Belize Home Owners Insurance
At RF&G Insurance, our Belize homeowner’s insurance policies are designed to shield your entire property, from the roof overhead to your treasured belongings inside. We offer coverage against a variety of threats, including hurricanes, fires, floods, and even burglaries.
Our customizable plans cater to the unique needs of your homeownership. Whether you own a cozy bungalow or a spacious estate, we have a policy that covers your needs.
Ensure proper coverage for your valuable asset. Since your home is likely your biggest investment, securing it with an RF&G homeowner’s policy is crucial. To guarantee adequate coverage, consider getting a professional appraisal or survey. Remember to include additional structures like pools, fences, patios, or piers in your policy.
Protect Your Belongings
Your home is more than just bricks and mortar; it’s filled with the things that matter most. But have you considered how much it would cost to replace everything inside if disaster struck? Home contents insurance can provide assurance, knowing you’re financially protected from lost, stolen, or damaged belongings.
Before getting a quote, take time to create a detailed list of your possessions. Including everything from furniture and electronics to clothing and sentimental items. Estimate the replacement cost for each item to determine the appropriate level of coverage.
High-value items like jewelry, artwork, or top-of-the-line electronics might require separate coverage under your policy. Standard contents insurance may have limitations on these items.
Document your belongings! Take photos, keep receipts, or gather appraisals for valuable items. This documentation will streamline the claims process if you ever need to file one.
You don’t need building insurance to protect your stuff. Home contents insurance is specifically designed for renters and homeowners who solely want coverage for their possessions.
Click on the tabs below to read more about each coverage:
Fire, Lightning, Explosion Only
This policy covers damages caused to your personal property by perils such as:
- Fire (including bushfire)
- Lightning
- Explosion
The perils of hurricane, windstorm, flood, earthquake, volcanic eruption are not covered.
The "Average Clause"
Fire & Associated Perils Including Catastrophic Perils
This policy covers damages caused to your personal property by such perils as follows:
- Fire (including bushfire) and Lightning.
- Hurricane, Windstorm, Rainstorm, Tornado, Earthquake, Volcanic Eruption and Tidal Wave
- Flood, Heavy Rainfall and Sea Surge
- Riots, Strikes and Malicious Damage
- Aircraft Explosion, Impact
- Burst Pipes
The "Average Clause"
Fire & Associated Perils excluding Catastrophic Perils
This policy covers damages caused to your personal property by such perils as follows:
- Fire (including bushfire) and lightning,
- Riots, strikes and malicious damage
- Aircraft, Explosion, Impact
- Burst pipes
The perils of hurricane, windstorm, flood, earthquake, volcanic eruption are not covered.
The "Average Clause"
Householder’s Comprehensive
This policy covers damages caused to your personal property by such perils as follows:
- Fire (including bushfire) and Lightning.
- Hurricane, Windstorm, Rainstorm, Tornado, Earthquake, Volcanic Eruption and Tidal Wave
- Flood, Heavy Rainfall and Sea Surge
- Riots, Strikes and Malicious Damage
- Aircraft Explosion, Impact
- Burst Pipes
- Burglary & Theft (accompanied by actual forcible & violent breaking into or out of a building) – subject to adequate security
Policy can also be extended to include All Risk cover for specific Items, Public/Personal Liability cover and Loss of Rent or Cost of Alternative Accommodations.
The "Average Clause"
Lightning,
Explosion Only
Perils Including
Catastrophic Perils
Perils Excluding
Catastrophic Perils
Comprehensive
Fire, Lightning, Explosion Only
This policy covers damages caused to your personal property by perils such as:
- Fire (including bushfire)
- Lightning
- Explosion
The perils of hurricane, windstorm, flood, earthquake, volcanic eruption are not covered.