Georgia Coverage Guide
Insurance isn’t complicated — it just gets sold that way. Here’s what each policy actually does, who it’s for, and what to watch out for in Georgia.
Covers your home’s structure, attached structures (garage, deck), and personal belongings from fire, theft, vandalism, and most weather events.
Who needs it
Required by lenders if you carry a mortgage. Strongly recommended for all Georgia homeowners — especially in hurricane and storm-prone areas.
Good to know
Standard homeowners policies do NOT cover flooding.
Separate flood insurance is required for most Georgia flood zones and is highly advisable for any home near a drainage basin or low-lying area.
Liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage — each doing a different job.
Who needs it
Georgia law requires minimum liability coverage for all drivers. But state minimums are often not enough to cover a real accident.
Good to know
Georgia is an at-fault state.
If you’re responsible for an accident, your liability coverage pays for the other party’s damages. Low limits can leave you personally exposed.
Term life provides a death benefit for a fixed period. Whole life builds cash value and covers you for life. The right choice depends on your family’s situation.
Who needs it
Anyone with dependents, a mortgage, business debt, or financial obligations that would burden their family if they were gone.
Good to know
Most people underestimate how much they need.
A common rule of thumb: 10× your annual income. But it depends on your mortgage balance, children’s ages, and spouse’s earning capacity.
Business Owner’s Policy (BOP), general liability, commercial auto, professional liability, and workers’ comp — each covering a different risk your business faces.
Who needs it
Georgia small business owners, contractors, freelancers, and anyone who operates out of a commercial space, has employees, or drives for work.
Good to know
A single uninsured liability claim can shut down a small business.
General liability is often the most important policy to have in place before you take on your first client or open your doors.
Covers your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered event.
Who needs it
Anyone renting an apartment, house, or condo in Georgia. Many landlords now require it as a lease condition.
Good to know
Your landlord’s insurance covers the building — not a single item you own.
If your apartment is burglarized or damaged in a fire, the landlord’s policy does not replace your laptop, furniture, or clothing.
I compare your existing coverage against what’s available in the market and what your current situation actually requires. No commitment required.
Who benefits
Anyone who hasn’t had their coverage reviewed in 12+ months, recently had a major life event (new home, marriage, new vehicle, new business), or feels like they might be overpaying.
What I look for
Coverage gaps, outdated limits, duplicate coverage, policies that don’t align with current life circumstances, and opportunities to reduce premium without reducing protection.
That’s what I’m here for. Tell me about your situation and I’ll help you figure out what actually makes sense — without the sales pressure.
Talk to Curtis