Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
What is extended replacement cost on a Georgia homeowners policy? Extended replacement cost is an add-on that pays to rebuild your home even if the cost exceeds your…
Read article →On a Georgia homeowners policy, replacement cost pays what it actually costs to repair or rebuild with new materials of similar kind and quality today - no deduction…
Read article →A Georgia homeowners policy provides only limited coverage for home office equipment because it is built to cover personal property, not business property. Once equipment is used to…
Read article →Your property's FEMA flood zone is public record, and checking it takes about five minutes. FEMA's Flood Map Service Center at msc.fema.gov lets you enter your address and…
Read article →Yes, in two forms. Georgia homeowners can get flood coverage through NFIP, the federally backed program, or through private flood insurance from a Georgia-licensed insurer. A third route,…
Read article →Boat liability coverage on a Georgia policy works per occurrence: the limit you carry is the maximum the policy pays for all injuries and property damage from a…
Read article →Georgia's uninsured motorist (UM/UIM) coverage comes in two forms - added-on and reduced-by - and which one you carry changes what a claim actually pays. Both are offered…
Read article →Personal property coverage for most Georgia renters falls between $20,000 and $50,000, but the only reliable figure is the one built from your actual belongings. Adding up what…
Read article →How much umbrella coverage do Georgia households typically carry? Umbrella insurance is commonly sized to a household's net worth plus a cushion for future earnings, so that a…
Read article →Replacement cost coverage pays for a full roof replacement on a Georgia homeowners policy only if the roof itself is rated on a replacement cost basis. Many carriers…
Read article →When does the wind and hail deductible apply on a Georgia policy? The trigger language varies by policy. Some Georgia policies apply the wind and hail deductible to…
Read article →Most flood insurance policies carry a waiting period before coverage activates. For a policy through the National Flood Insurance Program (NFIP), the federally backed program that issues the…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
