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UMBRELLA INSURANCE · GEORGIA

Personal umbrella insurance for Georgia homeowners and drivers.

Georgia's minimum auto liability limits are $25,000 per person. A serious accident can generate $500,000 or more in damages. A personal umbrella adds $1M to $5M of liability coverage above your home and auto policies. It is the most affordable way to protect against catastrophic claims.

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WHAT'S COVERED

What a personal umbrella covers

Excess Liability Above Auto and Home

Kicks in after your underlying homeowners or auto liability is exhausted. A $1M umbrella costs a fraction of what a serious liability judgment costs.

Personal Injury Liability

Pays if you are sued for defamation, libel, or false arrest not covered by underlying policies.

Worldwide Coverage

Some umbrella policies extend worldwide liability coverage beyond domestic underlying policies.

IMPORTANT LIMITATIONS

What a personal umbrella does not cover

Your own injuries and property

Umbrella policies do not cover your own injuries or property damage to your own property.

Business activities

Claims arising from your business activities are excluded. Business umbrella is a separate product.

Intentional acts

Intentional acts and criminal activity are excluded from all umbrella policies.

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

Carrying $100,000 liability on your home? It may not be enough.

A $1M personal umbrella typically costs under $300 per year. Send us your current home and auto carrier information and we will get you quoted.

$150 to $350 per year per $1M of coverage

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