Frequently Asked Questions

Yes, speak to one of our representatives to discuss 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. However, in the event of a partial loss underinsurance would be applied to the claim payment. This means that you may need to pay out of pocket to fully repair your home.

Hurricane protection is included as standard coverage under our home insurance policy. However, you can exclude hurricane cover for a reduced premium. Speak to one of our representatives to find out more.Take steps to prevent any further loss or damage by making temporary repairs. Be sure to take pictures of the damage and save receipts for any temporary repairs completed. Contact us as soon as possible so that a team member can help file your claim.

You can download your documentation for your home from our customer portal at hellocgi.com.