Frequently Asked Questions

Yes, we offer interest-free payments that can be made monthly, quarterly, or semi-annually.

Yes, we are happy to offer various deductible options for your policy.

Market price may consider the land value, while home insurance value considers only the cost of the actual home structure. Home insurance value is based on the rebuilding cost of your home, including walls, gates & fences, fixtures & fittings, solar panels, pools and more – but does not cover the land value.

Your bank/mortgage lender may be satisfied to insure only the amount left on the mortgage, in the event of a partial loss. However, underinsurance would be applied to the claim payment – which means that you may need to pay out of pocket to fully repair your home.

You can download a copy of your current Certificate and Schedule for Home Policy from our customer portal at hellocgi.com.

Hurricane protection is included as standard cover under our Home Insurance policy.

Do not wait to make temporary repairs that will prevent further damage. Be sure to take pictures of the damage as soon as possible, take photos of any temporary repairs you make, and save your receipts if you spent money on the repairs. Contact us as soon as possible so that a team member can help file your claim.

If a tree falls on your house, your home insurance policy will likely cover the cost to repair the damage and the cost to remove the tree. However, there are times when this might not be covered by your policy e.g. you are cutting down a tree yourself and it falls onto your roof. In any event it is important to contact us to speak with a team member as soon as possible.