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.

When does a Georgia home business need workers compensation?

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Quick answer: Georgia requires workers' compensation once a business regularly employs three or more people, including part-time staff (O.C.G.A. 34-9-2(a)(2)). A home baker who hires three helpers during the holidays crosses that threshold. Coverage from eligible carriers is available through Olive Cover.

Georgia requires workers' compensation once a business regularly employs three or more people, including part-time staff, under O.C.G.A. 34-9-2(a)(2). The threshold counts heads, not hours, so three part-time workers trigger the requirement the same as three full-time employees.

Example: a home baker runs the business alone most of the year, then brings on three part-time helpers for the holiday rush to handle packaging and local delivery. Once those three helpers are regularly working, even a few hours a week each, the business crosses the threshold and needs workers' compensation coverage. A single helper, or two, does not trigger the requirement on its own; three does.

Workers' compensation pays for an employee's medical treatment and a portion of lost wages after a workplace injury, regardless of who was at fault. It sits apart from general liability, which covers injuries to customers or the public, and apart from a homeowners policy, which does not cover employee injuries tied to business activity at all. A home business that has crossed the three-employee threshold and relies only on a homeowners policy or a home business endorsement has no coverage for an employee hurt on the job - the exposure falls to the business owner directly unless a workers' compensation policy is in place.

Businesses with heavier equipment, inventory, or client traffic alongside employees often pair workers' compensation with a business owners policy (BOP) rather than a homeowners endorsement, since a BOP is built for that larger operating footprint. Related coverage gaps for a growing home business are covered in does homeowners insurance cover a business run from my Georgia home.

Coverage from eligible carriers is available through Olive Cover, and which carriers currently write workers' compensation for home-based businesses can change. Current options are listed on the carriers page. A coverage review can confirm whether a specific staffing pattern, including seasonal or part-time hires, has already crossed the O.C.G.A. threshold.