Coverage
MY HOME AND FAMILY
My Home
I own a home, condo, or rental property
My Car
I drive and want real protection, not just minimums
My Belongings
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
My Employees
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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Carriers
We shop all of these for you. You see every option.
12 A-rated carriers. One independent agent. No loyalty to any single company.
PERSONAL
Travelers
Complex homes
Progressive
Auto bundling
Nationwide
Broad coverage
Safeco
Mid-range homes
Openly
High value homes
Hippo
Newer construction
COMMERCIAL
Travelers
Broad commercial
The Hartford
Small business
Nationwide
Mid-market
CNA
Professional liability
Hanover
Complex risks
AIG
High value risks
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Learn
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Plain English guides on what policies cover and what they do not
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Know Your State's Rules
Coverage requirements vary by state. Find what applies to you
About
๐ Georgia
Free Coverage Review
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
Homeowners
Does homeowners insurance cover flood damage?
Read answer
Auto
Are Georgia minimum auto insurance limits actually enough?
Read answer
BOP
Do I really need a BOP if I already have general liability?
Read answer
Umbrella
Does umbrella insurance cover my business activities?
Read answer
Boat
Does homeowners insurance cover my boat?
Read answer
Renters
Is 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?