Homeowners' Insurance
Homeowners’ Comprehensive Policy
Insured Perils
Our Home Policy provides financial protection against disasters for your home and the things you keep in it. We cover you for loss or damage to your building and/or contents resulting from Fire, Lightning, Natural Disasters, Burst or Overflowing Pipes/Appliances, Riot and Strike, Malicious Damage and Theft
Property Owner Liability
$10,000,000
Accidents occurring in or about the home
Occupier’s Liability
$10,000,000
Accidents occurring in or about the home (if your home is occupied by you)
Personal Liability
$10,000,000
Liability incurred in a personal capacity within Jamaica (if your home is occupied by you)
Liability to Domestic Employees
$10,000,000
Bodily injury to domestic employees (if your home is occupied by you)
* If the Sum Insured of your building is <$20,000,000.00, all limits of liability are reduced to $5,000,000
Added Benefits
Accidental DamageUp to Item Sum Insured
Underground pipes and cables as well as fixed glass and sanitary fixtures
Alternative Accommodation / Loss of Rent10% of Sum Insured
If your home is rendered uninhabitable by an Insured Peril
If contents are insured:
Freezer and/or Refrigerator Contents$15,000
Caused by mechanical/electrical fault or external damage
Loss of Money$20,000
See policy for relevant definitions, exclusions and conditions
Accidental Death$100,000
Death of the Policyholder or their spouse as a result of fire or theft
Theft Without Forcible and Violent Entry/ExitUp to Item Sum Insured
Excess applies - see policy for details and exclusions
Contents Temporarily Removed20% of Contents Sum Insured
If damaged by an Insured Peril
Added Benefits
Accidental Damage
Underground pipes and cables as well as fixed glass and sanitary fixtures
Alternative Accommodation
If your home is rendered uninhabitable by an Insured Peril
If contents are insured:
Freezer/Fridge Contents
Damage to contents of freezer/fridge caused by mechanical/electrical fault or external damage
Loss of Money
See policy for relevant definitions, exclusions and conditions
Accidental Death
Death of the Policyholder or their spouse as a result of fire or theft
Theft without Forcible Entry
Excess applies - see policy for details and exclusions
Contents Temp. Removed
If damaged by an Insured Peril
