FLOOD INSURANCE · GEORGIA

Flood insurance for Georgia homeowners and businesses.

Standard homeowners and commercial property policies exclude flood damage. Not just for properties in mapped flood zones: localized Georgia storms regularly flood homes that FEMA does not consider high risk. Flood insurance through NFIP or private carriers is the only coverage that pays for flood damage.

Free Coverage Review

WHAT'S COVERED

What flood insurance covers

Building Coverage (Structure)

Covers the building structure itself including foundation, electrical, plumbing, HVAC, and appliances permanently installed.

Contents Coverage

Covers personal belongings including furniture, electronics, clothing, and valuables stored above ground level.

Private Flood Enhancements

Private flood carriers often offer coverage that NFIP does not: higher limits, replacement cost on contents, and loss of use.

IMPORTANT LIMITATIONS

What flood insurance does not cover

Sewer backup and sump pump overflow

Overflow from a sump pump or sewer backup is not covered under standard flood policies. A separate endorsement is required.

Loss of use and additional living expenses (NFIP)

NFIP policies do not cover temporary housing costs while your home is being repaired after a flood.

Detached structures and landscaping

Property owned outside the insured building including landscaping, fencing, and detached structures may have limited or no coverage.

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

Do you know your actual Georgia flood risk?

Most Georgia homeowners outside mapped flood zones still face meaningful flood risk from localized storms. Send your property address and we will check your actual flood risk and quote both NFIP and private options.

$400 to $1,500 per year through NFIP. Private flood often lower for lower-risk zones.

Free Coverage Review