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 Flood Insurance in Tennessee?

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: Possibly, and more people than realize it. Standard homeowners policies exclude flood everywhere, including Tennessee, so flood damage needs a separate policy through the National Flood Insurance Program (NFIP) or a private flood insurer.

Possibly, and more people than realize it. Standard homeowners policies exclude flood everywhere, including Tennessee, so flood damage needs a separate policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Tennessee's flood risk is inland, river and flash flooding, not coastal surge, and it is real: the May 2010 Middle Tennessee flood put much of Nashville underwater, caused more than $2 billion in damage, and hit many homes that were not in a mapped high-risk zone.

Anyone near a river or creek, in a low-lying area, or with a federally backed mortgage in a FEMA high-risk (Special Flood Hazard) zone should look closely - flood insurance is typically mandatory there. But the 2010 flood's lesson is that a large share of flood damage happens outside the mapped high-risk zones, where coverage is optional and often inexpensive. Example: a home mapped in a moderate-risk "X" zone is not required to carry flood insurance, but a flash flood from an extreme rain event can still fill its first floor, a loss the homeowners policy will not touch. A flood policy is the only thing that would.