Olive Cover Insurance
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Common Questions

Insurance FAQ

Honest answers to the questions we hear most. No fluff, no sales pitch.

Homeowners
Does homeowners insurance cover flood damage?How much dwelling coverage do I actually need?What is a wind and hail deductible in Georgia?What happens to my homeowners policy if I rent out my home?What is the difference between homeowners and condo insurance?Do I need to switch my homeowners policy if I rent out my house?
Auto Insurance
Are Georgia minimum auto insurance limits enough?What does uninsured motorist coverage do?Does auto insurance follow the car or the driver in Georgia?Does my auto policy cover a rental car?
Umbrella & Liability
How much does umbrella insurance cost in Georgia?Does umbrella insurance cover my business?Do I need umbrella insurance if I rent my home?
Flood Insurance
Does my homeowners policy cover flood damage?Is there a waiting period for flood insurance?Should I buy NFIP or private flood insurance in Georgia?
Jewelry & Scheduled Articles
Is my engagement ring covered under my homeowners insurance?What is mysterious disappearance coverage and why does it matter?What items can be scheduled on an articles floater?
Small Business
Do I really need a business owners policy if I already have general liability?What limits should I carry on general liability?What is the difference between general liability and professional liability?What is the difference between D&O, EPL, and fiduciary liability?How much does a data breach actually cost a small business?
Workers Compensation
Is workers comp really required for a 3-person business in Georgia?Do 1099 contractors need workers comp?What is an experience modification rate and why does it matter?
Landlord & Rental Property
Can I use a landlord policy for my Airbnb property?Can a Georgia landlord require tenants to carry renters insurance?Does my landlord's insurance cover my belongings?
Working With Olive Cover
How much does a coverage review cost?Why use an independent agent instead of going direct to a carrier?Does using an independent agent cost more?Is Olive Cover a licensed insurance agency?