Home Insurance
Top 10 Reasons Why Homeowners Insurance Is Important
- Helps you rebuild if your home is destroyed.
- Your bank or mortgage lender requires it.
- Protects your investment during natural disasters.
- Covers the loss of valuables if your home is burglarized.
- Helps replace important items when lost or damaged.
- Preserves the equity in your home.
- Ensures that you and your family will always have a place to live.
- Protects your home from issues that might arise when you are away.
- Shields you from lawsuits due to accidents or other liabilities.
- Provides peace of mind, security, and protection for your family.
Comprehensive Coverage for Homeowners and Renters
Whether you're a homeowner safeguarding your house and its valuable contents, or a renter protecting your possessions, our policies offer comprehensive coverage against major risks such as fire, theft, floods, hurricanes, earthquakes, and more.
In addition to the typical items covered, we also provide protection for things you might not immediately think of—like personal keepsakes, clothing, shoes, kitchenware, electronics, appliances, furniture, solar systems, pools, and even gates and fences.
Reinstatement Value for Buildings
Your home insurance should cover the current rebuilding cost, including structures like garages, outbuildings, patios, terraces, walls, fences, swimming pools, and more.
Replacement Cost for Contents
Your policy should cover the cost of replacing items at their current market value without deductions for wear and tear. Proper coverage will allow you to replace old items with their current, upgraded models. This applies to furniture, electronics, household appliances, art, clothing, and personal valuables, subject to policy limits.
Home Insurance Coverage Provided
Our Home Insurance policy protects you from various types of damage or loss. Below are some of the main features, though additional conditions and limits may apply. Our agents are ready to assist you in understanding the many options available.
- Fire, lightning, and explosions
- Hurricanes, cyclones, tornadoes, windstorms, earthquakes, and tidal waves
- Floods
- Theft or attempted theft
- Water or oil leakage
- Damage caused by vehicles, aircraft, or animals
- Accidental damage to mirrors, sanitary fixtures, or fixed glass
- Accidental damage to TVs, computers, and electronic equipment
- Damage to underground pipes or cables
- Falling trees or branches
- Debris removal
- Malicious damage
- Subsidence, landslip, or ground heave
- Riots, strikes, or civil disturbances
- Loss of rent and alternative accommodation
- Employer’s liability for domestic workers
- Property owner’s liability
- Personal accident coverage
- Architect and surveyor fees as part of building coverage
- Temporary removal of contents
- Coverage for contents left outside (up to specified limits)
Optional Policy Extensions
You can opt to extend coverage to include:
- All-Risk Coverage for Personal Valuables: Protection for high-value items like watches, jewelry, and cameras.
- Increased Public & Personal Liability: The standard limit of $500,000 can be increased to match your needs.
- Increased Employer's Liability: For domestic staff, you can increase the standard $500,000 limit.
- Waterside Structures: Coverage for docks, seawalls, piers, jetties, and similar structures.
Mortgage Indemnity Guarantee
A Mortgage Indemnity Guarantee policy protects lenders in case mortgage repayments stop due to reasons such as death or job redundancy. While the homeowner pays the premium, this policy does not protect the borrower, but instead reduces the lender’s losses if the mortgage defaults.
We're Award Winning Insurance Company
This information provides a general overview of the types of coverage available. For more specific details and policy terms, please consult with one of our authorized insurance representatives and review your insurance contract.
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