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.

What is a deductible?

The amount you pay out of pocket on a covered claim before insurance pays the rest. Higher deductibles mean lower premiums.

How do I cancel my insurance policy?

Cancellation is a written request to the carrier with a specific date, usually 14 days notice. Most carriers refund unused premium pro rata. Never cancel before the new policy is in force.

What commercial coverage do Georgia businesses need beyond a business package policy and general liability?

Beyond a business package policy and general liability, the most common Georgia specialty commercial needs are commercial umbrella, inland marine, cyber, and management liability.

Do I have to use the carrier’s preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

General FAQs

How do I know my insurance company will be able to pay my claim?

All FAQs

Quick answer: Admitted carriers operate under state solvency rules. The Georgia OCI sets capital and reserve requirements and monitors each insurer so it can pay what it owes.

Are the carriers you work with financially regulated?

The carriers we place you with are admitted and licensed in your state, which means they operate under that state’s solvency rules (Georgia’s Office of Commissioner of Insurance, for example, sets minimum capital and reserve requirements and monitors each insurer’s financial condition).

What solvency rules apply to insurers?

State law sets risk-based capital standards (Georgia’s is O.C.G.A. Title 33, Chapter 56) that require an insurer to hold capital matched to the risk it takes on. A company that falls below those levels faces escalating regulatory action, from a required corrective plan up to state control of the company. Every state applies the same framework, so the protection travels with you if you move.

For example, an insurer that writes a large book of homeowners policies in a coastal market must hold significantly more capital than one writing the same number of inland policies, because the potential for a single catastrophic event is higher. The risk-based capital formula accounts for that exposure directly.

What happens if an admitted insurer becomes insolvent?

A state insurance guaranty association provides a backstop for policyholders of admitted carriers (Georgia’s is the Georgia Insurance Guaranty Association). If a licensed insurer becomes insolvent and cannot pay claims, the Guaranty Association steps in to pay covered claims up to the statutory limits set by state law. This protection does not extend to non-admitted (surplus lines) carriers, which is one reason admitted status matters when choosing where to place your coverage. The difference between admitted and non-admitted carriers affects both your claim protection and your policy terms.

Can I verify a carrier’s standing on my own?

You can check any insurer yourself. Most state insurance departments maintain a free public company search; Georgia’s OCI has one at oci.georgia.gov that lists every licensed company and its current standing. Searching by company name or NAIC number returns license status, license type, and any administrative actions on record. No login or account is required.

For example, if a carrier you are considering has faced a corrective action or license suspension in the past five years, that appears in your state’s public records. Reviewing those records before purchasing coverage takes less than five minutes and requires no professional assistance.

How does working with an independent advisor affect claim security?

Working with an independent agent means your coverage is placed with a licensed, regulated carrier selected to match your risk profile, not assigned by default to a single company. Understanding how carrier selection works clarifies why admitted status and financial stability are both part of the placement process.

When a claim arises, a licensed advisor stays with you through the process. If a claim history report becomes relevant or questions arise about how a claim is being handled, that support is part of working with an advisor rather than purchasing directly from a carrier.

You can browse the carriers available through us, and if you want a second set of eyes on your coverage and the companies behind it, request a free coverage review.