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LANDLORD INSURANCE · GEORGIA

Georgia landlord insurance written for real rental property, not a homeowners policy with a sticker on it.

A rental property is a different insurance product than an owner-occupied home. Using a homeowners policy on a tenant-occupied unit is a denied-claim waiting to happen. A proper DP-3 or landlord-specific policy covers the structure, lost rents, and liability in a way an HO-3 will not.

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WHAT'S COVERED

What a Georgia landlord policy covers

Dwelling (Coverage A)

Covers the rental structure at replacement cost. Same as HO-3 dwelling but written for tenant occupancy. Match rebuild cost.

Fair Rental Value (D)

Pays the rent you would have collected while the property is unlivable after a covered loss. Often the highest-value coverage.

Premises Liability

Pays if a tenant or visitor is injured and the claim points to a landlord duty (stairs, railing, pool). Carry $500k or $1M.

Vandalism and Theft

Covers tenant or third-party vandalism and theft of building items. Important between tenancies and during rehabs.

Dwelling (Coverage A)

Covers the rental structure at replacement cost. Same as HO-3 dwelling but written for tenant occupancy. Match rebuild cost.

Fair Rental Value (D)

Pays the rent you would have collected while the property is unlivable after a covered loss. Often the highest-value coverage.

Premises Liability

Pays if a tenant or visitor is injured and the claim points to a landlord duty (stairs, railing, pool). Carry $500k or $1M.

Vandalism and Theft

Covers tenant or third-party vandalism and theft of building items. Important between tenancies and during rehabs.

IMPORTANT LIMITATIONS

What a landlord policy does not cover

Tenant belongings

The tenant's property is the tenant's problem. Require renters insurance in the lease and verify proof of policy at move-in. A required-renters clause is free and reduces your liability exposure meaningfully.

Short-term rental exposure

Most landlord policies exclude short-term rental use (Airbnb, VRBO, corporate short-stay). If the unit is rented for less than 30 days at a time, you need a short-term rental or commercial policy. Carrier appetite for STR is tight in Georgia right now.

Flood and earth movement

Excluded like every property policy. NFIP or private flood and an earthquake endorsement are separate. Rental property in flood zones is often mis-priced by out-of-state carriers; local review helps.

Contents you leave in the unit

Furniture, appliances, and landlord-owned contents are limited to 10 percent of the dwelling amount by default and are sometimes excluded entirely on unfurnished rentals. Furnished rentals need a scheduled contents limit.

IMPORTANT LIMITATIONS

What a landlord policy does not cover

Tenant belongings

The tenant's property is the tenant's problem. Require renters insurance in the lease and verify proof of policy at move-in. A required-renters clause is free and reduces your liability exposure meaningfully.

Short-term rental exposure

Most landlord policies exclude short-term rental use (Airbnb, VRBO, corporate short-stay). If the unit is rented for less than 30 days at a time, you need a short-term rental or commercial policy. Carrier appetite for STR is tight in Georgia right now.

Flood and earth movement

Excluded like every property policy. NFIP or private flood and an earthquake endorsement are separate. Rental property in flood zones is often mis-priced by out-of-state carriers; local review helps.

Contents you leave in the unit

Furniture, appliances, and landlord-owned contents are limited to 10 percent of the dwelling amount by default and are sometimes excluded entirely on unfurnished rentals. Furnished rentals need a scheduled contents limit.

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.

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

Tell us how many rentals you own and how they are occupied. We will build the program.

One rental or ten, long-term or short-term, single-family or multi-unit. Send the addresses and the current policies. We will quote across carriers that actually want rental property and show you what the right program looks like.

Roughly $1,100 to $2,400 per year per property

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