Your hard earned investments are important so give them the solid protection they deserve. We protect more than just your home, we also cover your personal belongings , liability and more.
What does a BCIC Homeowners' Policy cover?
BCIC’s Home “Cover All” policy provides protection against:
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Damage to Buildings
We can protect your property against damage to buildings caused by fire, lightning, hurricane, earthquake, explosion and other risks. -
Property Theft and Damage
We provide cover for your valuables such as jewelry, electronics, furniture, appliances, art and other household items. -
Collision
Accidents happen but rest assured that your home will be covered against damage caused by collision i.e. by aircraft or other aerial devices and articles falling from them, or by animals. You are also covered against damage caused by falling trees or branches and utility poles. -
Relocation
If your home becomes uninhabitable due to damage caused by an insured risk such as flood, earthquake, hurricane, we will pay rent or the reasonable cost incurred to seek alternative living arrangements. -
Personal Liability
If guests are injured while at your home, you will become legally responsible for their safety. In the event of an accident, your policy will compensation for bodily injury once you are found to be legally responsible.
Just think, what would you do if there is damage to your home and you do not have Homeowners’ insurance? It is a scary thought. Considering the huge cost to replace your property and all your valuables, getting home insurance is a wise choice. Prepare for the unpredictable perils with Homeowners’ insurance from BCIC. Get a free quote on your home.
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Bodily Injury
Death, injury, illness or disease. -
Buildings
The home, landlord’s fixtures and fittings, solar heating systems and radio and television aerials, located in the home, walls, gates, fences, hedges, terraces, patios, swimming pools, water tanks, septic tanks. -
Contents
Household goods, personal belongings (including money and valuable property) collections of stamps, coins, tenant’s fixtures and fittings (including interior decorations). -
Family
Your relatives permanently living in the home. -
Home
The private dwelling, garage and outbuildings used for domestic purposes only. -
Household
Your family and domestic staff permanently living in the home. -
Premises
The buildings and the land within the boundaries belonging to them. -
Unfurnished
Without sufficient furniture and furnishings for normal living purposes. -
Unoccupied
Not lived in by you or by a person authorised by you. -
You
The person or people referred to in an insurance policy, usually referred to as the insured.
- + Insurance Coverage
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BCIC’s Home “Cover All” policy provides protection against:
-
Damage to Buildings
We can protect your property against damage to buildings caused by fire, lightning, hurricane, earthquake, explosion and other risks. -
Property Theft and Damage
We provide cover for your valuables such as jewelry, electronics, furniture, appliances, art and other household items. -
Collision
Accidents happen but rest assured that your home will be covered against damage caused by collision i.e. by aircraft or other aerial devices and articles falling from them, or by animals. You are also covered against damage caused by falling trees or branches and utility poles. -
Relocation
If your home becomes uninhabitable due to damage caused by an insured risk such as flood, earthquake, hurricane, we will pay rent or the reasonable cost incurred to seek alternative living arrangements. -
Personal Liability
If guests are injured while at your home, you will become legally responsible for their safety. In the event of an accident, your policy will compensation for bodily injury once you are found to be legally responsible.
Just think, what would you do if there is damage to your home and you do not have Homeowners’ insurance? It is a scary thought. Considering the huge cost to replace your property and all your valuables, getting home insurance is a wise choice. Prepare for the unpredictable perils with Homeowners’ insurance from BCIC. Get a free quote on your home.
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- + Insurance Glossary
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Bodily Injury
Death, injury, illness or disease. -
Buildings
The home, landlord’s fixtures and fittings, solar heating systems and radio and television aerials, located in the home, walls, gates, fences, hedges, terraces, patios, swimming pools, water tanks, septic tanks. -
Contents
Household goods, personal belongings (including money and valuable property) collections of stamps, coins, tenant’s fixtures and fittings (including interior decorations). -
Family
Your relatives permanently living in the home. -
Home
The private dwelling, garage and outbuildings used for domestic purposes only. -
Household
Your family and domestic staff permanently living in the home. -
Premises
The buildings and the land within the boundaries belonging to them. -
Unfurnished
Without sufficient furniture and furnishings for normal living purposes. -
Unoccupied
Not lived in by you or by a person authorised by you. -
You
The person or people referred to in an insurance policy, usually referred to as the insured.
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Signing up for Home “cover All” policy is Easy:
Check out our blog for more home insurance tips – //blog.bcicjamaica.com/blog/5-reasons-you-need-home-insurance-after-your-mortgage-is-paid-off