MY HOME AND FAMILY

I own a home, condo, or rental property

I drive and want real protection, not just minimums

I rent and my landlord's policy does not cover me

Against a Big Loss

One lawsuit could wipe out everything I have built

Against Flooding

My standard policy covers zero flood damage

My Rental Income

I rent out a property and need landlord coverage

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MY BUSINESS

My Business Property and Liability

I need one policy that covers my business basics

Against a Customer Claim

Someone got hurt or I caused damage to their property

My Business Vehicles

My personal auto policy does not cover business use

Workers comp is required for most employers

Against a Data Breach

A cyberattack could cost my business $200,000 or more

My Professional Work

My advice or service caused a loss and I am being sued

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🍑 Georgia

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Common Questions

Insurance FAQ

Honest answers to the questions we hear most. No fluff, no sales pitch.

Most Asked Questions

One from every coverage area

HomeownersDoes homeowners insurance cover flood damage?Read answer AutoAre Georgia minimum auto insurance limits actually enough?Read answer BOPDo I really need a BOP if I already have general liability?Read answer UmbrellaDoes umbrella insurance cover my business activities?Read answer BoatDoes homeowners insurance cover my boat?Read answer RentersIs renters insurance required in Georgia?Read answer

Homeowners

Does homeowners insurance cover flood damage?How much dwelling coverage do I actually need?What is a wind and hail deductible in Georgia?What happens to my homeowners policy if I rent out my home?What is the difference between HO-3 and HO-6 insurance?Do I need to switch my homeowners policy if I rent out my house?

Auto Insurance

Are Georgia minimum auto insurance limits enough?What does uninsured motorist coverage do?Does auto insurance follow the car or the driver in Georgia?Does my auto policy cover a rental car?

Umbrella & Liability

How much does umbrella insurance cost in Georgia?Does umbrella insurance cover my business?Do I need umbrella insurance if I rent my home?

Flood Insurance

Does my homeowners policy cover flood damage?Is there a waiting period for flood insurance?Should I buy NFIP or private flood insurance in Georgia?

Jewelry & Scheduled Articles

Is my engagement ring covered under my homeowners insurance?What is mysterious disappearance coverage and why does it matter?What items can be scheduled on an articles floater?

Small Business

Do I really need a BOP if I already have general liability?What limits should I carry on general liability?What is the difference between general liability and professional liability?What is the difference between D&O, EPL, and fiduciary liability?How much does a data breach actually cost a small business?

Workers Compensation

Is workers comp really required for a 3-person business in Georgia?Do 1099 contractors need workers comp?What is an experience modification rate and why does it matter?

Landlord & Rental Property

Can I use a landlord policy for my Airbnb property?Can a Georgia landlord require tenants to carry renters insurance?Does my landlord's insurance cover my belongings?

Working With Olive Cover

How much does a coverage review cost?Why use an independent agent instead of going direct to a carrier?Does using an independent agent cost more?Is Olive Cover a licensed insurance agency?