Is RV insurance required in Georgia?

Yes for motorized RVs in Georgia (liability matches state auto minimums). Travel trailers borrow from the towing vehicle. Specialty RV coverage strongly recommended for physical damage and personal effects.

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.

How do I cancel my insurance policy?

Cancellation is a written request to the carrier with a specific date, usually 14 days notice. Most carriers refund unused premium pro rata. Never cancel before the new policy is in force.

What commercial coverage do Georgia businesses need beyond a business package policy and general liability?

Beyond a business package policy and general liability, the most common Georgia specialty commercial needs are commercial umbrella, inland marine, cyber, and management liability.

Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

General FAQs

How much does a coverage review cost?

All FAQs

Quick answer: Nothing. A coverage review with Olive Cover is completely free and carries no obligation.

What does a coverage review with Olive Cover cost?

A coverage review with Olive Cover is completely free, with no cost and no obligation. There is no fee, no requirement to purchase anything afterward, and no time limit on how long the review takes. The review exists to give a clear picture of where your coverage stands, whether that leads to a policy change or simply confirms you are well protected.

Why does a free review cost nothing if an advisor's time is involved?

Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent agent licensed in Georgia. When you place a policy through an independent agent, the insurance company pays the agent a commission that is already built into the standard premium. You do not pay more by working through an agent than by buying direct. The review itself is part of the advisory relationship, not a separate billable service. The FAQ on the difference between a carrier and an agent explains how that commission structure works in more detail.

What does a free review actually examine?

A coverage review looks at your full insurance picture and checks for the gaps that tend to cost people the most:

Whether your homeowners dwelling limit truly reflects today's rebuild cost
Whether your auto liability limits are high enough to protect your assets
Whether an umbrella policy would add meaningful liability protection above your base coverage
Whether your deductible levels match your comfort with out-of-pocket costs
Whether you are missing coverage for risks like flood that standard policies exclude

For a closer look at what flood exclusions mean for Georgia homeowners, the FAQ on flood exclusions in home insurance covers the key gaps.

What does a real coverage review find?

For example, a Kennesaw homeowner came in with a dwelling limit set six years earlier. Construction costs had climbed sharply since then, and the home was underinsured by roughly $90,000. A review surfaced that gap before a claim did, which is exactly when the problem is fixable. Correcting it added only a modest amount to the annual premium and removed a large financial exposure. For example, if that homeowner had experienced a total loss before catching the gap, the insurer would have paid out only the stated limit, leaving the owner to cover the $90,000 shortfall out of pocket. The FAQ on replacement cost vs. actual cash value explains how those two valuation methods affect what an insurer pays on a total-loss claim.

Can the review be used to shop for a better rate?

A coverage review can serve multiple purposes: confirming adequate protection, identifying gaps worth addressing, or comparing rates across the carriers available through Olive Cover. There is no pressure to switch, buy more, or change anything. The review gives you the information; the decision is yours. The FAQ on what a coverage review involves covers what to prepare and what to expect during the meeting.

Schedule your free coverage review and we will give you a clear look at where your coverage stands.