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Coverage

MY HOME AND FAMILY

My Home I own a home, condo, or rental property My Car I drive and want real protection, not just minimums My Home and Car I own a home and a car and want to save by bundling both My Belongings I rent and my landlord's policy does not cover me Against a Big Loss One lawsuit could wipe out everything I have built Against Flooding My standard policy covers zero flood damage My Rental Income I rent out a property and need landlord coverage
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MY BUSINESS

My Business Property and Liability I need one policy that covers my business basics Against a Customer Claim Someone got hurt or I caused damage to their property My Business Vehicles My personal auto policy does not cover business use My Employees Workers comp is required for most employers Against a Data Breach A cyberattack could cost my business $200,000 or more My Professional Work My advice or service caused a loss and I am being sued
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Carriers

We shop all of these for you. You see every option.

A-rated carriers across personal and commercial. One independent advisor. No loyalty to any single company.

PERSONAL
Travelers Complex homes Progressive Auto bundling Nationwide Broad coverage Safeco Mid-range homes Openly High value homes Hippo Newer construction

COMMERCIAL
Travelers Broad commercial The Hartford Small business Nationwide Mid-market CNA Professional liability Hanover Complex risks

How do these carriers actually compare? View all carriers
Claims

ROADSIDE & TOW
Do I have roadside? Most people don't know what they have Lockout, dead battery, flat Use roadside, do not file a claim Tow needs and accident scene After a collision, what to do first Carrier roadside numbers Direct phone lines for major carriers

FILE A CLAIM
First 24 hours What to say (and not say) Document the loss Common pitfalls

KNOW YOUR RIGHTS
Acknowledgment timeline Decision timeline Bad faith law Filing a complaint Your state's full rights →

Have you ever checked if you have roadside?

Most people who think they do don't. We can check your current policy and tell you exactly what's covered.
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Resources

WHAT ARE YOU TRYING TO FIGURE OUT?
Understand Your Coverage Plain English guides on what policies cover and what they do not Get a Specific Question Answered Common questions answered without insurance jargon Coverage Guides Plain English overviews of every personal and commercial line we write Look Up an Insurance Term Plain definitions of deductible, declarations page, RCV, and other industry terms
About

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Home
FAQs
What does the HOA master policy cover vs what unit owners need?

What does the HOA master policy cover vs what unit owners need?

Quick answer: The HOA master policy covers the building shell and common areas.

Still have questions? Our independent agents are happy to walk you through your options.

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Related Questions

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What triggers a directors and officers claim for a Georgia private company?
What is the difference between claims-made and occurrence policies?
How long does it take to get lockout service?

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Independent insurance for families, homeowners, and businesses. We work for you, not one insurance company.

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Johns Creek, GA 30097
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Insurance products are offered through Olive Insurance Services, LLC. Coverage availability, premiums, and terms vary by carrier and state. Not all products are available in all states.