Loaning your car to a friend seems simple—until they crash it. In Georgia, insurance usually follows the vehicle, but coverage depends on permission, exclusions, and your policy rules. Here’s what really happens when someone else wrecks your car and how it affects your protection.

Flooding is one of the most common and costly natural disasters in the United States, yet many homeowners are surprised to learn that standard home insurance policies don’t cover flood damage. The National Flood Insurance Program (NFIP), backed by FEMA, was created to bridge that gap—offering affordable protection for homeowners, renters, and business owners in high- and moderate-risk flood areas. In this article, we’ll break down how NFIP coverage works, who needs it, how ra

Hiring a contractor for a home renovation, repair, or improvement can be exciting. You’ve imagined the finished project — maybe a new kitchen, bathroom, or even a deck. But what happens if something goes wrong? One of the most overlooked risks is hiring a contractor without proper insurance . In Georgia, this can leave homeowners exposed to financial and legal consequences if damage occurs. In this guide, we’ll break down the scenario, explain what your homeowners insurance m

Owning an RV opens up a world of adventure and freedom. Whether you’re planning weekend getaways or extended road trips, your recreational vehicle is more than just a mode of transport - it’s your home on wheels. That’s why having the right insurance coverage is essential. It protects your investment, your belongings, and your peace of mind. In this post, I’ll walk you through everything you need to know about comprehensive RV insurance plans, helping you make informed decisi