Home Insurance

Affordable Home Insurance With Think Twice Rebuilding Coverage

• CIG Think Twice coverage pays up to twice the rebuilding cost of your home, if that's what it actually costs.**
• Potential perils including wildfire, flood, explosion, falling objects
• Causes such as fire, smoke, lightning, windstorm, hail, weight of ice/snow
• Replacement cost of contents of dwelling, household and personal property
• Living expenses in the event your home becomes uninhabitable
• Bodily injury coverage on or away from your premises
• Claims against you from damage to property of others
• Medical expenses for your guests (regardless of responsibility)
• Legal liability for fire.
• CIG Homeowners are reimbursed for expenses incurred due to identity theft incidents.***

** In circumstances requiring the full replacement cost of a damaged home or building CIG would pay up to 200% above specified amount to cover actual cost of replacement. (Most other insurers cover only up to 25% replacement cost overage).
*** Zero deductible identity fraud program covers reimbursement for lost wages and or expenses involved in restoring ownership of identity up to $25,000. Includes 24/7 help line. No additional cost.

Endorsement Options

• Home offices and computer equipment
• Valuables - covers jewelry, furs, firearms, silverware, securities
• Watercraft coverage
• Earthquake coverage
• Additional content coverage above limits
• Ordinance protection - covers loss due to laws, ordinances and regulations governing property construction, demolition or repair
• Refrigerated food coverage
• Key and lock replacement
• Additional liability for home, rental or second residence coverage
• CAL-ADD for accidental death and mortgage payment relief (California).

CIG Net Worth Defense

With Incremental Multi-Million Dollar Lawsuit Protection Options

If a letter arrives from an attorney charging you with lawsuit, you may need to defend yourself, and possibly have to pay a court-awarded sum to an injured party. A liability ruling against you may drain all your financial resources, including your future earnings.

Take Advantage of Real Savings...

Ways To Save On Homeowners Insurance Payments

• Custom Policy Package (multi-purpose policies)
• Loss Deductible
• Fire and theft alarms
• Century Age Credit
• Newer Homes
• Sprinkler Credit
• Loss Free Discount
• Roof Credits
• Non-flammable construction materials
• Three or more years as policy client.

Plus World-Class Service and Support...

• Local underwriters
• 24/7 dedicated claims services
• Membership in The Protector Network

Interested in becoming a member of The Protector Network?*

Go to our Quote Request Form to start the process.
Expect to be contacted by one of our local insurance advisors.
* Available exclusively with CIG insurance coverage.

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