer's overnight bag and folding chairs, would fall far short of replacing an entire household after a fire or theft. A full-timer policy is built for that exposure.

Timing matters as much as the label. Most carriers define full-time use as living in the RV more than roughly six months a year, though the exact threshold is set by each carrier's policy language, not by Georgia law. If a rig is used that way without a full-timer endorsement in place, a claim can be denied or paid at a reduced amount, because the policy was underwritten for a different risk than the one that actually occurred.

The endorsement needs to be in place before a loss happens, not after. An owner who starts the RV season as a weekend traveler and shifts into full-time living partway through the year has a coverage gap the moment that switch happens unless the policy is updated to match.

Liability minimums under Georgia law apply either way for a motorized RV; see whether RV insurance is required in Georgia for the 25/50/25 baseline. Storm and flood exposure also differ by how and where the RV is used; see RV coverage for hurricane wind or flood for that side of the policy.

Whether a specific travel pattern crosses into full-timer territory, and what limits fit a full-time household, is a coverage review question. General RV insurance and Georgia RV insurance pages outline how the two policy types are structured.