Home Owner Insurance

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CGI Agency is the known provider of home owner’s insurance. The homeowner’s insurance is designed to provide cover for people’s homes against potential risks and damages to a house or any other possessions in the home. The policy also offers coverage for accidents at home or accidents on property at home.
 
A standard homeowners policy (also known as an HO-3 policy) generally protects your home and your personal property from damage caused by:
  • Fires or lightning
  • Windstorms (including hurricanes and tornadoes) or hail
  • Explosions
  • Riots or civil commotions
  • Aircrafts
  • Vehicles
  • Smoke
  • Theft or vandalism (sometimes called malicious mischief)
  • Falling objects
  • Weight of ice, snow, or sleet
  • Freezing of plumbing, heating, air conditioning, or other household systems