HOME INSURANCE

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YOUR HOME IS A MOST VALUABLE ASSET. PROTECT IT.
 

Get COLFIRE's Homeowner's Insurance and protect your home and belongings. Your most valuable asset should be protected against loss or
damage from theft, mother nature and a range of other perils. But mostly, when you get COLFIRE's Homeowner's Insurance your peace of mind is covered.

All the protection you'd want, right here.

The Household Policy - Property Risks

BUILDINGS

Loss or damage to your home including building/s on your property are covered.

COLFIRE's Building coverage includes:

 

  • Architects and surveyors' fees incurred in replacing the building destroyed or damaged by an insured peril.
  • Cost or any expenses incurred for the removal of debris following damage by an insured peril.
  • Workmen's Compensation for domestic help.
  • Loss of rental income as a result of the damage to the building (not exceeding a stipulated percentage of the sum insured).


CONTENTS
This policy covers the loss or damage to your household goods and personal effects caused by an insured peril. COLFIRE normally requires details pertaining to electronic equipment, personal computer and jewellery (a valuation may be required). Property used for a specific trade, profession or business is not covered.


ALL RISKS ON CONTENTS
You can also get insurance coverage for your jewellery and other valuables. This type of coverage is wider than coverage for the perils named above. It includes protection for your valuables lodged anywhere in Trinidad & Tobago, and not necessarily in your home.


The Household Policy - Insured Perils

A household policy covers a comprehensive range of perils which typically are:

  • Fire, lightning, explosion
  • Hurricane, earthquake, volcanic eruption
  • Damage from aircraft or other aerial devices
  • Theft (usually includes theft that does not involve entry or exit by forcible or violent means)
  • Riot and strike
  • Bursting and overflowing of water tanks, apparatus or pipes
  • Impact by vehicles
  • Malicious damage
  • Breakage of fixed glass and sanitary fixtures
  • Damage by falling trees or parts thereof.

    We do have policies that also include:
     
  • Collapse due to subsidence or landslip
  • Smoke damage - provided it is sudden, unusual and accidental
  • Flood.
     
BUNDLE & SAVE ON HOME INSURANCE
 

COLFIRE's HomeSafe Advantage allows you to insure your contents at the same low rate as your home.

You'll enjoy savings once your home is protected by any of the following:

  • A private security guard
  • Monitored electronic security system
  • Patrolled security