Which Personal Insurance Carrier Is Right for You?
We hold appointments with personal carriers across home, auto, umbrella, flood, jewelry, landlord, and specialty lines. Compare them below and see which one fits your situation.
Georgia 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 Carriers Compared
Home & Property Carriers Compared
The right homeowners carrier depends on your home value, age, construction type, prior claims, and whether you want to bundle auto. Read your Declarations page and check the Deductible before you compare.
- Travelers Founded 1853
- Chubb HNW leader
- Nationwide Strong SE claims
- Openly Berkshire-backed
- Hippo Munich Re-backed
- Stillwater Non-standard specialist
- Branch Excl. City of ATL
Your standard homeowners policy does not cover flood, caps jewelry at $1,500 per piece, and voids when a tenant moves in. See the specialty section below for those gaps.
Auto Carriers Compared
Auto Carriers Compared
Your auto choice comes down to driving record, vehicle type, and whether you want to bundle home. Motorcycle, boat, or RV owners have fewer options.
- Progressive Largest US personal auto writer
- Nationwide Top 3 SE claims 2025
- The Hartford AARP-endorsed
- Safeco (Sunset 2026) Liberty Mutual brand
- National General Allstate subsidiary
Flood, Jewelry, Umbrella & Landlord
Flood, Jewelry, Umbrella & Landlord
Your standard homeowners policy excludes all of these. One uncovered flood claim averages $25,000 per FEMA data. Standard policies cap jewelry at $1,500 per piece. Your policy voids entirely when a tenant moves in. Some specialty markets are Non-admitted (E&S) carriers.
- Selective Private flood specialist
- Jewelers Mutual Jewelry only since 1913
- RLI Standalone umbrella specialist
- Steadily Non-admitted E&S
- Foremost Farmers subsidiary
High-Value Homes and Complex Estates
High-Value Homes and Complex Estates
Standard carriers send standard adjusters and apply standard limits. If your home is $750K or more, the difference shows up clearly at claim time. High-value policies typically use RCV settlement and Open-perils coverage.
- Chubb Masterpiece policy
- AIG Private Client Ultra-HNW
- Travelers Premier Premier tier
Our Personal Lines Carrier Panel
Carrier profiles are being added. Check back soon — or contact us directly to ask about a specific carrier.