Which Personal Insurance Carrier Is Right for You in Georgia?

Personal carriers are available through us in Georgia across home, auto, umbrella, flood, jewelry, landlord, and specialty lines. Compare them below and see which one fits your situation.

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Note: Carrier availability varies. Some carriers shown may not write in Georgia or be available through Olive Cover. Wind/hail deductibles and coastal restrictions vary by county, so ask your advisor.

HOME & PROPERTY

Home & Property Carriers Compared

The right homeowners carrier depends on home value, age, construction, prior claims, and whether you want to bundle auto.

Carrier Broad CoverageExt. ReplaceAuto BundleNon-StandardBest If You Are… Profile
Travelers Founded 1853 Optional N/A Bundling home and auto under one account →
Chubb High-net-worth specialist ✓ Included ✓ N/A Home $750K+, dedicated adjuster, complex estate →
Hanover logo Hanover Home + auto account ✓ Optional ✓ N/A A household that wants home and auto written together as one account, with bundle savings →
Openly Berkshire-backed ✓ Included N/A N/A Newer home, broad open-perils coverage, no auto bundle needed →
Branch Excl. City of ATL N/A Optional ✓ N/A North Atlanta suburbs, fast digital quote, budget bundler →
Offered / strong fit Not written or not a fit

Carrier information on this site reflects general appetite and product fit for educational purposes only. It is not a rating, ranking, or endorsement. Availability varies by your situation, location, and eligibility; some carriers and coverages will not be available in every case.

Appetite and availability change frequently. We confirm current carrier fit for your situation during a free coverage review.

AUTO

Auto Carriers Compared

Your auto choice comes down to driving record, vehicle type, and whether you bundle home. Motorcycle, boat, or RV owners have fewer options.

Carrier MotorcycleBoat/RVBundle HomeTelematicsNon-StandardBest If You Are… Profile
Progressive Specialty + multi-vehicle auto ✓ ✓ ✓ Snapshot ✓ Multiple vehicles, motorcycle, boat, RV, or specialty vehicle →
Hanover logo Hanover Home + auto account N/A N/A ✓ N/A N/A Bundling your auto with a Hanover home for account discounts →
The Hartford AARP-endorsed N/A N/A ✓ TrueLane N/A Drivers 50+, AARP member, bundled home and auto →
Safeco Brand sunsetting 2026 ✓ ✓ ✓ RightTrack N/A Clean driving record, independent advisor only. Brand sunsetting 2026 →
National General Allstate subsidiary N/A N/A ✓ N/A ✓ Prior claims, credit challenges, declined by preferred carriers →
Offered / strong fit Not written or not a fit

Carrier information on this site reflects general appetite and product fit for educational purposes only. It is not a rating, ranking, or endorsement. Availability varies by your situation, location, and eligibility; some carriers and coverages will not be available in every case.

Appetite and availability change frequently. We confirm current carrier fit for your situation during a free coverage review.

FLOOD · JEWELRY · UMBRELLA · LANDLORD

Flood, Jewelry, Umbrella & Landlord

Your standard homeowners policy excludes all of these. Each needs a specialist carrier.

Carrier SpecialtyFloodJewelryStandalone UmbrellaLandlord PolicyShort-Term RentalKey Advantage Profile
Selective Private flood specialist Private Flood ✓ N/A N/A N/A N/A Higher limits than NFIP $250K cap, faster claims, broader underwriting →
NFIP Flood Federal flood program (FEMA) Federal Flood ✓ N/A N/A N/A N/A Up to $250K building and $100K contents; the baseline when private flood will not write →
Jewelers Mutual Jewelry only since 1913 Jewelry N/A ✓ N/A N/A N/A Covers mysterious disappearance worldwide. Standard policies cap at $1,500 per piece →
RLI Standalone umbrella specialist Umbrella N/A N/A ✓ N/A N/A Does not require same carrier for home or auto. Rare flexibility →
Steadily Non-admitted E&S Landlord/STR N/A N/A N/A ✓ ✓ Covers Airbnb and VRBO. Standard homeowners voids when a tenant moves in →
Foremost Farmers subsidiary Specialty Property ✓ N/A N/A ✓ N/A Manufactured homes, seasonal properties, risks standard carriers decline →
Offered / strong fit Not written or not a fit

Carrier information on this site reflects general appetite and product fit for educational purposes only. It is not a rating, ranking, or endorsement. Availability varies by your situation, location, and eligibility; some carriers and coverages will not be available in every case.

Appetite and availability change frequently. We confirm current carrier fit for your situation during a free coverage review.

HIGH-VALUE HOMES

High-Value Homes and Complex Estates

If your home is $750K or more, the difference between a standard and a high-value carrier shows up clearly at claim time.

Carrier Min. Home ValueUmbrella LimitJewelryFine ArtYachtClaims ModelBest If You Are… Profile
Chubb Masterpiece policy ~$750K+ $50M+ ✓ ✓ ✓ Dedicated HNW adjuster, cash settlement, no depreciation on contents Home $750K+, a dedicated high-net-worth claims process, need umbrella above $5M →
Travelers Premier Premier tier ~$500K+ $25M+ ✓ ✓ N/A Premier adjuster service, guaranteed replacement cost High-value home, already bundling Travelers auto →
Offered / strong fit Not written or not a fit

Carrier information on this site reflects general appetite and product fit for educational purposes only. It is not a rating, ranking, or endorsement. Availability varies by your situation, location, and eligibility; some carriers and coverages will not be available in every case.

Appetite and availability change frequently. We confirm current carrier fit for your situation during a free coverage review.

Not sure which carrier fits you?

Send us your declarations page or describe your situation. We review it free and tell you which carrier is the right fit and exactly why. No obligation.

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