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.
Protection for the Rainiest of Days
We provides protection for the water damage your homeowners policy doesn't cover. Simple, clear guidance for Michigan properties.
Why Choose CG Insurance
Coverage that protects your home from water damage your policy won't
Flooding can happen from heavy rains, rapid snowmelt, rising groundwater, or sewer issues, often without a declared disaster.
Not Covered by Homeowners
Standard home policies exclude flood damage.
Michigan-Focused Support
Guidance for local water tables, basements, and sewer backup risks.
NFIP or Private Options
We help you choose the right fit.
Insurance Coverage
What It Covers
Building Coverage
Foundation, walls, flooring, electrical, plumbing.
Personal Property
Furniture, appliances, and belongings (up to NFIP limits)
Debris Removal
Costs to clear damaged materials
Systems & Utilities
HVAC, water heaters, electrical panels
Certain Cleanup Costs
Pumping water, drying, limites mold remediation
Tailored Solutions
Coverage Options
Customize Your Coverage
A mix of NFIP constraints and private carrier flexibility
- NFIP vs. private flood (where private markets offer better limits)
- Building coverage limits and deductibles
- Contents coverage limits (optional under NFIP)
- Replacement cost vs. ACV (varies by policy type)
- Sewer/water backup add-ons (separate endorsement from home policy)
- Excess flood (for high-value homes or basements with costly finishes)
Common Gaps & Smart Add-ons
Flooding in Michigan often comes from sources standard policies don't cover.
- Water backup endorsement – Covers sump/sewer backups (NOT included in flood or homeowners).
- Drain/sewer coverage – For storms that overwhelm city systems.
- Excess flood – Higher limits for finished basements or high-value homes.
- Private flood upgrades – Higher contents limits, shorter waiting periods, broader coverage than NFIP.
Our Clients
Who It's For
Homeowners Near Water
Lakes, rivers, or flood-prone areas in Michigan.
Lenders Requiring Coverage
Mortgages in high-risk flood zones often mandate it.
Anyone Wanting Peace of Mind
Flooding can happen anywhere; protect your investment.
Our Process
How We Work
Evaluate
We review your property, flood zone, water table risks, and past history.
Compare
NFIP vs. private flood options, limits, deductibles, and waiting periods.
Protect
Clear guidance on what's covered and how to close gaps.
FAQs
Michigan Flood Insurance FAQs
Insights
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