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

What is the difference between my insurance carrier and my insurance agent?

All FAQs

Quick answer: Your carrier is the company that actually pays your claim. Your agent is who you buy from.

Your insurance carrier is the company that actually insures you and pays your claims, while your insurance agent is the licensed professional who helps you choose coverage and acts as your advocate. They play very different roles, and understanding the difference helps you know who does what when you buy a policy or file a claim.

What does an insurance carrier do?

The carrier, also called the insurer, is the financial backbone of your policy. It collects your premium, sets the coverage rules within state law, and pays out when you have a covered loss. Names like Travelers, Nationwide, or Progressive are carriers. When a tree falls on your roof and you get a check, that money comes from the carrier.

What does an insurance agent do?

The agent is the person or agency that sells and services the policy. An independent agent represents you, not a single carrier, and can shop your coverage across multiple insurers to find a good fit. The agent explains your options, helps you set the right limits, answers questions at renewal, and stands beside you if a claim gets complicated. Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent property and casualty agency licensed in Georgia, so we work for you across the many carriers available through Olive Cover rather than pushing one company's products.

How does this difference play out in a real claim?

For example, a homeowner in Athens has a kitchen fire causing $40,000 in damage under their homeowners insurance. The carrier, perhaps Travelers, reviews the claim and issues payment under the policy. The agent helps the homeowner report the claim correctly, makes sure the right coverages apply, and follows up if the adjuster's first estimate seems low. The carrier holds the money; the agent helps you get what the policy owes you. If you need to start a claim, our claims help walks you through the first steps.

For example, an Atlanta business owner discovers their commercial property insurance carries a deductible far higher than they realized. The agent reviews the policy before the next renewal and restructures the coverage to match what the business can afford to absorb out of pocket. Without an agent involved, that gap would stay hidden until a claim revealed it.

Who do I contact for billing versus coverage questions?

Billing and claim payments run through the carrier, while coverage advice and shopping run through your agent. If your needs change or your renewal jumps, your agent can move you to a different carrier without leaving you on your own. To see which carriers fit your situation and have a real advocate in your corner, request a free coverage review and we will compare your options together.