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The Importance of Home Insurance

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When you own a home, you should never be without home insurance. It’s so important that you should have it set up so that it takes effect as soon as you buy the property. Home insurance protects you in a number of important ways. When you’re buying a home and need insurance, give us a call at CG Insurance Agency in Williamston, MI to get started. 

Property Protection

When you have home insurance, it protects your home against many different risks. It protects you in case of things like accidents, calamities, and certain disasters. When you have this coverage, and your home is damaged, the policy can pay for the damage to be fixed. Without home insurance, this would be incredibly expensive. If a home is destroyed in a covered event, the policy will even pay for the home to be rebuilt. Rebuilding would be so expensive without insurance that most homeowners wouldn’t be able to do it. 

Belongings Protection

Along with the protection for your home comes protection for everything inside it. All of your belongings in your home are covered against many different risks that can damage or destroy them. Your belongings add up to a lot of value. If you had to replace them all on your own, it would be very difficult to afford. With a home policy, the policy can help pay to get everything replaced. This allows you to get back to your normal life sooner. 

Liability Protection

Liability is a financial risk, and you need to be covered against it. If someone became injured in your home, you would be liable for all of the associated costs from the injury. When you have home insurance, it will pay those bills. 

Get Home Insurance 

When you’re in need of a home insurance policy, call us now at CG Insurance Agency in Williamston, MI.

Four Types of Auto Insurance Coverage You Should Have

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When looking for vehicle insurance in Williamston, MI you should become acquainted with the various types of coverage. We offer comprehensive coverage for vehicle owners at CG Insurance Agency. There are numerous types of coverage that you should include in your policy. The following are four types of auto insurance coverage you need to have.

The following are four types of auto insurance coverage you need to have:

Liability Protection 

The most crucial sort of auto insurance coverage to have in your policy is liability coverage. Liability insurance is mandated by law. It protects you from the costs of a lawsuit brought against you as a result of a car accident. 

Coverage for Collisions 

You cannot file a claim for damages to your own car after an accident if you have liability coverage. Collision coverage is required under your policy. Otherwise, if the vehicle repairs are not covered by the insurance policy of another motorist involved in the collision, you will have to pay for them out of pocket.

Extensive Coverage 

Comprehensive coverage compensates you for automotive damage caused by causes other than a collision. Comprehensive coverage includes coverage for vandalism, animal collisions, and natural calamities.

Uninsured and Underinsured Motorist Insurance

Uninsured and underinsured motorist coverage can be added to your policy to augment it. If you are in an accident with an uninsured or underinsured motorist, this type of auto insurance will give you with additional coverage. Because there are so many uninsured drivers on the road, this type of coverage is vital.

Give Us A Call!

Do you have questions about your vehicle insurance options in Williamston, MI? Contact CG Insurance Agency to discover more about the advantages of our auto insurance policies. 

The Top 3 Mistakes People Make with Umbrella Insurance

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Umbrella insurance is an essential coverage to consider when purchasing insurance. It can help protect you in the event of a significant liability claim and provide peace of mind knowing that your assets are safe. Unfortunately, many people make mistakes with umbrella insurance due to a lack of understanding of how it works and why they should purchase it.

To help you make the right decisions with umbrella insurance, we at CG Insurance Agency will walk you through the top 3 mistakes people commonly make.

Umbrella Insurance: Top 3 Mistakes

Failing to Understand What Umbrella Insurance Covers

The first mistake is not understanding what umbrella insurance covers. While an umbrella policy can provide extra protection in case of a large liability claim, it does not cover everything. Most policies won’t cover intentional acts or illegal activities, such as fraud, and some may not cover certain types of business activities. It’s essential to understand the specific coverage details of your policy and make sure it will provide the protection you need for your Williamston, MI property needs.

Failing to Purchase Enough Coverage

The second mistake is not purchasing enough umbrella insurance coverage. Typically, umbrella policies offer one or two million dollars of protection. This may sound like a lot, but it can go quickly if you are held liable for more than one claim. It’s important to consider how much coverage is necessary to protect your assets in case of a significant liability claim.

Failing to Consider the Risks of Not Having Umbrella Insurance

The third mistake is failing to consider the risks of not having umbrella insurance. You could be exposed to a large liability claim without this coverage. In some cases, you may even find yourself facing litigation or struggling to pay legal costs. The financial protection provided by umbrella insurance can help prevent these scenarios if an accidental incident occurs.

Give Us A Call

At CG Insurance Agency, we understand how important it is to have the right umbrella insurance coverage for your specific needs. Our experienced agents are here to serve residents of the Williamston, MI area and help you determine which policy would suit your situation, and provide peace of mind knowing that you are covered in case of a significant liability claim. Contact us today to learn more about our umbrella insurance options and to get started on selecting the right policy for you.

What is a Home Inventory Sheet?

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A home inventory sheet is an important tool to help you in the event that you need to make a claim that extends to your possessions. This entails creating a document detailing all the items that are in your home, as oftentimes, you won’t be able to accurately recall the entirety of the contents of your home after a disaster takes place. 

Typically, you will also include a written description with as much information as possible to accompany every entry, especially your valuables. It’s important to also record the things that are in your storage rooms or closets, and that may be located in the hallways. 

You may compile this data with pen and paper, and there also exist templates for you to use online. Your CG Insurance Agency representative can give you more specific information on this process. Additionally, it isn’t the law in Williamston, MI that you purchase homeowners insurance, but your lender will typically require it for the duration in which you carry a balance. 

Your home inventory sheet should include photos of your items, and if possible, take these from various angles. Be sure to collect receipts and to photograph these as well, as paper and ink tend to degrade over time. Gather serial numbers and other identifying codes, such as make and model classification. 

Be sure to provide your insurance agent with a copy of your completed home inventory sheet and to keep one in a separate location, such as uploading it into the cloud or another online storage unit. 

CG Insurance Agency Can Help You 

We serve the Williamston, MI area, and we look forward to working with you. Please feel free to reach out to us by phone, online, or in-person to discuss the particulars of your situation. 

Why basic auto insurance may not be the right choice

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When it comes to auto insurance, you have lots of choices. What you choose for your coverage begins with the amount of coverage you need and what is required.

At CG Insurance Agency in Williamston, MI, we help our customers to make the choice that is best for them. 

What is basic auto insurance?

In Michigan, the amount of basic auto insurance that you as a driver are required to have is 20/40/10. This means that you must have coverage of $20,000 for injuries sustained by a single person in an accident where you are the responsible party. $40,000 for the total amount of personal injury in any accident. An additional $10,000 is allowed for property damage. 

Is basic insurance enough?

It isn’t enough if you have a car loan or are leasing a vehicle. The bank or leasing company requires that you have more than basic insurance. They want you to protect the vehicle in which they have a stake. If you use your car every day to go about your daily activities, having your car is important. You may want to consider more than basic insurance. 

Additional coverage options

Collision is exactly what it sounds like, protection for your vehicle if you are involved in an accident and are at fault. It will pay to repair or replace your vehicle after you pay the deductible. 

Comprehensive coverage covers non-collision damage to your vehicle or theft. It protects you from weather events, vandalism, and large animals. 

Gap coverage is very valuable if you have a new car and don’t want to lose money if you have an accident that totals your new car. 

Get The Right Coverage For Your Needs

Contact CG Insurance Agency in Williamston, MI, if you have questions about the right auto insurance for you. We are glad to help!

When you should get an umbrella insurance policy

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An umbrella insurance policy is an important type of coverage to have in place if you’re at risk of being sued. This type of policy protects your assets beyond the limits of your regular auto or homeowners insurance since these policies vary widely and will only pay up to a specified maximum amount.

While it’s not always necessary to have this type of protection, there are several situations where having an umbrella policy makes good sense. CG Insurance Agency, serving the greater Williamston, MI community, is here to assist. 

When you should get an umbrella insurance policy

If you own substantial assets that could be damaged by a lawsuit or other claim against you.

For example, if someone falls on your property and suffers serious injuries, they may pursue legal action for damages related to their injury. An umbrella insurance policy can help protect your personal wealth from damage claims so that you don’t have to sell your home or other major assets to pay for the claims.

If you regularly drive expensive cars, own a boat, or are otherwise at risk of being sued due to owning and operating certain types of property.

For example, if you’re in an accident with another car that is driven by someone who isn’t carrying enough insurance coverage on their vehicle, your umbrella policy can help protect you from having to pay for damages out-of-pocket after your auto insurance has paid out its limits.

Contact Us Today

Umbrella insurance is important for anyone who owns significant assets and wants the peace of mind that comes with knowing those assets are protected. If you’re concerned about protecting yourself in the event of a lawsuit, it may be worth looking into purchasing an umbrella policy today. Give the CG Insurance Agency a call today. We proudly serve the Williamston, MI area.

Your Home Needs Protection with Home Insurance

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Do you own a home? Have you got it adequately insured? If you are in doubt, let CG Insurance Agency, which covers the Williamston, MI area, review your current coverage.

Home Insurance: What You Need To Know

When purchasing home insurance, it is important to note that you must have enough coverage for replacement. If you live in an area that is prone to certain types of weather, this could be a concern. Also, if you carry a mortgage on your home, your lender will require that you have enough insurance to cover the amount that you owe. They want to make sure their interests are protected.

Homeowners insurance also protects the equity you have built in your home. Equity is the value of your property less the amount you owe. As you make improvements to the property, the equity in your home goes up. Don’t risk losing it.

Another good reason to have a homeowners insurance policy is for liability purposes. In the event that you have a guest who falls on the ice and gets injured, or your dog decides to bite a pizza delivery person, you could be faced with a costly lawsuit. Without the protection, a homeowners insurance policy provides, the cost will be borne by you.

Here is a list of things most homeowners insurance policies will not cover:

  • Flooding
  • Landslides, earthquakes, or other ground movements
  • Rats, termites, and other infestations
  • Mold
  • Dangerous or aggressive dogs
  • Poor maintenance or neglect
  • Power surges or outages
  • Home-based businesses
  • Local building ordinance that requires you to bring your home up to code
  • Intentional damage caused by anyone in the home
  • A nuclear hazard
  • War
  • Acts of government

Contact Us Today

Make sure your most valuable asset is protected. Contact the CG Insurance Agency in Williamston, MI today for a no-obligation quote or answers to any questions you may have. You will be glad you did.

Take the time to fully review your auto policy before renewing

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Residents in the greater Williamston, MI area can turn to the team at CG Insurance Agency for all of their insurance needs. We find that our clients benefit from a regular review of all of their insurance, including auto insurance policies. Call or stop by today to learn more. 

It’s a smart idea to review your auto policy at least once a year

If you are like many people in our area, you simply renew your auto insurance policy year after year without giving it a careful review. While this is understandable due to the hectic environments in which we live and work, it’s a bad habit to fall into.

Most auto insurance policies renew after six months. This means that it’s necessary to review your policy at least once during the year. Of course, always reviewing every policy prior to renewal is the best practice to adopt, but it isn’t always possible to take the time to do so.

By carefully reviewing your auto policy at least once a year, you are more likely to notice any gaps in coverage. Our insurance needs can change year after year, so it is important that our insurance policies meet our current needs. If you are unsure what to look for during your review, your local insurance agent can be a helpful resource. Don’t let too much time go by before you take a close look at your current auto policy.  

We are here to help!

CG Insurance Agency is proud to help residents in the greater Williamston, MI community with all of their insurance needs. If you have questions about auto insurance, we are here to help. Give us a call or come by our office today to learn more. 

What Are the Benefits of Having Umbrella Insurance?

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At CG Insurance Agency in Williamston, MI, we get a lot of questions about umbrella insurance. Umbrella insurance is an important type of insurance to have, but it’s not required by law like auto or health insurance. So, why do you need it?

Here are four reasons to consider umbrella insurance:

Protects You From Lawsuits

If you’re ever sued for damages that exceed the coverage of your auto or home insurance policy, umbrella insurance will help pay for the costs of the lawsuit, including attorney’s fees, court costs, and any damages that you’re liable for. Without umbrella insurance, you could be left to pay these costs out of your own pocket. 

Offers Extra Protection for High-risk Activities

If you participate in activities that carry a higher risk of bodily injury or property damage, such as swimming, skiing, or skateboarding, umbrella insurance can offer additional protection in the event that you’re sued for damages. 

Cover Expenses Not Covered by Your Home or Auto Insurance Policy

Umbrella insurance can also cover certain expenses that aren’t included in your home or auto insurance policy, such as slander, libel, and false arrest. If you’re ever faced with one of these expenses, umbrella insurance can help you pay for them. 

Helps You Save on Home and Auto Insurance

Umbrella insurance can also help you save money on your home and auto insurance premiums. insurers often offer discounts to policyholders who carry umbrella insurance. 

Get Umbrella Insurance Now

At CG Insurance Agency in Williamston, MI, we always recommend umbrella insurance to our clients because it offers so many valuable benefits. If you have any questions about umbrella insurance or any other type of insurance policy, don’t hesitate to contact us today. We’d be more than happy to help you find the right policy for your needs.

Top 5 Things to Consider When Purchasing Home Insurance

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One of the most important investments you will make is purchasing a home. Not only is it a large financial investment, but your home is also likely where you and your family will live for many years. Because of this, it is important to protect your home with insurance. However, buying home insurance can be confusing. But by considering the following key things, you can be sure to find the right policy for your needs.

Consult with CG Insurance Agency in Williamston, MI for expert home insurance advice and more.

Top 5 Things to Consider When Purchasing Home Insurance

1. The Value of Your Home

This is the most important factor in determining how much insurance you need. Your home’s value is the basis for figuring out the limits of your coverage and the amount you will pay in premiums.

2. Your Budget

Of course, you also need to consider your budget when purchasing home insurance. The amount you pay for premiums will be based on the value of your home, but there are ways to save money. For example, you can raise your deductible or purchase a policy with less coverage. However, never sacrifice coverage to save money.

3. The Coverages You Need

There are many different home insurance policies, each offering different coverages. For example, some policies will cover the replacement value of your home, while others will only cover the actual cash value. Make sure you understand the coverages offered by each policy before making a decision.

4. The Exclusions in the Policy

It is also important to be aware of the exclusions in a home insurance policy. Every policy has them, which can vary significantly from one policy to another. For example, some policies exclude damage from flooding or earthquakes, while others may exclude items such as jewelry or art. Be sure to ask about exclusions before purchasing a policy.

5. Limits on Claims

Another important factor to consider is the limit on claims. Most policies have a limit on how much they will pay out for any one claim. Ensure that the limit is high enough to cover the cost of repairs or replacement if necessary.

Finding the right home insurance doesn’t have to be difficult. Just make sure you keep the factors listed above in mind. CG Insurance Agency in Williamston, MI can help you find the perfect policy for your needs. Give us a call today to get started.