Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
Can renters get umbrella insurance? Yes. Renters qualify for an umbrella policy just as homeowners do. Umbrella coverage is tied to liability exposure, not to property ownership, so...
Read article →A personal articles floater lets you schedule, specifically list, high-value items so each one is insured for its full appraised or agreed value. Standard homeowners policies cover personal...
Read article →Yes, but the coverage has limits that catch most people off guard. A standard homeowners policy does cover jewelry, but it applies a sublimit to theft of jewelry...
Read article →Actual cash value changes what a claim pays by subtracting depreciation before the insurer writes the check - the older the damaged property, the smaller that check gets,...
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 →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 →Your homeowners policy states its settlement basis in the loss-settlement provision, usually referenced on the declarations page or spelled out in a policy endorsement - and many homeowners...
Read article →Yes, in many cases a personal umbrella policy can cover lawsuits that arise from social media posts. Most umbrella forms include personal injury coverage, which in insurance terms...
Read article →Scheduled jewelry insurance covers you worldwide in most cases, but the answer depends on how your pieces are insured. Standard homeowners coverage and a scheduled jewelry floater treat...
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
