Home Insurance

Covers the house and what's inside

In Smart Insurance we offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

A basic homeowner’s insurance policy will cover the following:

  • The structure of your home
  • Replacement costs
  • Personal possessions (up to a set limit)
  • Living expenses in case of a disaster
  • Liability
  • Useful Information

    A standard insurance policy for homeowners includes:


    Coverage for the structure of the house


    This policy covers the costs in case your house suffers damages and is destroyed by fire, hurricane, hail, lightning or other. It does not cover the damages caused by flood, earthquake or lack of maintenance.


    Coverage for your belongings


    Your clothing, equipment, furniture and other personal items are covered in case of fire, theft, hurricane or other disaster stipulated in your policy. Generally the coverage is between 50% and 70% of the amount of insurance that pays for the structure of the house.


    It also includes a protection for your personal belongings when you are out of the house, the amount covered in this case is generally limited to 10% of the total insurance.


    Liability protection


    Protects you from physical harm or property that you or a family member, or even your pet, causes to another person. In the case of this policy, you will be covered both by the necessary payments to defend it in court, and by any amount you must pay as a result of a judgment.


    Also if a guest is injured inside your home, the medical expenses will be paid by your insurance company.


    Additional costs


    In the event that you can not live in your home for damages caused by fires, storms or other disasters provided in the contract, the policy will cover the expenses with the hotel, restaurants and other subsistence expenses while your home is under reconstruction.


    For any questions or additional information, do not hesitate to contact us for a free quote!

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