SCHEDULED PERSONAL PROPERTY INSURANCE · GEORGIA

Scheduled personal property insurance in Georgia.

Standard homeowners and renters policies cover personal property as a group up to a total limit, with sublimits for specific categories. Cameras, musical instruments, sports equipment, and collectibles often exceed these sublimits. A scheduled articles rider or standalone policy covers each item individually at its agreed value.

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WHAT'S COVERED

What scheduled personal property covers

Individual Item Scheduling

Each item is insured for a specific agreed or appraised value. No depreciation. No sublimit.

Worldwide Coverage

Coverage follows the item anywhere in the world, not just at home.

Broader Coverage Than Homeowners

Includes accidental damage, mysterious disappearance, and loss in addition to theft.

IMPORTANT LIMITATIONS

What scheduled personal property does not cover

Wear and deterioration

Items worn out through normal use are not covered.

Mechanical or electronic failure

Electronic failure not caused by a covered peril is excluded.

Intentional damage or gifting

Items intentionally damaged or given away are excluded.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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GET STARTED

Have valuable items that need individual coverage?

If you have cameras, instruments, sports equipment, or collectibles worth more than your homeowners sublimit covers, send us an inventory and we will get them properly scheduled.

$80 to $400 per year for most scheduled Georgia items

Free Coverage Review