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 jewelry coverage limit on a Georgia homeowners policy?

All FAQs

Quick answer: A Georgia homeowners policy typically caps unscheduled jewelry near a $1,500 sublimit. A scheduled personal articles floater removes that cap and usually covers mysterious disappearance, so an $8,000 ring is covered at full appraised value instead of the sublimit.

A Georgia homeowners policy typically caps unscheduled jewelry coverage near a $1,500 sub-limit. Removing that cap requires a separate step: adding a scheduled personal articles floater, a type of policy or rider that lists specific items individually with their own coverage amount instead of relying on the base policy's shared limit.

The mechanics of scheduling start with an appraisal. Because a scheduled item is covered at its agreed value, meaning the payout is fixed in advance rather than calculated after a loss, the carrier needs a current, dated appraisal to set that figure. Appraisals more than two to three years old are often considered outdated, since jewelry values move with metal and stone prices over time; more detail on this requirement is at do I need an appraisal to schedule a ring in Georgia.

Once the appraisal is in hand, the item is added to the floater at that value. From that point, the item's coverage is no longer tied to the base homeowners policy's $1,500 sub-limit or shared with other jewelry in the house. An $8,000 ring left unscheduled competes with every other piece of jewelry in the home for a combined $1,500 in theft coverage. The same $8,000 ring, once scheduled at its appraised value, is covered up to $8,000 on its own, independent of anything else the household owns.

Scheduling typically changes more than the number. It generally adds coverage for mysterious disappearance, a loss with no clear explanation, and accidental damage, both of which usually fall outside the base policy's theft-only jewelry coverage. This means the floater is not simply a bigger version of the same coverage; it is a different, broader set of protections built around the specific item and its documented value.

The dollar difference between unscheduled and scheduled coverage is explored from the base-policy side at how much jewelry a Georgia homeowners policy covers, and the exclusion gap that scheduling closes is covered at how much homeowners insurance covers jewelry in Georgia. How agreed value and replacement cost work as settlement concepts is explained on the replacement cost and actual cash value glossary pages. Background on the base policy is on the homeowners insurance page, and a coverage review can walk through scheduling a specific appraisal against the carriers available through Olive Cover.