Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

What commercial insurers can I access in Alabama through Olive Cover?

All FAQs

Quick answer: Olive Cover works with multiple commercial carriers available in Alabama and shops your business across them to bring back the options that fit your industry and operations.

Access to multiple carriers is the practical advantage of working with an independent agency rather than a single-carrier agent.

How many carriers does Olive Cover work with?

Olive Cover works with multiple commercial carriers available in Alabama and shops your business across them to bring back the options that fit.

Why does having multiple carriers matter?

Different carriers price different industries and risk profiles differently. A single-carrier agent can only offer what that one company will write, while shopping across multiple carriers surfaces options a single company might decline or price uncompetitively.

Example

A Mobile-area contractor might find one carrier prices their liability coverage competitively but declines their commercial auto, requiring a second carrier for that piece. Working across multiple carriers means both pieces get placed instead of one gap going unfilled.

How do I see what fits my business?

A free coverage review shops your specific business across the available carriers. See the carriers Olive Cover works with for more.