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 →How is a percentage wind and hail deductible calculated? A wind and hail deductible is calculated as a percentage of your home's insured value, not as a flat…
Read article →Does a standard homeowners policy cover a home you rent out to tenants? A standard homeowners insurance policy is written for a home the owner occupies full time.…
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 →What do Georgia's 25/50/25 auto limits actually pay? Georgia requires every driver to carry at least 25/50/25 in liability coverage: $25,000 for bodily injury to one person, $50,000…
Read article →What do claims-made limits mean on Georgia professional liability? Most Georgia professional liability policies are written on a claims-made basis, which means the policy limit only applies if…
Read article →How do liability limits apply when a tenant is injured? When a tenant or guest is hurt on the property, the per-occurrence limit is the most the policy…
Read article →What coverages does a Georgia apartment building policy include? A Georgia apartment building needs a layered habitational insurance program. No single policy covers the full range of risks…
Read article →A general liability policy carries two different limits that answer two different questions. The per-occurrence limit caps what the policy pays for any single claim. The aggregate limit…
Read article →When an employee crashes their own car on a work errand, their personal auto policy pays first - but personal liability limits are often just $50,000 to $100,000…
Read article →The property limit on a Georgia business owners policy is set to the cost of replacing the building, equipment, and inventory at today's construction and replacement prices -…
Read article →A Georgia business owners policy (BOP) leaves out several coverages a Georgia business commonly needs, and every one of them requires a separate policy. See what a business…
Read article →Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
