Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
If your home will sit empty during a renovation, your standard homeowners policy may stop covering it after 30 to 60 days of vacancy. A vacant home policy…
Read article →The difference between vacant and unoccupied comes down to whether belongings are still present and whether someone plans to return. An unoccupied home is one where no one…
Read article →Most homeowners policies cover a home you live in, and they include a clause that limits or excludes certain claims once the house has been vacant for a…
Read article →Commercial crime insurance protects a business from financial losses caused by theft, fraud, and dishonesty, whether the wrongdoer is an employee, an outside criminal, or a scammer who…
Read article →Can I add identity theft coverage to my homeowners policy? Identity theft coverage is available as an endorsement on most homeowners policies, a separate add-on that modifies what…
Read article →Credit monitoring watches your credit reports in real time and sends an alert when something changes: a new account opened in your name, a hard inquiry you did…
Read article →What does identity theft insurance actually cover? Identity theft insurance covers the recovery costs after someone steals your personal information and uses it to commit fraud. The coverage…
Read article →What does equipment breakdown coverage typically cost for a small business? For most small businesses in Georgia, equipment breakdown coverage costs roughly $50 to $300 per year when…
Read article →Yes. When a covered equipment breakdown shuts down your refrigeration, equipment breakdown insurance can pay for the perishable goods that spoil as a result. Spoilage protection is one…
Read article →Commercial property insurance pays when an outside force damages your building or contents. Equipment breakdown insurance pays when your own machinery fails from an internal cause. They cover…
Read article →Builders risk coverage is temporary by design. It protects a structure during construction and ends once the project is complete, or earlier, depending on which of several defined…
Read article →Construction contracts determine who buys builders risk insurance on any given project. In Georgia, state law does not assign this responsibility, so when a contract is silent, both…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
