We provide coverage for your home, its contents and personal belongings against loss or damage by:

  • Fire, lightning, explosion
  • Earthquake or volcanic eruption
  • Hurricane storm, flood
  • Riot, strike, malicious damage
  • Burglary, housebreaking theft
  • Bursting and overflowing of pipes and water tanks
  • Impact damage from vehicles, animals, aircraft or aerial devices
  • Sudden accidental damage
  • Subsidence and landslip



The following additional coverage is provided, subject to certain conditions

For building

  • Accidental breakage of glass
  • Accidental damage due to underground tanks, pipes and cables
  • Additional expense of alternative accommodation & loss of rent

For Contents

  • Servants’ and visitors’ personal property
  • Unspecified special possessions
  • Computers and electronic data processing equipment
  • Temporary removal for safekeeping
  • Money, Gold, Accounts, Bills, Deeds, etc.
  • Property used for or intended for business use



For Medical Expenses

We will pay for accidental medical expenses, ambulance or similar services resulting solely from your ownership or use of the insured premises.

For Death

We will pay in the event of death caused by injury or illness sustained by Insured Perils whilst in your home.

For Public Liability

We will pay up to EC$1,000,000 (or its equivalent) for those sums for which you become legally liable as owner of the building(s).

For Travel

We will pay in the event of an accidental death of you or your spouse whilst traveling abroad as a fare paying passenger in a regularly scheduled airline, ship or other public transport

Accidental medical expenses incurred whilst outside of the Coverage Territory.

Search – And- Rescue expense in the evet of the crashing or disappearance of an airline in which you or a family member who normally resided with you was traveling.

For loss of passport, driver’s license, traveling tickets or other valuable documents.

Cancellation charges for prepaid travel arrangements.

For Miscellaneous Expenses

  • Landscaping and plants
  • Legal expenses
  • Crafts and vehicles