Insurance Company
Home/Products/Home Insurance
Home Insurance

Protect the place you live and everything inside it.

Buildings, contents and personal liability cover for owners and tenants . including hurricane, theft and water damage.

First calculation is provisional. Final premium confirmed after document review.
A short explainer covers what the insurance solves, what documents to prepare, and how the review works.
What's covered

At a glance: Home Insurance

What it covers
  • Building structure (fire, storm, flood)
  • Contents and personal belongings
  • Theft, vandalism and break-in damage
  • Personal and third-party liability at home
  • Alternative accommodation if your home is uninhabitable
Who it's for
  • Homeowners with or without a mortgage
  • Long-term tenants protecting their contents
  • Landlords insuring rental properties
  • Owners of holiday homes and second residences
When it helps

Typical situations where this product helps

Hurricane damages your roof

Repairs and temporary accommodation covered under the named-storm benefit.

Burglary while you're away

Stolen items and forced-entry damage paid out at replacement value.

Water pipe bursts overnight

Damage to floors, walls and contents covered, plus emergency plumber call-out.

Visitor injured at your home

Personal liability handles medical and legal costs.

The fine print, made simple

What's included and what's not

Included
  • Fire, lightning and explosion
  • Named storms and flood
  • Theft and attempted theft
  • Water damage from internal leaks
  • Personal liability up to AWG 1M
Not included
  • Wear and tear or gradual deterioration
  • Damage from unrepaired pre-existing issues
  • War, civil unrest and nuclear events
  • Loss of items not declared on high-value lists
  • Property left unoccupied beyond 60 consecutive days
Before you start

Documents required

3 required, 3 optional. PDF, JPG and PNG accepted.

  • Valid ID or passport
    Required
  • Property deed or rental agreement
    Required
  • Recent photos of the property (interior & exterior)
    Required
  • Mortgage details (if applicable)
    Optional
  • Inventory of high-value items (jewellery, electronics)
    Optional
  • Previous insurance certificate
    Optional
How it works

How the quote process works

  1. 1
    Describe your property

    Type, size, location, construction and year built.

  2. 2
    Estimate contents value

    We'll provide a guide range based on your home.

  3. 3
    Upload deed and photos

    Property deed or rental contract plus recent interior/exterior photos.

  4. 4
    Provisional calculation

    An indicative annual premium with options to bundle with motor for a discount.

  5. 5
    Sales advisor confirms

    We review photos and documents, then send the official quote.

Provisional calculation disclaimer: This is a provisional calculation based on the information provided. The final premium, coverage and acceptance are subject to document review and approval by a sales advisor.
If something happens

How claims work

  1. Step 1
    Report within 7 days

    Submit details, photos and any police report for theft.

  2. Step 2
    Adjuster visit

    We arrange an on-site assessment within 48 hours for larger claims.

  3. Step 3
    Settlement

    Direct payment to approved contractors or to your account.

What affects the price

Premium factors

Sum insured (building & contents value)Location and construction typeSecurity features (alarm, shutters, gated)Claims historyExcess level and optional add-ons
Good to know

Frequently asked questions

Get covered today

Start your home insurance in minutes. No paperwork.

Get your provisional calculation now, or talk to an advisor for tailored guidance. It's free and takes less than a minute.

Talk to an advisor
Provisional in 60 seconds No credit card needed Advisor support included
Browse all products