General FAQs

What specialty personal insurance does Olive Cover write?

All FAQs

Quick answer: Beyond standard homeowners and auto, Olive Cover writes scheduled personal property (jewelry, cameras, instruments, collectibles), collector and classic auto, boat and personal watercraft,.

What makes a personal insurance risk “specialty”?

Olive Cover, the consumer brand of Olive Insurance Services, LLC, arranges specialty personal insurance for Georgia households whose risks go beyond what a standard home or auto policy was designed to cover. High-value homes, boats, collections, and certain liability exposures each carry unique risks. A basic policy usually excludes or sharply limits coverage for them, either through a low sub-limit or an outright exclusion.

What specialty personal coverages are available through Olive Cover?

Specialty personal lines available through Olive Cover include:

  • Personal umbrella insurance: which layers extra liability protection above the limits on your home and auto policies, commonly purchased in $1 million increments.
  • Flood insurance: because a standard homeowners policy excludes rising water. Policies are available through the National Flood Insurance Program (NFIP) or private flood markets.
  • Boat and watercraft coverage for lake vessels, pontoon boats, personal watercraft, and coastal boats, covering physical damage, liability, and sometimes towing.
  • Renters insurance for tenants who need protection for their belongings and personal liability without a homeowners form.
  • Condo insurance (HO-6) for unit owners who need coverage for interior improvements, personal property, and the liability gap between their unit and the association’s master policy.
  • Scheduled personal property endorsements for jewelry, fine art, wine collections, firearms, cameras, and other valuables. A scheduled endorsement covers items at agreed or appraised value and typically removes the sub-limits and deductibles that a base policy applies to those categories.

For example, a Georgia homeowner with a diamond engagement ring worth $18,000 would find that their base homeowners policy caps jewelry reimbursement at $1,500, leaving a $16,500 gap that only a scheduled personal articles endorsement closes.

How do specialty lines work together as a coordinated program?

These coverages are often most effective when structured as a coordinated program rather than purchased in isolation. A Georgia homeowner with a boat, a jewelry collection, and household income that creates significant liability exposure might combine a homeowners policy, a scheduled valuables endorsement, watercraft coverage, and a personal umbrella. Each piece is designed so the limits and exclusions across forms do not leave gaps between them.

For example, a personal umbrella policy typically requires the underlying homeowners and auto policies to carry minimum liability limits before it attaches. Buying the umbrella without reviewing those underlying limits can leave a gap between the base policy and where the umbrella kicks in.

Can Olive Cover access surplus lines markets for harder-to-place specialty risks?

Because Olive Cover operates through Olive Insurance Services, LLC as an independent agency, our team is not restricted to one insurer. We access multiple markets and match each specialty risk to the carrier and form that fits it, whether that is standard admitted paper or a surplus lines market for harder-to-place coverage.

Standard home and auto policies are built for common exposures. When your situation includes something outside that profile, a high-value collection, a watercraft, elevated liability, or flood exposure, a specialty line fills the gap a standard policy leaves behind.

To find out which specialty coverages apply to your household, request a free coverage review. A licensed advisor will go through your full picture and identify the right combination of policies for your situation.