By Building we mean: The House including fixtures and fittings, together with its garages and outbuildings used for domestic purposes. In addition, patios, terraces, footpaths, drives, walls, fences, gates, swimming pools and tennis courts are covered under this policy.

The building is insured against damage by various causes, the principle ones being: Fire, Storm, Flood and Hurricane. The Policy also provides insurance against

• Accidental breakage of fixed glass or sanitary ware.
• Accidental damage to cables or underground services
• Architects, Surveyors and Legal Fees incurred following damage to your House.

Optional Extensions to this policy: Reasonable additional cost of accommodation following damage to your House:

• Loss or damage to satellite television systems
• Loss or damage to docks and seawalls
• Accidental damage to Buildings.

Important Notes

1. This page provides only brief information about Home Insurance; please read and understand your policy.
2. Your policy does not cover you for the cost of wear and tear. It is a condition of the policy that you keep your property in good order and take steps to avoid damage.
3. You must ensure that your Sums Insured are kept up to date. If you extend or make improvements to your home, you will increase its building cost. Remember to increase your sum insured.
    

Insurance of your Contents

By Contents we mean: Household items and personal effects belonging to you or to members of your family who normally reside with you. The contents are insured against loss or damage by various causes, the principle ones being Fire, Smoke, Flood, Hurricane and Theft. The policy also provides insurance against

• Accidental breakage of mirrors or fixed glass in furniture
• Accidental damage to television, audio, video and computer equipment

Optional Extensions to this policy: Accidental damage to all contents

Important Notes

1. This leaflet provides only brief information about Home Insurance; please read and understand your policy.
2. Our policy will repair, replace or pay the cost of replacement as new except for household linen and clothing where a deduction is made for wear and tear.
3. You must ensure that your Sums Insured are kept up to date when new items are bought. Remember to always maintain an adequate sum insured.

Insurance of your Personal Possessions

By Personal Possessions we mean: Valuables and other items you specifically list in your policy.

Personal Possessions are insured against loss or damage at anytime anywhere within the Bahamas and outside of the Bahamas for up to 60 days per year. The maximum amount payable is the Sum Insured stated in your policy Schedule. Copies of Valuations or proof of purchase price for all items exceeding $1,000.00 will be required before cover commences.