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.

Does Tennessee Home Insurance Cover Tornado Damage?

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. A standard Tennessee homeowners policy covers tornado and windstorm damage -- wind is a named covered peril, so damage to the structure and contents from a tornado is generally covered.

Yes. A standard Tennessee homeowners policy covers tornado and windstorm damage - wind is a named covered peril, so damage to the structure and contents from a tornado is generally covered. Two things to watch: many Tennessee policies apply a separate wind/hail deductible (sometimes a percentage of the home's value rather than a flat dollar amount), and flooding, including flooding driven by the same storm system, is excluded and needs separate flood coverage.

Tennessee sits in "Dixie Alley," a region of frequent, fast-moving, and often nighttime tornadoes across West and Middle Tennessee. Example: a spring storm sends a tornado through a Middle Tennessee neighborhood; the wind damage to the roof and interior is a homeowners claim, but if the same system also causes the creek behind the house to overflow into the basement, that water damage falls to a flood policy, not the homeowners policy. Knowing your wind/hail deductible before a storm is what determines your out-of-pocket cost.