Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
No. Liability coverage, the part of a policy that pays someone else when you are legally responsible for their injury or property damage, does not carry a deductible.…
Read article →An umbrella policy pays the part of a claim that exceeds your home, auto, or other underlying liability limits, up to the umbrella's own much higher ceiling. Every…
Read article →A declarations page changes at every renewal, even when nothing about your home or driving has changed. The dwelling limit often moves with an inflation guard endorsement that…
Read article →A single policy commonly carries more than one deductible, because different types of loss are priced and triggered separately. A homeowners policy often has one deductible for most…
Read article →A declarations page, often called the "dec page," is the one-page summary at the front of your insurance policy that lists the key facts of your coverage. It…
Read article →A deductible comes off the top of a covered claim: the carrier calculates the full covered loss amount, subtracts the deductible, and pays the difference. If a covered…
Read article →Identity theft insurance does not cover the actual money a thief steals - it reimburses the cost of recovering your identity afterward, not the direct financial loss itself.…
Read article →Even on an otherwise replacement-cost homeowners policy, several property categories commonly settle at actual cash value (ACV) rather than full replacement cost (RCV). Roofs are the most common:…
Read article →Builders risk insurance covers a building while it is under construction or renovation. It is a temporary policy, it exists for the life of the project and typically…
Read article →The answer depends on which side of the booking you are on. If you own and rent the property, you need short-term rental insurance or a dedicated endorsement.…
Read article →Are livestock and exotic pets covered as personal property? No. A standard homeowners policy generally covers household pets such as dogs and cats for liability coverage if they…
Read article →Eligibility for a business owners policy (BOP) is set by the class of business, not just its size. Insurers built the BOP form to serve the bulk of…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
