Coverage
Can I insure horses or livestock in Georgia?
Horses and livestock can be insured in Georgia. The structure that fits depends on what animals are owned, how they are used, and what they are worth. What…
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Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
Coverage
How is farm insurance different from standard homeowners?
Farm insurance and standard homeowners insurance are not interchangeable. A homeowners policy is designed for a residence. A farm policy is designed for a property that also operates…
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Coverage
Does condo insurance include personal liability coverage?
What does personal liability coverage on a condo policy actually pay for? Yes. A standard condo unit owner policy includes personal liability coverage. It pays on your behalf…
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Coverage
Does condo insurance cover HOA special assessments in Georgia?
Does condo insurance cover HOA special assessments? Condo insurance can cover HOA special assessments, but only through a specific coverage called loss assessment coverage, and only up to…
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Coverage
What is the most common coverage gap for Georgia condo owners?
The most common coverage gap for Georgia condo owners sits between the condo association's master policy and the owner's individual unit policy. Most owners do not realize this…
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Coverage
Should I require renters insurance from my Georgia tenants?
Georgia landlords can legally require renters insurance from tenants as a condition of the lease. The requirement protects both sides: the tenant's belongings and personal liability are covered…
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Coverage
Does my Georgia condo policy cover water backup from drains or sewers?
Georgia HO-6 policies do not automatically cover water backup from drains or sewers. The standard condo form treats this as a separately excluded peril, and an endorsement is…
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Coverage
What is the difference between a bare walls and all-in HOA master policy in Georgia?
The difference between a bare walls and an all-in HOA master policy is where the association's coverage stops and your personal condo coverage must begin. A bare walls…
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Coverage
Does my Georgia homeowners policy cover dog bites?
Georgia homeowners policies typically include personal liability coverage, and that coverage generally extends to dog bite injuries. If a dog bites someone, the liability portion of the policy…
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Coverage
Do I need separate professional liability if I run a consulting business from home in Georgia?
Many home consulting businesses in Georgia cross into professional liability territory because homeowners and general liability policies do not cover financial harm from professional work. Professional liability, also…
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Coverage
What does boat insurance cover in Georgia?
In Georgia, boat insurance covers damage to your watercraft, injuries or property damage you cause to others on the water, and a range of extras built for life…
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Coverage
Why is homeowners insurance not enough coverage for my boat?
Why is homeowners insurance not enough coverage for a boat in Georgia? Georgia homeowners insurance was not designed to cover watercraft. Homeowners policies cover the house and personal…
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