Skip to main content

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
See all personal coverage →

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
See all business coverage →
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.
Free Coverage Review
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

About Olive Cover Who we are, how we work, and why we exist News and Updates What is changing in insurance, and how it affects you

678-888-1011 Free Coverage Review

Home
FAQs
Should I file a small claim or pay out of pocket?

Should I file a small claim or pay out of pocket?

Quick answer: Compare the loss to your deductible plus 3 years of likely premium increase. Below that, pay it yourself.

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

Ask an Agent

Related Questions

What does a Georgia HOA master policy actually cover?
Do nonprofits need management liability insurance?
Does Olive Cover offer Chubb insurance?
Is Nationwide Commercial a good choice for Georgia farms?
What is Hanover known for in personal lines?

View all FAQs

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

678-888-1011 · 888-OLIVE10

hello@olivecover.com

6470 East Johns Crossing, Suite 160
Johns Creek, GA 30097
office visits by appointment only

Mon–Fri 9am–6pm ET · phone, video, or email

Personal Lines

Homeowners Insurance
Auto Insurance
Renters Insurance
Flood Insurance
Umbrella Insurance

Commercial Lines

Business Owners Policy
General Liability
Professional Liability
Commercial Auto
Workers Compensation

Company

About Olive Cover
Our Carriers
FAQ
Claims
Insights
News
Where We Do Business
Contact
Insurance Terms

Privacy Policy
AI Disclaimer
Terms of Service
Licensing

© 2026 Olive Insurance Services, LLC dba Olive Cover. All rights reserved. NPN 22116940. Licensed property and casualty agency.

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.