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Olive Cover
AboutFree Coverage Review
General

Underwriting

Underwriting is the insurer's process of reviewing your risk to decide whether to offer coverage and at what price. Factors like claims history, property condition, and credit score all influence the decision.

The insurer's review of your risk to decide whether to offer coverage and at what price. Example: a homeowners application asks about roof age, claims history, dog breed, pool, and trampoline. A 22-year-old roof, a recent claim, and a high-bite-risk dog may decline the application even if everything else looks clean.