Find your coverage gaps in 60 seconds.

A plain-language look at where your homeowners policy may fall short. No email required, no spam, no jargon. Educational only.

Your Coverage Snapshot

Answer each question honestly. There are no wrong answers — this just helps us point out where gaps are most likely. When you submit, we'll pre-fill your coverage review request.

1. Do you own or rent your home?

Owners need homeowners insurance for their dwelling and liability. Renters need renters insurance for personal property — your landlord's policy doesn't cover your belongings.

2. Do you have auto insurance?

Georgia requires minimum liability coverage but minimum limits are often far too low to protect your assets after a serious accident. If you only carry state minimums, you likely have a gap.

3. Do you have a flood insurance policy?

Standard homeowners and renters policies NEVER cover flood damage. Flood is one of the most common uncovered losses in Georgia — even outside designated flood zones.

4. Do you have an umbrella or excess liability policy?

If someone sues you and the judgment exceeds your home or auto liability limits, you pay the rest personally. Umbrella coverage costs as little as $200/year and provides $1M+ in extra protection.

5. Do you run any business from your home?

Standard homeowners policies typically exclude or strictly limit business property and business liability. A home-based business — even a small one — often needs a business endorsement or a separate BOP.

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No obligation. A licensed agent follows up within one business day with a personalized summary.

Educational only. Olive Insurance Services, LLC (dba Olive Cover) is a licensed property and casualty agency in Georgia.

Common Coverage Gaps in Georgia

  • Flood exclusion — Standard homeowners policies do not cover flood. Requires a separate NFIP or private flood policy.
  • Low liability limits — Minimum-liability auto policies leave your savings and assets exposed in a serious accident.
  • No umbrella coverage — Lawsuits can exceed your home/auto limits. Umbrella adds $1M+ in coverage for typically under $300/yr.
  • Home business excluded — Running any business from home without an endorsement or BOP leaves equipment and liability uncovered.
  • Jewelry / valuables sub-limits — Most homeowners policies cap jewelry coverage at $1,500–$2,500. A scheduled endorsement fully covers high-value items.
  • No renters insurance — Your landlord's policy covers the building — not your stuff. Renters insurance fills that gap for as little as $15/month.