Renter’s Policy
1. What’s Covered
Insured Perils
Our Renter’s Policy provides financial protection against disasters for the things you keep in your Home. We cover you for loss or damage to your 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 Third Party Liability Coverage
Occupier’s Liability$5,000,000
Accidents occurring in or about the home (if your home is occupied by you)
Personal Liability$5,000,000
Liability incurred in a personal capacity within Jamaica (if your home is occupied by you)
Liability to Domestic Employees$5,000,000
Bodily injury to domestic employees (if your home is occupied by you)
Added Benefits
Accidental DamageUp to Item Sum Insured
Mirrors (other than hand mirrors), glass tops to furniture and fixed glass in furniture
Alternative Accommodation10% 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 Up to Item Sum Insured
Excess applies - see policy for details and exclusions
Contents Temporarily Removed20% of Sum Insured
If damaged by an Insured Peril
Added Benefits
Accidental Damage
Mirrors (other than hand mirrors), glass tops to furniture and fixed glass in furniture
Alternative Accommodation
If your home is rendered uninhabitable by an Insured Peril
If contents are insured:
Freezer and/or Refrigerator Contents
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
Excess applies - see policy for details and exclusions
Contents Temporarily Removed
If damaged by an Insured Peril
