Umbrella Insurance Vs. Excess Liability Insurance: What’s the Difference?
Two insurance terms that are often used interchangeably in Williamston, MI are umbrella insurance and excess liability insurance, but they are not the same thing.
Your Stuff Is Worth More Than You Think
If you're a renter and you think you're completely covered by your building's insurance policy, think again. Many renters seriously underestimate the value of all their possessions.
Bottom line: A Renters or Condo policy from CG can help protect your financial future in addition to replacing your belongings.
Why Choose CG Insurance
For Less Than the Monthly Cost of a Streaming Service, You Can Protect Your Stuff - And a Whole Lot More!
Whether you’re responsible for the interior of a condo or everything inside a rental, the right policy protects you from unexpected damage, liability, and loss. We help you understand what you’re responsible for, what the association or landlord covers, and how to tailor protection around your lifestyle with clarity and confidence.
Independent Guidance
Policies aligned with your HOA or lease.
Right-Sized Coverage
Only pay for what you actually need.
Michigan Expertise
Built for local buildings, basements, and rental requirements.
Coverage Options
Condo Coverage
HO-6 condo insurance covers your unit interior, belongings, liability, and shared building costs.
HO-4 renters insurance protects your belongings, liability, and temporary living expenses.
Walls-in unit features
Interior finishes, fixtures, and improvements.
Personal property
Your belongings inside the unit.
Loss of use
Hotel costs if your unit is uninhabitable.
Liability
Protection if someone is injured in your unit.
Medical payments
For guests injured in your condo.
Loss assessment
Your share of building-wide damages or repairs.
Coverage Options
Rental Coverage
Personal property
Furniture, electronics, clothing, and belongings.
Loss of use
Temporary housing if your rental becomes unlivable.
Liability
Protection if someone is injured in your rental.
Medical payments
For guests injured in your apartment or rental home.
Landlord-required liability
Meet lease requirements for coverage.
Condo Policy Alignment
Master Policy Alignment
Your HOA's master policy type determines what you need to insure. Bring us your bylaws or declarations, we'll make sure your HO-6 fills the gaps.
All-in
Master policy covers everything, including unit interiors and built-ins.
Single entity
Master policy covers original fixtures, but not upgrades or improvements.
Bare-walls
You're responsible for everything from the drywall in.
Tailored Solutions
Custom Coverage Options
Customize Your Coverage
Adjust your policy to match your belongings, lease, and budget.
- Property limit – Based on the value of your belongings
- Replacement cost upgrade – Get new items, not depreciated value
- Liability requirements – Match your lease or landlord's mandate
- Deductible options – Balance premium vs. out-of-pocket costs
- Proof for landlords – Documentation for lease compliance
Common Gaps & Smart Add-ons
Basic renters policies often miss these important protections.
- Water backup – Basement floods, sewer backups
- Scheduled valuables – Jewelry, cameras, musical instruments
- Special personal property – Bikes, sports equipment, collectibles
- Identity fraud expense – Recovery costs for identity theft
- Replacement cost upgrade – Full replacement value vs. depreciated
Our Rental Insurance Clients
Who it's for
Renters insurance is essential for anyone living in rental housing in Michigan.
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Apartment Renters
Protect belongings and cover liability.
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House Renters
Even full homes need renters insurance.
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Lease Requirements
Many landlords require renters insurance.
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Roommates & Students
Affordable protection for shared spaces.
Our Condo Insurance Clients
Who it's for
Condo insurance is essential for Michigan condo owners who need walls-in coverage and HOA alignment.
Condo Owners
Unit owners in HOA-managed buildings.
Multi-unit Buildings
Apartments and townhomes with shared structures.
HOA Requirement
Lenders Requiring Coverage
Mortgages typically require proof of insurance.
Our Process
How We Work
Review
We look at your building type, master policy (if condo), lease requirements, and belongings.
Compare
We shop multiple carriers to find the right coverage and pricing.
Protect
You get tailored coverage that fits your situation and budget.
FAQs
Condo Insurance FAQs
FAQs
Renters Insurance FAQs
Insights
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Four Types of Auto Insurance Coverage You Should Have
When looking for vehicle insurance in Williamston, MI you should become acquainted with the various types of coverage.
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