Which carriers write Georgia condo insurance through Olive Cover?

Carriers available through Olive Cover that write Georgia condo owner coverage include Travelers and Safeco. Both are licensed and regulated to sell property insurance in Georgia, along with every other carrier compared through Olive Cover, the consumer brand of Olive Insurance Services, LLC, an independent property and casualty agency.

Working with an independent agency means access to more than one carrier's condo product instead of a single company's offering. That matters for condo coverage specifically because HO-6 policies, the policy type covering a unit's interior, personal property, and liability, are not identical across carriers. Underwriting guidelines differ on building age, the association's master policy structure (whether the building uses a bare-walls policy, which covers only the structure's original unfinished surfaces, or an all-in policy, which covers built-in fixtures and improvements too), and unit value, so a carrier that fits one building may not fit another.

For example, a buyer purchasing a unit in an older Atlanta condo conversion built before modern building codes may find that one carrier's underwriting guidelines decline older buildings above a certain unit count, while a different carrier writes the same building without issue. A newer-construction condo in a suburban Georgia development with an all-in master policy may need less personal HO-6 coverage on interior finishes than a unit in a bare-walls building, since more of the structure is already covered by the association's master policy.

A licensed advisor reviews which carrier fits a specific building's age, master-policy structure, and unit value in a free coverage review. That review looks at the association's governing documents and master policy declaration alongside the unit's own characteristics before comparing carrier options, since the right fit depends on details specific to the building and the owner's situation.

More on how Georgia condo coverage is structured, including the difference between an association's master policy and a unit owner's HO-6 policy, is on the Georgia condo insurance page and the condo insurance overview. The full list of carriers available through Olive Cover across personal and commercial lines is on the carriers page. Related: whether Georgia law requires unit owners to carry their own insurance, whether a Georgia condo policy covers flood damage, and how Georgia bad-faith law protects condo owners. A building-specific comparison starts with a coverage review.