Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
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 →Does homeowners insurance cover flood damage in Georgia? A standard homeowners insurance policy does not cover flood damage. This catches many Georgia homeowners by surprise, and the distinction…
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.
