What is Hanover known for?

An account-based approach to small and mid-size commercial insurance, with industry-tailored programs across hundreds of business classes.

How do I file an NFIP flood claim?

Report through your Write-Your-Own carrier (Selective) using your policy contact; document with photos; Olive Cover can help you manage it.

Do I need flood insurance in Georgia?

Flood is excluded from standard policies and needs its own coverage. Required in FEMA high-risk zones and worth considering elsewhere too.

What are the NFIP coverage limits and what is excluded?

Building and contents against flood: up to $250,000 building / $100,000 contents for homes. Basements, outdoor property, loss of use, and vehicles are excluded.

Who is Travelers homeowners best for in Georgia?

Travelers fits North Atlanta homeowners with higher-value homes, clean claims history, and newer or well-maintained roofs.

Why does it matter that Safeco only sells through independent agents?

All FAQs

Quick answer: Safeco (a Liberty Mutual company) sells exclusively through independent agents, never direct to consumer.

Safeco is a personal lines insurer that sells its policies only through independent agents, not directly to the public. That model means you cannot buy a Safeco policy from a company website or a call center. Access to Safeco coverage requires working with a licensed independent agent, and Safeco is one of the carriers available through Olive Cover.

Why does Safeco sell only through independent agents?

Safeco built its distribution model around the idea that a licensed agent adds value a self-service website cannot. A licensed agent can review your full picture, compare Safeco against other carriers, and explain the trade-offs before you commit. Safeco is betting that customers get better coverage outcomes with professional guidance than without it. For more on how that placement process works, see our FAQ on how we choose which carrier to place you with.

What does that mean for someone shopping home or auto coverage in Georgia?

It means Safeco is part of the comparison an independent agent runs for you, alongside other personal lines carriers. Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent property and casualty agency licensed in Georgia. We are not limited to one company's lineup, so we can weigh Safeco against the other personal carriers available through us and place you where the coverage and premium fit best.

For example, a Georgia household shopping online and getting one direct carrier's home and auto quote at $3,400 a year might find that comparing across several carriers, including Safeco, produces a match at $2,900 for comparable coverage. That $500 difference is only reachable through an independent agent who has access to carriers you cannot reach on your own.

For a side-by-side look at how different carriers approach homeowners coverage, see our FAQ on what makes Travelers stand out for homeowners and our FAQ on whether Chubb is a good fit for your home.

What is Safeco known for in personal lines coverage?

Safeco is known for bundling home and auto coverage and for personal lines products aimed at everyday families. That profile fits a large share of Georgia households. Bundling home and auto through the same carrier often produces a multi-policy discount that reduces the combined annual cost.

What happens at renewal if Safeco raises your rates?

An independent agent can re-shop your coverage across multiple carriers at renewal and move you if another carrier offers a better combination of price and coverage. Because the agent holds your policy information, the comparison can happen without you filling out a new application from scratch.

For example, a Lawrenceville homeowner whose Safeco renewal came in 18 percent higher than the prior year could have their full profile compared across the available carrier options in one conversation, rather than going back to the carrier directly with no alternatives.

How do you access Safeco and compare it against other carriers?

A free coverage review includes Safeco and the other carriers available through us in a side-by-side comparison. To learn what that process involves, see our FAQ on what a free coverage review covers. Request a free coverage review and a licensed advisor will walk you through where each carrier lands on price and terms for your specific profile.