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

Why use an independent agent instead of going direct to a carrier?

All FAQs

Quick answer: When you go direct to a carrier, you see only that company's rates and products.

An independent agent works for you rather than for any single insurance company. That distinction shapes everything from how your coverage is shopped to what happens when your carrier raises rates at renewal.

What does an independent agent do that a direct carrier cannot?

A direct carrier shows you one company's products at one company's price. An independent agent can compare coverage and pricing across multiple carriers and place you with the one that fits your risk profile and budget. Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent property and casualty agency licensed in Georgia. Because we are not tied to one company's lineup, we shop your coverage across the personal carriers and commercial carriers available through us.

To understand the difference between the entity that underwrites your policy and the agent who places it, see our FAQ on the difference between an insurance carrier and an agent.

How does shopping multiple carriers save you money?

Insurers price the same risk very differently. One company may view older homes favorably while another charges more for them. One may give the best rate for a family with a teen driver while another penalizes it sharply. Without access to more than one carrier, there is no way to know whether the quoted premium is competitive.

For example, a Roswell homeowner shopping direct might be quoted $2,800 a year for homeowners insurance from one carrier. The same coverage, placed by an independent agent with a carrier that views that roof and zip code more favorably, might come in at $2,200. That is $600 saved with no reduction in protection, simply by having access to more than one option.

Who does an independent agent work for?

An independent agent's obligation runs to the policyholder, not to any carrier. That means when two carriers offer comparable coverage, the agent can steer toward the one with the better price, broader terms, or stronger claims history for your type of property. A captive agent, by contrast, represents one company and can only offer that company's products regardless of fit. For more on how a placement decision gets made, see our FAQ on how we choose which carrier to place you with.

What happens when your carrier raises rates at renewal?

An independent agent can re-shop the market at renewal and move you to a different carrier without requiring you to start the search from scratch. A direct relationship with one company leaves you to repeat the entire process on your own.

For example, a Marietta homeowner whose carrier raised rates by 22 percent at renewal could have the policy re-shopped across multiple carriers in a single conversation with an independent agent, rather than calling several companies individually and repeating the same information each time.

How do you find out whether your current coverage is competitively priced?

A free coverage review compares your current policy against what is available through multiple carriers. If the coverage is already competitively placed, that confirmation has value too. To learn what a review involves, see our FAQ on what a free coverage review covers. If you have never had your coverage compared across multiple carriers, request a free coverage review and a licensed advisor will show you your options side by side.