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.

Does homeowners insurance cover flood damage?

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

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.

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.

Does Olive Cover sell pet insurance in Georgia?

All FAQs

Quick answer: Olive Cover does not place pet insurance directly; Georgia's pet market is direct-to-consumer through pet-specialty carriers. Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent property and casualty agency that places home, auto, and umbrella coverage.

No, Olive Cover does not place pet insurance directly. Georgia's pet insurance market operates on a direct-to-consumer model, meaning pet owners buy policies straight from pet-specialty insurance carriers rather than through a local independent agency.

Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent property and casualty agency licensed in Georgia and Alabama (NPN 22116940). The agency places home, auto, and umbrella coverage, comparing options across multiple carriers for those lines. Pet insurance sits in a different part of the insurance market: pet-specialty carriers underwrite and sell it directly to consumers online or by phone, without routing through local independent agencies the way homeowners or auto coverage typically does.

This distinction matters for a pet owner researching coverage. A Georgia resident shopping for a homeowners policy can work with an independent agency that compares several carriers on their behalf. That same resident shopping for pet insurance is generally comparing carriers on their own, directly on each carrier's website, since the distribution model for pet insurance does not run through independent agencies the way property and casualty lines do.

None of this affects how pet insurance itself works. Cost still depends on the pet's breed, age at enrollment, deductible, and reimbursement rate, typically $30 to $90 a month for dogs and $15 to $40 for cats. Coverage rules around pre-existing conditions still apply the same way regardless of which carrier a pet owner chooses, including special considerations for older pets. And Georgia's consumer protections, including the bad-faith claim process under O.C.G.A. 33-4-6, apply to insurers doing business in the state regardless of how the policy was purchased.

For the coverage Olive Cover does place, a Georgia or Alabama homeowner or driver can start with a free coverage review, or read more about homeowners insurance and renters insurance on the site. Details on the agency itself, including its license and service area, are on Olive Cover's about page.