Insurance in Georgia: Licensed Independent Agent Serving All 159 Counties

Olive Cover is a licensed Georgia property and casualty insurance agency headquartered in Johns Creek. We serve families and businesses across all 159 Georgia counties, from the North Georgia mountains to coastal Savannah and the Augusta metro. As an independent agency, we compare coverage from multiple A-rated carriers and find the right fit for each client's situation, geography, and risk profile. We do not work for any one carrier. We work for you.

How Insurance Works in This State

Georgia is a fault state for auto. The at-fault driver's insurer pays. Georgia allows credit-based insurance scoring, which can swing premiums by 20 to 40 percent for the same coverage. Georgia uses a file-and-use rate system, meaning carriers can raise rates before the DOI formally approves them. Wind and hail deductibles on homeowners policies are often percentage-based rather than flat dollar amounts, a significant and commonly misunderstood exposure.

State Minimum Requirements

Auto: 25/50/25 minimum liability. Homeowners: not legally required but required by any party with a secured financial interest in the property. Flood: not required by state law but required in FEMA Special Flood Hazard Areas when a secured creditor holds an interest in the home. Workers Comp: required for businesses with 3 or more employees.

State Regulatory Notes

Georgia is a fault state for auto accidents, meaning the at-fault driver's insurance pays for damages. Georgia requires minimum auto liability limits of 25/50/25. Georgia does not require homeowners insurance by law, but any party with a secured financial interest in the property will require it. Georgia uses a file-and-use system for insurance rates, meaning carriers can begin using new rates immediately after filing them with the Insurance Commissioner. Georgia also allows carriers to use credit-based insurance scores in underwriting, which can significantly affect pricing.