Our Homeowners Comprehensive Insurance Package offers the best value and widest range of coverage in Guyana. It is ideal for private dwellings, condominiums, self-contained apartments or contents only. The policy covers (but not limited to):
Perils: Fire, lightning, explosion, flood, burglary, vandalism, malicious damage, earthquake, overflow of the sea, windstorm, storm, hurricane, impact damage, accidental damage, bush fire, riot, strike, civil commotion, subsidence, landslip, ground heave, etc.
Buildings: All buildings and structures on the premises used for private purpose along with solar water heaters and air-conditioning units.
Contents: Household furnishing, appliances, fixtures and fittings, electronic equipment, valuables and personal effects, clothing, contents in freezer and internal decorations. There is also limited coverage for sporting equipment.
Employers Liability: $250,000 free cover for injury, disease or illness with an option to increase. Employees include all personal domestic staff including gardeners.
Public Liability: You or members of your household may become legally liable to a third party for injury or loss or damage to their property. The policy provides up to $750,000 free cover with an option to increase.
Personal Accident: If you suffer bodily injury caused by an accident which results in permanent total disablement, the policy provides $250,000 free cover with an option to increase.
Alternative Accommodation or loss of Rent: If your home becomes uninhabitable due to damage caused by an insured peril, the policy covers the cost of alternative accommodation or loss of rent up to 10% of the sum insured on buildings while repairs are done.
Accidental Damage: Provides cover for accidental damage to valuables and personal effects, electronic equipment and outdoor sporting equipment anywhere in the geographic area.
Accidental Breakage of Glass: Provides cover for accidental breakage of mirrors, fixed glass, plate glass, basins, baths and sanitary fixtures.
Replacement of External Door Locks: Provides up to $50,000 for the replacement and installation of external door locks if keys are stolen.
All Risks (Optional): Provides optional cover against loss of or accidental damage by any cause to valuables and personal effects and electronic equipment while overseas.