HOMEOWNERS INSURANCE · GEORGIA

Georgia homeowners insurance, honestly placed.

A standard HO-3 policy covers more than most people think and less than most people assume. We compare your home to what A-rated carriers actually price it at, flag the coverage gaps before a claim, and place you where the math and the carrier appetite line up.

Free Coverage Review

WHAT'S COVERED

What a Georgia homeowners policy covers

Dwelling Coverage (Coverage A)

Pays to repair or rebuild your home if damaged by fire, wind, hail, lightning, and other covered perils. Should be set to full replacement cost, not market value.

Personal Property (Coverage C)

Covers your personal property: furniture, electronics, clothing, appliances. Most policies default to actual cash value. Replacement cost content coverage is worth the added premium.

Personal Liability (Coverage E)

Pays if someone is injured on your property or you accidentally damage someone else's property. Standard policies include $100,000 to $500,000. Most homeowners should carry more.

Loss of Use (Coverage D)

Pays your hotel, rent, and living costs while your home is being repaired.

IMPORTANT LIMITATIONS

What a Georgia homeowners policy does not cover

Flood damage

Flood damage is excluded from every standard homeowners policy. You need a separate flood policy through NFIP or a private carrier.

Earthquake and earth movement

Earth movement including sinkholes is excluded. Earthquake coverage is a separate endorsement.

Gradual water damage and mold

Damage from gradual water leaks, mold, rot, and pests is excluded. Only sudden and accidental water damage is covered.

Intentional damage

Intentional acts by the insured are excluded.

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.

No items found.

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.

Read full answer →

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.

Read full answer →

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.

Read full answer →

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.

Read full answer →

GET STARTED

When did you last review your homeowners coverage limits?

Most Georgia homeowners we review are underinsured on dwelling coverage, are carrying actual cash value instead of replacement cost on contents, and have liability limits that haven't been reviewed since the policy was first written.

$1,800 to $5,500 per year for most Georgia homes

Free Coverage Review