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Understanding Your Policy

The following is a summary of the cover offered by the policy.

Home Insurance Policy

Section 1 The Buildings of your home
Section 2

Your Contents

  • you have the option to include these or not
Section 3

Your Liability

  • to domestic employees (if any)
  • as owner and/or occupier of your home
  • in a personal capacity
Section 4

Various accidental loss/damage covers

  • Accidental breakage of fixed glass and sanitary ware
  • Accidental damage to underground cables and pipes
  • Replacement of door locks
  • Fatal accident benefit
  • Loss of personal money
  • Credit card abuse
  • Spoilage of food
  • Accidental breakage of mirrors and glass.

Also, some items can be provided with wider cover, but only if you have insured your Contents under Section 2. Valuables, personal effects and electronic equipment can be covered for accidental loss or damage. A detailed listing of all items is required and an additional premium must be paid.

Section 5

Personal Accident Cover

  • Provides compensation in the event that you suffer bodily injury caused by an accident which results in your permanent total disablement.
  • Should such an event occur the Policy will pay the outstanding amount of your mortgage
    to the Bank (up to a maximum of US$250,000), in respect of the home insured under Section 1 of the Policy.


Policy Schedule

The Policy Schedule is an extremely important document as it is here that the specifics of your risk are documented (insured name, address of property insured, period of insurance, sections covered, sums insured, etc..).


It is important to appreciate that the figure entered as the Sum Insured/Limit of Liability for each section   is the maximum that can be paid in the event of a loss. Where N/C appears on the Policy Schedule, there is no cover provided.


Please check your Policy Schedule carefully and ensure that all details are correctly stated. 

For more information, please contact:
Tel: (345) 949 7055
Fax: (345) 949 7004




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