Homeowners Comprehensive Policy

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.

WOULD YOU LIKE TO SIGN UP?  Please complete our Homeowners Comprehensive Application Form and submit it to a GTM Insurance Advisor or one of our offices near you.