Spot your likely coverage gaps in 60 seconds.

A plain-language look at where your homeowners policy may fall short. No email required, no spam, no jargon. Educational only.

Your Coverage Snapshot

Answer each question honestly, there are no wrong answers. You'll see your likely gaps instantly, right on this page. No email required to see your results.

Select your state to see what we can do for you there.

1. Do you own or rent your home?

Owners need homeowners insurance for their dwelling and liability. Renters need renters insurance for personal property, your landlord's policy doesn't cover your belongings.

2. Do you have auto insurance?

Every state requires minimum liability coverage, but minimum limits are often far too low to protect your assets after a serious accident. If you only carry state minimums, you likely have a gap.

3. Do you have a flood insurance policy?

Standard homeowners and renters policies NEVER cover flood damage. Flood is one of the most common uncovered losses, even outside designated flood zones.

4. Do you have an umbrella or excess liability policy?

If someone sues you and the judgment exceeds your home or auto liability limits, you pay the rest personally. Umbrella coverage typically adds $1M+ in extra protection for a modest annual cost -- a coverage review gives you your actual number.

5. Do you run any business from your home?

Standard homeowners policies typically exclude or strictly limit business property and business liability. A home-based business, even a small one, often needs a business endorsement or a separate BOP.

Get your full personalized summary, what each gap could cost, how to close it, and which of our carriers fit. A licensed advisor sends it within one business day:

No obligation. A licensed advisor follows up within one business day with your personalized summary.

Educational only. Olive Insurance Services, LLC (dba Olive Cover) is a licensed property and casualty agency in Georgia and Alabama.

Common Coverage Gaps

  • Flood exclusion, Standard homeowners policies do not cover flood. Requires a separate NFIP or private flood policy.
  • Low liability limits, Minimum-liability auto policies leave your savings and assets exposed in a serious accident.
  • No umbrella coverage, Lawsuits can exceed your home/auto limits. Umbrella adds $1M+ in coverage -- costs vary by situation, and a coverage review gives you your actual number.
  • Home business excluded, Running any business from home without an endorsement or BOP leaves equipment and liability uncovered.
  • Jewelry / valuables sub-limits, Most homeowners policies cap jewelry coverage at $1,500-$2,500. A scheduled endorsement fully covers high-value items.
  • No renters insurance, Your landlord's policy covers the building, not your stuff. The average Georgia renters policy costs about $205 a year (roughly $17/month).