Homeowners FAQs

When do we use AIG for Georgia personal insurance?

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Quick answer: AIG Private Client Group is the high-net-worth personal lines division of AIG.

We use AIG, through its Private Client offering, for Georgia families with high-value homes, valuable collections, and complex personal risk that a standard insurer is not built to handle. If your home would cost well over $1 million to rebuild, or you own fine art, jewelry, wine, or several vehicles, the higher limits and broader terms of a high-net-worth program usually serve you far better than a mass-market policy.

The clearest signal is the replacement cost of your home. Standard carriers often hesitate above a certain rebuild value, while a high-net-worth program is designed for it. These policies typically include extended or guaranteed replacement cost, meaning the insurer pays to rebuild even if the final cost exceeds your stated limit, which is valuable after a total loss when construction prices climb.

We also turn to AIG when a family needs coverage spread across several exposures handled as one package. That can include:

  • A primary home plus a second home or coastal property near the Georgia coast.
  • Scheduled valuables such as art, jewelry, and collectibles, often with agreed value and no deductible.
  • High personal liability limits, frequently paired with an umbrella, to protect significant assets.

Here is a realistic example. A family in Atlanta owns a home that would cost $2.4 million to rebuild, a $300,000 art collection, and three cars. A standard policy might cap the dwelling below the true rebuild cost and offer thin coverage for the art. An AIG Private Client program can insure the home to full replacement value, schedule the collection at agreed value, and lift liability limits high enough to match the family’s net worth.

AIG is a longstanding specialist in high-net-worth personal insurance, available through Olive Cover, the brand of Olive Insurance Services, LLC. If your assets have outgrown a standard policy, a free coverage review can confirm whether a high-net-worth program is the right move, and you can pair it with umbrella insurance for added liability protection.