UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K
                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                                 Date of Report
                                 August 16, 2004
                        (Date of earliest event reported)

                           VESTA INSURANCE GROUP, INC.
             (Exact name of registrant as specified in its charter)

         Delaware                                                63-1097283
(State or other jurisdiction of                               (I.R.S. Employer
incorporation or organization)                               Identification No.)

         3760 River Run Drive                                      35243
         Birmingham, Alabama                                      (Zip Code)
(Address of principal executive offices)

                                 (205) 970-7000
              (Registrant's telephone number, including area code)



Item 9. Regulation FD Disclosure.

On August 16, 2004 the Registrant issued a press release announcing the its
estimated losses from Hurricane Charley. A copy of this press release is
attached as Exhibit 99.1 and incorporated herein by reference.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned, thereto duly authorized.

Dated as of August 16, 2004.

VESTA INSURANCE GROUP, INC.

By: /s/ Donald W. Thornton
    ------------------------------
Its: Senior Vice President --
     General Counsel and Secretary