OTHER PERSONAL INSURANCE
Other personal insurance coverage in Georgia.
Olive Cover writes a broad range of personal insurance beyond the standard home and auto lines. If you have a coverage need not listed elsewhere, reach out and we will find the right fit.
What it covers
Other personal insurance types we write
What it covers
RV Insurance
Coverage for motorhomes, travel trailers, and campervans. RV insurance includes collision, comprehensive, liability, and full-timer options for those who live in their RV.
What it covers
Pet Insurance
Medical coverage for dogs and cats covering accidents, illnesses, and preventive care options. With pet insurance, coverage terms, breed eligibility, and age limits vary by carrier. Ask us what your specific pet qualifies for.
What it covers
Yacht and High-Value Marine
Coverage for yachts, high-value watercraft, and private marine vessels above standard boat policy limits. Available through select private client carriers for qualifying watercraft.
What it covers
Kidnap and Ransom
Personal protection for high-net-worth households with international travel or public-facing exposure. Available through select private client carriers for qualifying families.
Where policies have edges
What these coverages do not include
Not covered
Standard home and auto lines
The coverage types on this page are supplemental to standard home and auto. They do not replace homeowners, auto, renters, or umbrella coverage.
Not covered
Business use
RV used primarily for commercial purposes, marine vessels used for charter or hire, and pets in a commercial breeding operation require commercial coverage instead.
Not covered
Breed and pre-existing condition restrictions
Many pet carriers exclude specific breeds, pre-existing conditions, and hereditary illnesses. Coverage terms vary significantly by carrier. Confirm your pet's eligibility before purchasing.
Not covered
Sailing territory limits on marine coverage
Yacht and high-value marine policies carry geographic sailing territory limits. Coverage may be restricted to specific waterways, coasts, or regions. Confirm the sailing territory before binding any marine policy.
Who needs this
Who needs Other Personal Insurance?
You probably need this if you own an RV, a high-value watercraft, pets, or have international travel or public-profile exposure that creates risks standard personal lines do not address.
What it costs
What can you expect to pay?
Varies by coverage type
In Georgia
How does this work in Georgia?
Georgia does not require watercraft insurance by statute, but lenders and marinas, particularly those on Lake Lanier, Lake Hartwell, and Lake Oconee, typically require liability coverage as a condition of a slip or loan. Georgia is a modified comparative fault state under O.C.G.A. § 51-12-33, meaning a claimant recovers only if they are less than 50 percent at fault; personal umbrella coverage is relevant here because Georgia's 25/50/25 auto minimums sit below the underlying limits most carriers require before writing a $1 million umbrella layer. RV coverage follows the vehicle's registration and use pattern: a motorhome used as a primary residence in Georgia carries different underwriting criteria than one used seasonally. For jewelry, Georgia homeowners policies typically carry a $1,500 sublimit on unscheduled jewelry; a scheduled personal articles floater removes that sublimit and usually covers mysterious disappearance. Carriers available through us for these lines in Georgia include Jewelers Mutual for fine jewelry, RLI for standalone personal umbrella to $5 million, Progressive for watercraft and collector vehicles, Foremost and American Modern for RVs and specialty personal property, and Chubb and PURE for high-net-worth personal collections including fine art and wine.
If You Need to File a Claim
Claims tips
First Steps
Report the loss or incident to your carrier immediately. Other Personal lines, excess, scheduled, specialty, often have specific notice requirements tied to the coverage type. The claims process for niche personal lines varies more than standard auto or homeowners, so read your policy's reporting provisions before calling.
What to Document
Document the loss the same way you would for any personal property or liability claim: photographs, written account of what happened, police report if applicable, and any receipts or appraisals relevant to the item or coverage involved. When in doubt, document more than you think you need.
Common Mistakes
Assuming a claim under a specialty personal policy works the same as a homeowners claim. Delaying notice because the coverage type feels unusual. Not checking whether a deductible applies differently than your standard policies.
When to Call Us
Any time you have a loss on a specialty or non-standard personal policy. We can help you identify the right carrier contact and walk through the reporting requirements with you.
OUR CARRIER PANEL
Carriers We Work With
The carriers we compare are licensed and regulated in your state. We shop these markets and present the options that match your situation; a licensed advisor reviews the fit with you in a free coverage review.
Safeco Insurance
Safeco sells exclusively through independent agents like Olive Cover. An honest review of their ratings, product strengths, and who they fit
Learn moreProgressive Insurance
Progressive is strong on auto and specialty vehicles. How they compare on ratings, claims, and who they suit best.
Learn moreNationwide Insurance
Nationwide brings financial strength and a wide product range to personal and commercial clients. An honest review of their ratings, claims,
Learn moreForemost Insurance
Specialty personal lines coverage, including manufactured homes, seasonal properties, and non-standard risks.
Learn moreAIG
Private Client Group coverage for ultra-high-net-worth families in North Atlanta.
Learn moreNFIP Flood Insurance
Federal flood insurance (FEMA) for Georgia homes, placed through a Write-Your-Own carrier. Covers what standard home policies exclude.
Learn moreGEORGIA · STATE NOTES
Georgia specialty personal market includes weddings, events, pets, and equipment
Georgia specialty personal insurance market includes event and wedding insurance (particularly for North Georgia wedding venues), pet insurance, travel insurance, identity theft protection, and equipment floaters for e-bikes, solar panels, drones, and golf carts. Most of these are placed through specialty markets beyond our admitted carrier appointments. Life, health, and Medicare supplement products are outside our P&C license scope.
If you have a claim in Georgia
Your insurer must acknowledge a claim within 15 days and decide it within 30 days.
Your rights as a Georgia policyholder during a claimGeorgia is governed by the Unfair Claims Settlement Practices Act (O.C.G.A. Section 33-6-30 to 37) and rules issued under Ga. Comp. R. and Regs. 120-2-52. These give you specific timelines and rights when you file a property and casualty claim.Acknowledgment. Your insurer must acknowledge receipt of your claim within 15 calendar days. They must also provide proof of loss forms within 15 days of your notification.Decision. For first-party property damage claims, the insurer must affirm or deny coverage within 15 days of receiving a completed proof of loss, or within 30 days of the claim being reported if proof of loss is not required. If they need more time, they must tell you within 5 business days and give a reason.Written denial. A denial must be in writing and must explain the specific policy provisions the carrier is relying on.Bad faith remedy. Under O.C.G.A. Section 33-4-6, if the carrier refuses to pay a covered claim, you may make a written demand for payment. If they fail to pay within 60 days and a court later finds the refusal was in bad faith, the carrier owes a penalty of up to 50 percent of the claim plus reasonable attorney's fees.How to escalate. If you cannot resolve a dispute with your insurer, file a complaint with the Georgia Office of the Commissioner of Insurance and Safety Fire. Filing is free. They investigate and can require corrective action against the carrier. A complaint is regulatory and does not directly compensate you, but it creates a record and applies pressure.What an independent agent adds. Olive Cover reads your policy with you, helps you document the loss, follows up on stalled timelines, and pushes back when the carrier's position does not match the policy. We are not your lawyer or the public adjuster, and we will tell you when one of those is the right next step.
Georgia Department of Insurance: (800) 656-2298 · File a complaint
Common Questions
Other Personal Insurance: frequently asked questions
What specialty personal insurance does Olive Cover write?
Beyond standard homeowners and auto, Olive Cover writes scheduled personal property (jewelry, cameras, instruments, collectibles), collector and classic auto, boat and personal watercraft,.
Are livestock and exotic pets covered as personal property?
No. A standard homeowners policy excludes the value of horses, livestock, and exotic animals as personal property, treating them as a farm or specialty risk.