OTHER PERSONAL INSURANCE
Other personal insurance coverage beyond home and auto.
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
Requirements by state
How does this work in your state?
Other Personal Insurance rules, regulatory requirements, and available coverage vary by state. Send us your state and details through a free coverage review and we will confirm what applies to you.
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 moreCommon 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.