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CONDO INSURANCE · GEORGIA

Condo insurance for Georgia unit owners.

A condo owner has two layers of coverage: the HOA master policy that covers the building shell and common areas, and your personal HO-6 policy that covers everything inside your unit. Most condo owners do not know where one ends and the other begins until they file a claim.

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WHAT'S COVERED

What an HO-6 condo policy covers

Personal Property

Covers your personal property inside the unit: furniture, electronics, clothing, and appliances.

Improvements and Betterments

Covers improvements and upgrades made to the unit such as flooring, cabinets, and fixtures above the builder-grade standard.

Personal Liability

Pays if someone is injured inside your unit or if you accidentally damage a neighbor's property.

Loss of Use

Pays your living costs if the unit becomes uninhabitable due to a covered loss.

IMPORTANT LIMITATIONS

What an HO-6 condo policy does not cover

Flood damage

Flood is excluded from HO-6 policies. You need a separate flood policy whether through NFIP or a private carrier.

Earthquake

Earthquake is excluded. A separate earthquake endorsement or policy is needed.

Common areas and building exterior

The master policy covers the building exterior and common areas. Your HO-6 covers from the walls in. Disputes about the boundary are common after losses.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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GET STARTED

Not sure where the HOA policy ends and yours begins?

Many condo owners don't know what the HOA master policy actually covers. Send your HOA docs and dec page and we will show you where your coverage starts and ends.

$250 to $900 per year for Georgia condo owners

Free Coverage Review