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Free Coverage Review

HOMEOWNERS INSURANCE · GEORGIA

Georgia homeowners insurance, honestly placed.

A standard HO-3 policy covers more than most people think and less than most people assume. We compare your home to what A-rated carriers actually price it at, flag the coverage gaps before a claim, and place you where the math and the carrier appetite line up. No captive sales pitch.

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WHAT'S COVERED

What your homeowners policy actually covers

Dwelling (Coverage A)

Pays to rebuild your home after a covered loss. The limit must reflect today's Georgia rebuild cost, not market or tax value.

Other Structures (B)

Covers detached garages, sheds, fences, and pools at typically 10 percent of the dwelling limit. Can be raised when needed.

Personal Property (C)

Covers your belongings at 50 to 70 percent of dwelling. Jewelry, firearms, and electronics have sub-limits and need scheduling.

Liability and Loss of Use

Personal liability if someone is hurt, plus loss of use to pay temporary housing if your home is unlivable after a loss.

Dwelling (Coverage A)

Pays to rebuild your home after a covered loss. The limit must reflect today's Georgia rebuild cost, not market or tax value.

Other Structures (B)

Covers detached garages, sheds, fences, and pools at typically 10 percent of the dwelling limit. Can be raised when needed.

Personal Property (C)

Covers your belongings at 50 to 70 percent of dwelling. Jewelry, firearms, and electronics have sub-limits and need scheduling.

Liability and Loss of Use

Personal liability if someone is hurt, plus loss of use to pay temporary housing if your home is unlivable after a loss.

IMPORTANT LIMITATIONS

What a standard Georgia policy does not cover

Flood

Excluded on every standard homeowners policy. Covered by a separate NFIP or private flood policy. We write both in flood-zone Georgia.

Earth movement

Earthquake, landslide, sinkhole, and mudslide. Georgia sits on the Eastern Tennessee Seismic Zone. Endorsement is cheap for most North Atlanta homes.

Service line breakdown

Water, sewer, and power lines from street to foundation are your responsibility. HVAC and appliance breakdown also excluded. Both are cheap endorsements.

Wear and tear

No policy pays for gradual deterioration, rot, pest damage, or poor upkeep. If your roof is past its actuarial life, payout may be limited to actual cash value.

IMPORTANT LIMITATIONS

What a standard Georgia policy does not cover

Flood

Excluded on every standard homeowners policy. Covered by a separate NFIP or private flood policy. We write both in flood-zone Georgia.

Earth movement

Earthquake, landslide, sinkhole, and mudslide. Georgia sits on the Eastern Tennessee Seismic Zone. Endorsement is cheap for most North Atlanta homes.

Service line breakdown

Water, sewer, and power lines from street to foundation are your responsibility. HVAC and appliance breakdown also excluded. Both are cheap endorsements.

Wear and tear

No policy pays for gradual deterioration, rot, pest damage, or poor upkeep. If your roof is past its actuarial life, payout may be limited to actual cash value.

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.

Chubb

A++ Superior

World's largest publicly-traded P&C insurer. AM Best A++. High-net-worth homes, autos, jewelry, and umbrella with white-glove claims service.

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Travelers

A++ Superior

AM Best A++ founded 1853. Strong on bundled home and auto, umbrella, and commercial lines with conservative underwriting and stable pricing.

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Nationwide

A+ Superior

Mutual carrier rated AM Best A+. Solid bundled home and auto in North Atlanta with strong claims satisfaction and farm/rural appetite.

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AIG

A Excellent

AIG Private Client Group rated A. Ultra-high-net-worth coverage for $1M+ homes, fine art, jewelry, yacht, and high-limit personal excess.

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Hippo

A Exceptional

Munich Re-backed, rated A. Smart-home-focused homeowners with free monitoring sensors. Best for newer construction with digital service model.

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Openly

A Exceptional (Berkshire Hathaway)

Berkshire Hathaway-backed, rated A. HO-5 open-perils homeowners with extended replacement cost included by default for higher-value homes.

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Stillwater

A Exceptional

Specialty carrier rated A. Non-standard homeowners for hard-to-place risks: older homes, prior claims, properties standard markets decline.

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Branch

Demotech A Exceptional (not AM Best rated); some Branch policies underwritten through General Security National, AM Best A+

Demotech A Exceptional. Tech-forward bundled home and auto with fast digital quotes for North Atlanta suburbs outside Atlanta city limits.

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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

Upload your current dec page. We will tell you what it actually covers.

Send the declarations page from your current homeowners policy. We read it against our A-rated markets and flag the gaps in plain English. If your current carrier is already the right fit at the right price, we will tell you that too.

Roughly $1,400 to $2,800 per year for a standard home

Free Coverage Review