CIG Homeowners Programs-Homeowners Special Program-Homeowners Renters Program - Homeowners Condominium Unit Owner Program -Customized Protection for You and Your Home -Dwelling protection customized to meet the estimated rebuilding cost of your home-ThinkTwice Extended Replacement Cost protection in the event of a total loss that exceeds the limit of coverage on your home -Personal Property Replacement Cost protection in the event your property is damaged or destroyed - Additional Living Expense coverage in the event your home is damaged and not habitable for a time -Key and Lock Replacement after a covered loss -Spoilage of Refrigerated Products after a covered loss -Worldwide Personal liability coverage -Medical coverage for injured guests, regardless of fault -Identity Fraud Expense Reimbursement and Unlimited Fraud Prevention and Resolution Assistance -Personal Injury liability coverage (such as libel or slander) -*The replacement cost for your home is developed as a result of a collaborative effort between you, your agent, and CIG. Optional Property and Liability Protection CIG Secure Choice with added protection for business property, sewer and drain backup, and special property coverage. Home appliance and electronics breakdown Ordinance or Law protection after a covered loss in the event local, state, or federal building codes change Individual protection for valuable personal property that may not be fully protected by the basic policy, including: 1.Wedding rings or other valuable jewelry 2.Firearms 3.Bicycles, golf clubs, and other sports equipment 4.Lawn tractors 5.Golf carts; and more… Earthquake coverage Accidental Death and Mortgage protection Liability protection for your secondary home or one- to four-family rental property Liability protection for home offices and certain incidental business on your property Home Farm liability coverage Home-Based Business liability coverage (available only in CA and OR) Workers compensation for resident household employees (available only in CA) Customized Savings and Discounts CIG Home+Auto™ multi-policy discount if you insure both your personal auto(s) and home with CIG Loss Free discounts (available only for new clients) Renewal discounts to recognize your continued trust in CIG Home Security discounts if your home is protected by a central alarm or sprinkler system Century Age credit if the insured is age 50 or older or if joint insureds have combined ages of 100 or more Insurance Credit Score discounts (available only in OR and WA; no surcharge for less-than-perfect credit) New home discount Non-Combustible Roofing credit, if your roofing material is made with tile, slate, or other non-combustible material Additional Benefits and Services CIG On-the-Spot Response FastTrack Processing™ of claims