🏠 Home Insurance — Covers structural damage from windstorm, debris impact, and falling objects. The most critical policy for Caribbean homeowners.
🌊 Flood Insurance — Standard home policies almost always exclude flood from rising water. A separate flood policy is essential in low-lying or coastal areas.
🔥 Fire Insurance — Fire, smoke, and lightning damage are covered under most home policies. Ensure your contents are covered separately.
📦 Contents Insurance — Protects your furniture, electronics, and valuables inside the home. The building and the contents are separate risks that need separate coverage.