Home Insurance
Product Benefits
Hurricane & Windstorm Cover
The sea is a formidable force. Island Heritage Home Insurance covers you for damage caused by a hurricane, cyclone, tornado or windstorm, and also for any resulting damage from flood or sea surge.
Alternative Accommodation
If your home is damaged we'll pay for alternative accommodation for you, and any family members living with you, until your home is fit to live in again.
Loss of Rent
If your home is rented, we'll pay the rent you should have received while your home is unfit to live in.
Replacement of Locks
Where the keys to an external door of your home have been stolen, we'll have a new lock installed or replaced for you.
Terms and conditions apply regarding the above.
Take a look at our other optional extra
Temporary Worldwide Cover
You have the option to insure your valuables, personal effects and electronic equipment anywhere in the world for up to 90 days.
* Terms and conditions apply
Home Insurance Details
The sum insured must represent the full rebuilding cost using up-to-date construction costs of:
- Your home
- The outbuildings
- Landlord's fixtures and fittings
- Swimming pools
- Patios
- Terraces
- Footpaths
- Satellite dishes
- External antennae
- Hard courts
- Walls
- Gates and fences
Seawalls, docks, piers and jetties may also be eligible. Please contact us for more information.
The cost of removing debris after a loss and the cost of architects, surveyors and legal fees should also be included in the sum insured. As a rule of thumb, add 10% to the value of the rebuilding costs.
All your household goods, valuables and personal effects should be insured for their replacement cost at current value.
Clothing and linen should be insured for replacement value less deduction for fair wear and tear.
Valuable Items
- Stamp, coin or medal collections, antiques and other collectibles, fur, works of art, jewellery, gold, silver and other precious metals are all considered valuable.
- Where you insure valuables with your contents, there are limitations on the proportion of valuables to your other contents. For information on these or any other policy limits please contact us.
The deductible is the first amount of each claim that you must pay and applies to each peril claimed for. The amount will be shown on your policy schedule.
Buildings
Includes the building and its original fixtures and fittings, patios, terraces, swimming pools, footpaths, satellite dishes, external antennae, hard courts, walls, gates and fences
The sum insured must be for the full rebuilding cost of the home, including allowances for debris removal, demolishing, and professional fees.
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Sub-limits
Removal of debris, dismantling, demolishing, shoring up or propping, extra expense for Government compliance, architect, surveyor and engineer fees 5% of the building sum insured -
Loss of rental income or alternative accommodation
5% of the building sum insured -
Contents
Includes domestic household goods, personal effects, valuables, fixtures, fittings and interior decorations situated inside your home The sum insured must be for the full replacement cost value of all items under contents cover. -
Legal liability
To domestic employees
$250,000 -
As owner/occupier and in a personal capacity
$500,000 -
Accidental damage
Valuables, personal effects and electronic equipment 5% of the contents sum insured or $2,500 per item - whichever is less -
Personal money and credit cards, spoilage of food
$1,000 -
Accidental breakage of mirrors and glass
$1,000 -
Accidental breakage of fixed glass and sanitary ware
$1,000 -
Accidental damage to underground service systems
$1,000 -
Door locks
$1,000 -
Fatal accident benefit
$3,000
Also available:
We're here to help
Our staff are happy to give you more details and answer your questions.
Send us an email
Call us on +246 434 2800