The Savannah metro covers a wide range of exposures that rarely appear together in one market: 19th-century row homes downtown, barrier-island properties on Tybee Island, and fast-growing suburban corridors in Pooler, Richmond Hill, and Rincon. Each setting carries its own coverage demands, and a policy written for one can leave real gaps in another.
Which carriers write home and auto insurance in the Savannah area?
Coastal Georgia is a tighter market than metro Atlanta. Some national carriers restrict wind coverage for properties within a certain distance of the coast. Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent Georgia agency that works with multiple carriers active in the Savannah area, including markets that write newer construction in suburban corridors like Pooler and Richmond Hill. For higher-value homes near the water, specialty options through surplus lines markets fill gaps that admitted carriers leave. We do not rank or rate carriers. The carrier placement FAQ explains how each property is matched to a market.
A coverage review maps your actual exposure: flood zone, wind tier, home age and construction type, current dwelling limit versus rebuild cost, and any liability gaps. We serve Savannah, Tybee Island, Pooler, Richmond Hill, Rincon, and the surrounding coastal Georgia communities.