YOUR MOST VALUED ASSETS

Homeowners insurance

Dwelling Fire Insurance

Earthquake Insurance

Auto Insurance

Good Driver Discounts

Roadside Service

200% Replacement Coverage

Renters Insurance

Landlord Protection Insurance

Excess Liability Insurance

Identity Theft Protection

Multi-Policy Discounts

HOME & RENTAL

Protecting your possessions and home is important. CIG Shasta offers insurance for homeowners and renters alike. Your home and belongings will be insured against disasters like wildfires as well as criminals

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AUTO

Basic insurance covers your vehicle for damage or loss, but the right amount of coverage also provides protection from financial exposure due to injuries sustained in an accident — to yourself, your passengers, other drivers, or pedestrians — as well as damage to other people’s property. A CIG Insurance Advisor can steer you in the right direction, toward coverage that fits your needs and budget.

EXCESS LIABILITY

Your Home and Auto policies provide an excellent basic foundation for your liability coverage. Excess Liability Insurance goes the extra mile to provide additional coverage you may need to protect you against the possibility of catastrophic or frivolously expensive legal liability. Personal Excess Liability Insurance is available in $1 million increments. Add $1 million to $10 million in coverage to your CIG Home+Auto™ policy to install a NetWorth Defense™ that shields you and your loved ones — for as little as $10 a month.

Make It Your Own

Get Our Mobile App!

Whether you’re on iPhone, iPad or an Android device, our mobile app is built for you. Have the convenience of a mobile app to manage your policy, pay your bill and report claims. Visit the CIG Mobile App Page today!

LEARN MORE

HOME & RENTAL

CIG Homeowners Coverage Highlights

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

 

CIG ThinkTwice Coverage™ 200% of Replacement Cost

Does your current homeowners insurance policy provide the right coverage if disaster strikes? It may not. Think about this: The coverage amount you selected for your home won’t be enough to rebuild a comparable home, under certain circumstances. This means the 100, 125, or 150% extended replacement cost options provided by other insurance providers may fall hundreds of thousands of dollars short of what you need to rebuild or replace. This is important to you because you’ll have to pay the difference.

Read more about ThinkTwice Coverage™

Home Appliance and Electronics Breakdown Coverage

Home Appliance and Electronics Breakdown Coverage* gives you the extended coverage option to insure your appliances, such as your refrigerator, air conditioner, water heater, and more in the event one or more of these breaks down. You’ll be covered for mechanical or electronic breakdown and be protected from costly out-of-pocket expenses for labor, parts, and loss of use. All this for less than $3 a month when you add the Home Appliance and Electronics Breakdown coverage to your CIG Home policy!

Learn more about this valuable coverage from your CIG Insurance Advisor.

*Not available to renters or condo unit owners at this time. Breakdown coverage includes all mechanical, electrical, or pressure equipment, appliances, or systems covered for other risks in your CIG Home policy. Appliances or electronics that no longer work or no longer work as they should due to wear and tear are not covered.

Learn more about Home Appliance Coverage

CIG Bonus Benefits

Identity (ID) Fraud Expense Reimbursement is automatically included in your CIG Home policy, at no additional cost to you. The coverage provides ID Fraud Expense Reimbursement to cover attorney fees and other expenses associated with ID theft as well as unlimited fraud resolution and prevention assistance. You’ll receive round-the-clock access to CIG’s ID Fraud Resolution Helpline.

CIG FastTrack Processing™ and CIG On-the-Spot Claim Service is second to none in the insurance industry. CIG’s field claims adjusters handle your claim quickly and fairly, often issuing checks right on the spot. The CIG 24/7 Claims Reporting Center gets an A+ from clients — 95% consistently say they are pleased with the quality of service and speed of response.

The Protector Network® is a complementary membership benefit for CIG policy clients. This online resource provides valuable safety and security tips, news, articles, and exclusive, members-only brand partner discounts on products and services, including legal advice, identity monitoring, and tax preparation.

Learn more about Extended Coverage

CIG Dwelling Fire Insurance

If you own a home you rent out, consider a CIG Dwelling Fire policy to protect your investment. Would you be protected if your tenants accidentally started a devastating kitchen fire? What if a windstorm knocked a big tree onto the roof? Talk with a CIG Insurance Advisor to see what a Dwelling Fire Insurance policy covers and how you can be protected when disaster strikes.

Landlord Property Protection Coverage Highlights

  • Dwelling protection customized to meet the estimated rebuilding cost of your rental property*
  • Think Twice Extended Replacement Cost protection in the event of a total loss to your dwelling that exceeds the limit of coverage on your home
  • Landlord Property coverage, including furniture, appliances, or other items in the dwelling
  • Loss of rental income in the event your rental dwelling is damaged and not habitable for a time
  • And more…

Customized Savings and Discounts

  • Roofing material credits if the roof of your dwelling is made of tile, slate, or other non-combustible material
  • Home Security discounts if your home is protected by a central alarm or sprinkler system

Optional Property and Liability Protection

  • Owners and Landlords liability protection
  • Premises Medical coverage for injured guests, regardless of fault
  • Personal Injury if you’re sued for wrongful eviction, slander, or libel
  • Earthquake coverage
  • Ordinance or Law protection after a covered loss in the event local, state, or federal building codes change

Loss Assessment Additional Benefits and Services

  • CIG On-the-Spot Response™
  • FastTrack Processing™ of claims

 

VIEW ALL HOME & RENTAL PRODUCTS

AUTO

CIG Auto Coverage Highlights

Customized Liability and Medical Protection:

  • Liability protection in case you are held responsible if others are injured or killed, or if their property is damaged in an auto accident
  • Uninsured or underinsured motorist’s liability protection if you, a household family member, or passenger are injured by someone who is uninsured or who does not carry enough insurance
  • Medical or Personal Injury protection if you, your family, or passengers are injured in a covered auto accident

Customized Protection for Your Vehicle:

  • Physical damage protection for your automobile if it’s damaged in an auto collision or in a non-collision event, such as a vehicle theft, vandalism, fire, or more
  • Transportation expenses if your vehicle is not available after a covered auto loss
  • Roadside assistance to help you get back on the road after a flat, lock out, and more
  • Auto Replacement Coverage that replaces your new vehicle in kind, if it’s totaled in the first 12 months of ownership with less than 15,000 miles
  • Custom equipment coverage protection for non-factory equipment, such as a stereo system or special wheels and rims

Customized Savings and Discounts:

  • Auto + Home multi-policy discount if you insure both your personal auto and home with CIG
  • Multi-vehicle discount when you insure more than one vehicle with CIG
  • Insurance Credit Score discounts (available only in NV, OR, and WA; no surcharge applies for less than perfect credit)
  • Renewal discounts to recognize your continued trust in CIG
  • Good Student discount to recognize academic excellence*
  • StartSmart Teen Driver discount to recognize teen drivers who take the CA Highway Patrol StartSmart Teen Driver safety course (available only in CA)**
  • Inexperienced Young Driver Safety discount (available only in NV)
  • Vehicle Safety discount for airbags
  • Anti-Theft discounts for audible, active or passive alarms
  • Theft Recovery Device discount (available only in OR and WA)

Custom Benefits and Services:

  • Coverage for damages to a personal automobile you rent
  • 24/7 Claims Assistance
  • Come-To-You Auto Glass Repair
  • Name brand auto parts replacement
  • Accident forgiveness option if you have an accident and were accident free in the previous 5 years (available only in OR and WA)

 

Available discounts and coverages vary by state. Please contact your CIG Insurance Advisor for a cost and coverage review.
* Good Student discount is for any student age 25 or younger who maintains a B or better grade point average.
** Start Smart Teen Driver discount is available only in CA.

 

Roadside Assistance

 CIG AutoCard 100™

Have you ever run out of gas in the middle of nowhere? Blown a tire along a busy highway? Found your battery to be dead at the worst possible time? Whatever your roadside emergency, CIG will be there for you. We’ll even tow you up to 100 miles – much farther than most standard auto club memberships!

AutoCard 100™ Roadside Express Service is just a call away, anywhere you go in the United States and Canada. Plus, every driver in your household gets a handy wallet card with your policy number and all the contact information they’ll need when the unforeseen happens while operating a vehicle with nationwide roadside protection.

Connect with a CIG Insurance Advisor to learn more about AutoCard 100™.

AutoCard 100™
What to Do After an Auto Accident

Claim Service

 Here When You Need Us Most

A traffic accident is a traumatic event for everyone involved. Reporting and settling a claim doesn’t need to be. CIG is here to help you through the process every step of the way. After an accident, CIG On-the-Spot Claim Service and field claims adjusters handle your claim quickly and fairly, often issuing checks right on the spot.

The CIG 24/7 Claims Reporting Center gets an A+ from clients — 95% consistently say they are pleased with the quality of service and speed of response. You’ll receive fast, courteous, timely claim service and quick payment of covered losses through CIG FastTrack Processing™.

Bonus Benefits

 Get All the Benefits of Your Policy!

By purchasing an auto insurance policy from CIG, you receive benefits like these:

Come-To-You Auto Glass Repair

A ding or crack in your windshield may not look like much, but it can become a serious safety hazard. That little knick can grow and potentially risk the stability of your entire windshield! When you have comprehensive coverage on your CIG Auto policy, we’ll come to you and repair a small crack or chip — FREE of any out-of-pocket expense to you — and waive your deductible! It pays to call sooner rather than later. If your windshield needs to be replaced, your deductible will apply. Call the CIG Claim Service Center at 1-800-986-9974.

The Protector Network®

We’re committed to keeping your family, home, possessions, and business safe. That’s why CIG insurance policies include complementary membership in The Protector Network. This information-packed, members-only website provides valuable tips, news and articles on safety and security, and discounts on products and services, as well as access to services like legal advice, identity theft protection, and tax preparation. If you are already a CIG policy client, you can activate your complementary membership now!

Activate Your Complementary Membership

 FastTrack Processing™ of Claims

CIG’s On-the-Spot Claim Service is second to none in the insurance industry. In the event of a loss, time is critical. CIG’s field claims adjusters will handle your claim quickly and fairly, often issuing checks right on the spot. The CIG 24/7 Claims Reporting Center gets an A+ from clients — 95% consistently say they are pleased with the quality of service and speed of response. Clients receive fast, courteous, timely claim service. Covered losses are filed through CIG FastTrack Processing™ for quick payment.

Name Brand Auto Parts Replacement

We’ll make sure your vehicle repairs are made with the highest quality replacement parts from your original equipment manufacturer.

Additional Discounts

You may also qualify for specific cost-saving discounts or coverage options, including:

  • Coverage on two or more vehicles
  • Installed safety devices, such as airbags
  • Installed vehicle theft prevention devices, such as alarms, disabling devices,
    and theft recovery
  • Good Student discount*
  • StartSmart Teen Driver discount**
  • Mature Driver/Accident Prevention Course discount (for drivers 55 years of age and older)
  • Continuous year-to-year renewal with CIG
  • Conviction and accident-free driving
  • Choice of deductible from $100 to $10,000
  • Significant savings for driving less or low annual miles
  • Membership in California Professional Firefighters or the California State
    Firefighters’ Association
  • And more…

 

VIEW ALL PERSONAL AUTO PRODUCTS