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UMBRELLA INSURANCE · GEORGIA

Georgia personal umbrella insurance, sized to what you actually have at risk.

An umbrella policy sits above your auto and home liability and adds $1M to $5M or more of protection, usually for $200 to $500 per year. It is the lowest-cost serious coverage in the personal lines world. We size it to your assets, not to a round number.

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WHAT'S COVERED

What a Georgia umbrella covers

Excess Auto Liability

Kicks in above your 250/500 or 500/500 auto liability. Adds $1M, $2M, or $5M of protection on top.

Excess Home and Rental

Sits above homeowners or landlord liability for pool, dog, injury, and premises claims. Affordable for rental owners.

Personal Injury Coverage

Adds libel, slander, invasion of privacy, and false arrest coverage above the underlying policy, plus defense costs.

Worldwide Defense Costs

Pays attorney and defense costs above the underlying policy. Defense alone can exhaust a primary policy in a contested suit.

Excess Auto Liability

Kicks in above your 250/500 or 500/500 auto liability. Adds $1M, $2M, or $5M of protection on top.

Excess Home and Rental

Sits above homeowners or landlord liability for pool, dog, injury, and premises claims. Affordable for rental owners.

Personal Injury Coverage

Adds libel, slander, invasion of privacy, and false arrest coverage above the underlying policy, plus defense costs.

Worldwide Defense Costs

Pays attorney and defense costs above the underlying policy. Defense alone can exhaust a primary policy in a contested suit.

IMPORTANT LIMITATIONS

What a personal umbrella does not cover

Business and professional acts

A personal umbrella does not cover business activity. Side-gig income, consulting, or rental-as-a-business often requires a commercial umbrella instead. We write both when the exposure calls for it.

Intentional acts

Excluded. Intentional harm, criminal acts, and deliberate damage are not covered. Standard exclusion across every umbrella carrier.

Vehicles outside the schedule

Most umbrellas require every household auto, motorcycle, boat, and RV to be scheduled on the underlying policy at a minimum liability limit. An unscheduled vehicle can void umbrella coverage at claim time.

Specific watercraft and aircraft

Large powerboats, yachts, and any aircraft usually need a dedicated umbrella or separate liability. We flag these at the time of quote.

IMPORTANT LIMITATIONS

What a personal umbrella does not cover

Business and professional acts

A personal umbrella does not cover business activity. Side-gig income, consulting, or rental-as-a-business often requires a commercial umbrella instead. We write both when the exposure calls for it.

Intentional acts

Excluded. Intentional harm, criminal acts, and deliberate damage are not covered. Standard exclusion across every umbrella carrier.

Vehicles outside the schedule

Most umbrellas require every household auto, motorcycle, boat, and RV to be scheduled on the underlying policy at a minimum liability limit. An unscheduled vehicle can void umbrella coverage at claim time.

Specific watercraft and aircraft

Large powerboats, yachts, and any aircraft usually need a dedicated umbrella or separate liability. We flag these at the time of quote.

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.

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

Tell us what you own and what you drive. We will price the umbrella.

Send us the auto and home dec pages. We will confirm the underlying limits meet the umbrella carrier's minimums and quote $1M, $2M, and $5M so you can see the marginal cost.

Roughly $200 to $500 per year for a $1M limit

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