Plain-language coverage insurance guides from Olive Cover. Practical coverage information for Georgia and Alabama homeowners, drivers, and business owners.
Personal property coverage on a renters insurance policy is a single dollar limit chosen when the policy is written. It applies to everything you own inside the unit,…
Read article →What underlying limits does an umbrella policy require? An umbrella policy does not stand alone. Before a carrier issues one, your underlying home and auto liability coverage has…
Read article →Does an umbrella policy require bundling home and auto with the same insurer? No. Most umbrella insurers will write coverage even if your home and auto are with…
Read article →The difference between agreed value and actual cash value comes down to what the insurer promises to pay after a loss. Agreed value sets a fixed dollar amount…
Read article →Does a homeowners policy cover an engagement ring? Your engagement ring sits under your homeowners policy - but almost certainly not for its full value. Standard homeowners insurance…
Read article →Choosing between NFIP and private flood insurance for a Georgia home comes down to five factors: coverage limits, how contents claims settle, the waiting period before coverage starts,…
Read article →What is the difference between a landlord policy and a renters policy? A landlord policy and a renters policy insure two different things for two different people. The…
Read article →A hired auto is a vehicle your business rents, leases, or borrows for work - your company is paying to use it. A non-owned auto is a personal…
Read article →Short answer: a true 1099 independent contractor usually does not need workers' compensation in Georgia, because workers' comp is an employer obligation and a genuine independent contractor is…
Read article →Georgia law requires most employers to carry workers' compensation insurance once they regularly employ three or more people. That threshold is set under O.C.G.A. Sec. 34-9-2(a)(2). If your…
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 →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
