The Importance of Home Insurance
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.
The One Insurance You've Got to Get Right
You've probably heard that your home is your most important asset. But what does that really mean? It means you owe it to your family's safety and security to address the gaps in your homeowners policy before it's too late.
Our Solutions
Protection Designed for How Michigan Families Actually Live
Through no fault of your own, your homeowners policy may have gaps you're unaware of. CG has the knowledge and expertise to fill those gaps.
We Go Above and Beyond.
We review your coverage, shop the right carriers, and making sure you're protected - not just insured.
Our Coverage is Comprehensive.
Your home deserves coverage that reflects its true value, not generic limits. At CG we dig deep to provide true coverage.
We Know Michigan Because We're Michiganders
We help you choose protection for your property and belongings with guidance informed by Michigan’s unique weather patterns and housing considerations.
Insurance Coverage
What it Covers
Dwelling
Repair or rebuild the home after a covered loss.
Other Structures
Detached garage, fences, sheds, and similar structures.
Personal Property
Your belongings at home and while traveling.
Loss of Use
Extra living costs if your home is unlivable.
Personal Liability
Injuries or damage you are legally responsible for.
Medical Payments
Small medical bills paid quickly, no fault required.
Policy Options
Types of Policies
Replacement Policy
Pays to repair or replace damaged parts of the home with materials of like kind and quality, up to your policy limits. Helps you restore finishes and fixtures to a similar standard after a covered loss.
Repair Policy
Pays to repair damage using reasonable, modern materials, up to your policy limits. Settlement may reflect the item's prior condition and age rather than full like-for-like replacement.
Tailored Solutions
Coverage Options
Customize Your Coverage
Set limits and options for how you use your home.
- Dwelling limit – Based on estimated rebuild cost, not market price.
- Contents valuation – Replacement cost vs ACV on belongings.
- Deductibles – All peril and wind or hail as applicable.
- Smart add-ons – Water backup, service line, ordinance, or law.
- Umbrella alignment – Confirm underlying liability limits if you add umbrella.
Common Gaps & Smart Add-ons
- Water Backup – Sump or sewer overflow needs its own limit.
- Service Line – Buried utility lines to the house.
- Ordinance or Law – Required code upgrades during rebuilds.
- Equipment Breakdown – Home systems and major appliances.
- Scheduled Valuables – Jewelry, art, instruments above sublimits.
- Identity Fraud Expense – Eligible remediation costs.
- Flood note – Home policies do not cover flood. See Flood Insurance.
Our Clients
Who it's for
Single-Family Homeowners
Standard HO-3 policies for principal residences.
High-Value Homes
Enhanced coverage and agreed-value options for unique properties.
Investors & Second Homes
Policies built for rental properties and seasonal retreats.
Related Coverage
Other Home and Related Policy Types
Condo (HO-6)
Protects the interior of your unit, personal belongings, and liability beyond what your association’s master policy covers.
Renters (HO-4)
Covers your personal property and provides liability protection, even though you do not own the home itself.
Umbrella
Umbrella insurance is crucial and most people don't have it. Provides additional liability protection above your home and auto policies for added peace of mind. Don't leave yourself vulnerable to life's biggest risks.
Flood
Offers coverage for flood-related damage, which is not included in most standard homeowners policies.
Our Process
How We Work
Review
Home profile, rebuild cost, valuables, and risk.
Right-Size
We compare carriers for coverage and price.
Renew
Annual reviews with easy updates.
FAQs
Frequently Asked Questions
Insights
Related Insights
View Insights
What is a Home Inventory Sheet?
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.
Insights
Your Home Needs Protection With Home Insurance
When purchasing home insurance, it is important to note that you must have enough coverage for replacement.
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