LANDLORD INSURANCE · GEORGIA

Landlord insurance for Georgia rental property owners.

A homeowners policy does not cover rental property. Once you rent your home to a tenant, most carriers require a separate DP-3 dwelling policy. Landlord insurance covers the structure, loss of rent, and your liability as the property owner.

Free Coverage Review

WHAT'S COVERED

What landlord insurance covers

Dwelling Coverage

Covers the physical structure: dwelling, attached garages, and permanent fixtures against fire, wind, hail, and other perils.

Loss of Rental Income

Pays your lost rental income if the property becomes uninhabitable due to a covered loss while it is being repaired.

Landlord Liability

Covers your liability if a tenant or visitor is injured on the property.

IMPORTANT LIMITATIONS

What landlord insurance does not cover

Tenant's personal property

Tenant's personal property is the tenant's responsibility. Encourage your tenants to carry renters insurance.

Flood damage

Flood damage is excluded. A separate flood policy is required.

Intentional tenant damage

Damage caused deliberately by a tenant may be excluded or subject to a separate claim process depending on the carrier.

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

Own a rental property in Georgia?

Rental property coverage is one of the most commonly misunderstood in Georgia. Send us your property address and rental arrangement and we will compare DP-3 carriers and explain exactly what you are covered for.

$800 to $2,500 per year for Georgia landlords

Free Coverage Review