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 does a free coverage review actually involve?

All FAQs

Quick answer: You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

A free coverage review is a no-cost, no-obligation look at the insurance policies you already carry. There is no sales pitch and no pressure to change anything. A licensed advisor goes through your current policies, identifies gaps or overlaps, and shows you whether better options exist across the carriers available through Olive Cover.

What does the coverage review process involve?

The review starts with your declarations pages, the summary sheets that list your coverages, limits, deductibles, and premiums. If you do not have them handy, the advisor can help you locate them. From there, the review covers four areas:

Whether your coverage limits still reflect today's costs. A dwelling limit set five years ago may fall well short of what rebuilding would actually cost now.
Gaps that leave you exposed. Flood damage is not covered by a standard homeowners policy, and many Georgia homeowners in moderate-risk zones carry no flood coverage at all.
Overlaps where you may be paying for protection you already have somewhere else.
Discounts you may not be using. Bundling home and auto with the same carrier is one of the most common sources of savings identified during a review.

What does a coverage review actually find?

For example, a family in Dunwoody brings in their home and auto declarations pages. Their home is insured for $320,000. Current construction costs in the area put the actual rebuild at roughly $410,000, leaving a $90,000 gap their policy would not cover. The review also surfaces a bundling discount they were not capturing, $240 a year in savings. After adjusting the dwelling coverage limit and consolidating their policies, they end up better protected at nearly the same annual cost.

Is the review a sales presentation?

The review is not a product demonstration. It is a structured look at where coverage stands and where it does not. You leave with a clear picture of what your policies actually cover, what they exclude, and what your out-of-pocket exposure looks like if something happens. If a change makes sense, a licensed advisor walks you through the options and answers your specific questions, drawing on your actual policies rather than general scenarios.

For example, a renter who has never carried renters insurance learns during a review that their landlord's policy covers the building but nothing inside it. Their laptops, furniture, and clothing would not be replaced by any policy currently in force.

How long does a coverage review take and what is required?

There are no forms to mail, no waiting period, and no charge. The review takes place over a call or in person, on a schedule that works for you. The main input needed is your current declarations pages, or the ability to locate them with the advisor's help. The process typically takes 30 to 45 minutes depending on the number of policies being reviewed.

How do I request a free coverage review from Olive Cover?

Olive Cover (operated by Olive Insurance Services, LLC) conducts coverage reviews at no cost for Georgia and Alabama residents. Scheduling takes place through the coverage review page. More detail on available coverage types is at home insurance and the broader carriers page.