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Home Insurance

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Insurance Policy Types

Your home insurance is there to protect you from different “perils” as outlined in your policy. Sun General offers four basic policies as described below. You may also purchase various other add ons to help you have extended coverage on your home.

Sun General Insurance offers the following policies for your home.

  1. Fire Only
  2. Fire & Perils (Excluding Hurricane & Earthquake) 
  3. Fire & Perils 
  4. Homeowners Policy  

Fire Only

This Policy provides the basic coverage for your Home and Contents i.e Fire, Lightning and Explosion.

Fire & Perils (Excluding Hurricane & Earthquake) Residential Policy

This Policy provides the basic coverage for your home and contents along with flood (not as a result of a hurricane), burst water pipes and apparatus, aircraft damage, impact damage, riot & strike and malicious damage, damage from falling trees or branches.

Fire & Perils Residential Policy

This Policy provides the basic coverage for your dwelling and can be used when the building is under construction along with Hurricane, Earthquake, Flood, Burst Water pipes and apparatus, Aircraft damage, Impact damage, Riot & Strike and Malicious Damage, damage from falling trees or branches.  

Homeowners Policy

This Policy allows for comprehensive coverage on your Building and Contents. In addition to the basic coverage of Fire, Lightning and Explosion, we provide coverage for loss or damage as a result of hurricane, earthquake, flood, theft, larceny, burst water pipes and apparatus, aircraft and impact damage, riot and strike, malicious damage, damage from falling trees or branches, employers’ liability and loss of or damage to property of domestic employees, additional expense of alternative accommodation and loss of rent, public liability, compensation to beneficiaries for death of the insured.

The home Policy can also be extended to include coverage for swimming pools, damage to seawalls, satellite dish, personal liability, plate glass, removal of debris, new for old contents, all risks coverage on valuables / jewellry, loss of or damage to external television/radio aerials, reinstatement value (buildings). 100% Concrete buildings, Part Timber and Part Concrete buildings will be covered. However, 100% Timber buildings may be insured subject to conditions.

Home & Contents Policy
Fire Only 
Fire & Perils
(Excluding Hurricane
& Earthquakes)
Fire & Perils
Home Owners
Hurricane    
Earthquake    
Fire
Lightning
Explosion
Flood (not as a result of a hurricane)  
Aircraft damage  
Impact damage  
Riot & Strike  
Malicious damage  
Damage from falling tree branches  
Theft      
Larceny      
Loss of property by domestic employees      
Alternative accommodation expenses      
Loss of rent       
Public liability      
Compensation to beneficiaries for death of insured      
Employers liability