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Scotia Home Insurance.
Protection for your home.
Protect your home.
Smart homeowners know that protecting what may be their biggest asset from life’s uncertainties is just good financial planning.
They know that property insurance not only makes good sense, but also that it’s something most homeowners should not be without. And if you have a Mortgage, your bank (including Scotiabank) requires that your property be insured for the full replacement value of your property.
That’s why we are pleased to offer homeowners (including condo owners) a comprehensive property insurance package with a full range of coverage and services at attractive rates for Scotiabank and non-Scotiabank customers.
Should disaster strike, a Scotia Home Insurance policy can ensure you have the funds you need to rebuild your home, replace your personal possessions, afford comparable temporary housing and even cover liability to other people.
Call your Scotiabank branch or email scotiainsurance.caribbean@scotiabank.com and make an appointment to talk to us today. Our representatives and advisors can provide you with a competitive quote and if you decide to move forward with the purchase, they can help you complete your insurance application and arrange convenient payment options.
Benefits of the Scotia Home Insurance plans.
Coverage |
Essential |
Preferred |
Ultimate |
Building/Content Sum Insured |
<Sum Insured> |
<Sum Insured> |
<Sum Insured> |
Debris removal & professional fees, loss of rent or alternative accommodation |
<10% of Sum Insured> |
<10% of Sum Insured> |
<10% of Sum Insured> |
Accidental Damage |
lesser of 10% of Building Sum Insured or $20,000 |
lesser of 10% of Building Sum Insured or $20,000 |
lesser of 20% of Building Sum Insured or $40,000 |
Accidental Damage to Electronic Equipment located in the property |
$5,000 |
$5,000 |
$10,000 |
Loss or Damage to Domestic appliances |
$10,000 |
$10,000 |
$10,000 |
Additional Benefits |
$2,000 |
$4,000 |
$4,000 |
Personal Effects |
$500 |
$1,000 |
$1,000 |
Travel (Baggage & Personal Effects) & |
$2,000 |
$4,000 |
$4,000 |
Fatal Accident Benefit |
$6,000 |
$6,000 |
$12,000 |
Personal Accident (Insured Sports) |
$6,000 |
$12,000 |
$12,000 |
Permanent Total Disablement |
$50,000 |
$50,000 |
$100,000 |
Legal Liability to Domestic Employees |
$2,000,000 |
$4,000,000 |
$5,000,000 |
Legal Liability as Owner and/or Occupier and in a Personal Capacity |
$2,000,000 |
$4,000,000 |
$4,000,000 |
Tenant Liability |
$500,000 |
$1,000,000 |
$1,000,000 |
Aerial or Satellite Dish(s) |
Yes |
Yes |
Yes |
Automatic annual Increase in Sum Insured at renewal date by 5% |
No |
No |
Yes |
Policy Deductibles |
|||
Catastrophe Perils: 2% of total sum insured, minimum $1,000 |
Yes |
Yes |
Yes |
All other perils |
$850 |
$850 |
$250 |
Liabilities to Others |
$850 |
$850 |
$250 |
Figures quoted in BBD
A note from the Insurers:
In this section, we have attempted to explain clearly and briefly the coverage available under this plan.
Coverage is provided by Island Heritage Insurance Company, Ltd., one of the region’s leading insurance providers.
Scotia Insurance Agent Limited is a licensed agent of Island Heritage Insurance and Scotia Insurance Caribbean Ltd.