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.

Do I need Tennessee car insurance if I'm stationed at Fort Campbell?

Availability note: Olive Cover is the brand of Olive Insurance Services, LLC, an independent property and casualty insurance agency licensed in Georgia and Alabama. We are not licensed in all states. Nothing on this page is an offer to sell, or a solicitation to buy, insurance in any state where we are not licensed. It is general education only, not insurance advice.

All FAQs

Quick answer: Yes, in most cases -- Tennessee requires proof of insurance meeting its Financial Responsibility Law (at least $25,000/$50,000/$25,000 split-limit) for any vehicle actually operated in the state, regardless of the registration flexibility Tennessee gives military members at Fort Campbell.

It depends on where your vehicle is currently titled and registered, not just where you're stationed. Fort Campbell itself straddles the Tennessee/Kentucky line, and Tennessee's own vehicle registration rules give military members more flexibility than civilian residents get.

How does Tennessee handle registration for military members at Fort Campbell?

Tennessee's Department of Revenue treats Fort Campbell as a cross-border installation for registration purposes. Military members stationed there, or members whose home of record on their current Leave and Earnings Statement is Tennessee, can generally title and register a vehicle either through the county where they're based or through their county of residence of record, rather than being forced into a single option the way a civilian mover would be.

Does that registration flexibility change the insurance requirement?

No. Any vehicle actually operated in Tennessee is still subject to Tennessee's Financial Responsibility Law, which currently requires a split-limit policy of at least $25,000 for injury or death to one person, $50,000 total per accident, and $25,000 for property damage (or a $65,000 single-limit policy, cash deposit, or bond as alternatives).

What should a service member who just PCS'd here check?

A service member who PCS'd to Fort Campbell from another state, still carrying that state's registration and a policy written to that state's minimums, needs to check two things separately: whether their current policy's limits meet Tennessee's, and whether their registration situation (home-of-record county versus Fort Campbell's local county) affects which state's rules actually apply day to day. Those two questions don't always have the same answer, which is exactly the kind of situation worth a specific check rather than an assumption either way.

Olive Cover's Tennessee auto insurance page covers the state's coverage requirements in more depth. A free coverage review can confirm whether a service member's current policy and registration situation actually satisfies what Tennessee requires, and Olive Cover's available carriers write auto policies across Tennessee.