CHG Insurance

At CHG, we write home insurance for a particular market. We are not a main stream agency for home insurance.

However, due to the vast changes in the home insurance market want to  point out a few things.

There can be major differences between policies offered by the same company.

While the main coverages appear to be the same the real differences are found within the policy.

Regardless of where you insure your home we recommend that you take the time to visit with your agent to review your home insurance policy.

Make sure you limits are adequate, discuss antiques and fine arts or other collectible items as well as possible discounts.

In some cases, there may be a new policy that offers broader coverages that may be of value to you. 

At CHG, we work with Chubb Personal Insurance (CPI) so we can offer the best coverages out there for clients with custom and historical homes.

Here are a few things that set them apart from other companies

• Complimentry Home Apprasals - a Chubb appraiser can visit your home and estimate the replacement cost
• Specialized Experience - appraisers have backgrounds ranging from historic homes and preservation to architecture, fine arts and interior design.
• Optional Cash Payment - if you decide not to rebuild after a total covered loss or to rebuild in a different location, you can opt for a cash payment.
• Extended Replacement Cost - Chubb will pay to repair or rebuild your home after a covered loss, even if the cost to do so exceeds your policy limit.
• Comparable Temporary Housing - Chubb offers generous coverage for the expenses to maintain your usual standard of living while your home is being repaired.