When do we use AIG for Georgia personal insurance?

Olive Cover uses 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. When a home would cost well over $1 million to rebuild, or a family owns fine art, jewelry, wine, or several vehicles, the higher limits and broader terms of a high-net-worth program usually serve them far better than a mass-market policy.

What is the main signal that a Georgia family needs a high-net-worth insurance program?

The clearest signal is the replacement cost value of the 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 the stated limit, which is valuable after a total loss when construction prices climb.

What exposures does AIG Private Client cover for Georgia homeowners?

AIG Private Client can cover several exposures that standard policies handle poorly or exclude entirely:

• 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 policy, to protect significant assets
• Classic or collector vehicles that require agreed-value coverage rather than standard market-value settlements

For example, a family in Buckhead owns a home that would cost $2.4 million to rebuild, a $300,000 art collection, and three vehicles including a classic car. 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 stated amount, and lift liability limits high enough to match the family's net worth.

How does AIG handle claims differently for high-value Georgia properties?

AIG Private Client assigns a dedicated claims professional for covered losses rather than routing high-value claims through a general call center. For a $2 million home, that distinction matters. A claims professional familiar with historic restoration, custom finishes, and high-end contractors can work through a complex loss more effectively than a standard adjuster evaluating a typical residential claim.

For example, a partial fire loss in a historic Inman Park home with custom millwork, original hardwood floors, and period-appropriate fixtures requires an estimator who understands restoration costs, not just standard replacement costs. AIG's Private Client claims process is built around that level of complexity.

What does AIG Private Client cost compared to a standard Georgia homeowners policy?

The premium for a high-net-worth program is higher than a standard homeowners policy in dollar terms. The broader terms, guaranteed replacement cost provisions, and agreed-value coverage on valuables often offset that difference when a major loss occurs. A family with a $2 million home insured at its true rebuild value is in a fundamentally different position after a total loss than the same family insured at a standard carrier's cap.

How do I find out whether AIG Private Client is the right fit for my situation?

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