Homeowners’ Comprehensive Policy

1. What’s Covered

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.

Read our full policy wording here.

Third Party Liability Coverage  (If Building Sum Insured is ≥$20,000,000*)

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