Home Insurance

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Product Benefits

Hurricane & Windstorm Cover

Hurricane & Windstorm Cover

The sea is a formidable force. Island Heritage Home Insurance covers you for damage caused by a hurricane, cyclone, tornado or windstorm, and also for any resulting damage from flood or sea surge.

Alternative Accommodation

Alternative Accommodation

If your home is damaged we'll pay for alternative accommodation for you, and any family members living with you, until your home is fit to live in again.

Loss of Rent

Loss of Rent

If your home is rented, we'll pay the rent you should have received while your home is unfit to live in.

Replacement of Locks

Replacement of Locks

Where the keys to an external door of your home have been stolen, we'll have a new lock installed or replaced for you.

Terms and conditions apply regarding the above.

Take a look at our other optional extra

Temporary Worldwide Cover

Temporary Worldwide Cover

You have the option to insure your valuables, personal effects and electronic equipment anywhere in the world for up to 90 days.

Home Insurance Details

The sum insured must represent the full rebuilding cost using up-to-date construction costs of:


  • Your home
  • The outbuildings
  • Landlord's fixtures and fittings
  • Swimming pools
  • Patios
  • Terraces
  • Footpaths
  • Satellite dishes
  • External antennae
  • Hard courts
  • Walls
  • Gates and fences

Seawalls, docks, piers and jetties may also be eligible. Please contact us for more information.

The cost of removing debris after a loss and the cost of architects, surveyors and legal fees should also be included in the sum insured. As a rule of thumb, add 10% to the value of the rebuilding costs.

All your household goods, valuables and personal effects should be insured for their replacement cost at current value.

Clothing and linen should be insured for replacement value less deduction for fair wear and tear.

Valuable Items

  • Stamp, coin or medal collections, antiques and other collectibles, fur, works of art, jewellery, gold, silver and other precious metals are all considered valuable.
  • Where you insure valuables with your contents, there are limitations on the proportion of valuables to your other contents. For information on these or any other policy limits please contact us.


The deductible is the first amount of each claim that you must pay and applies to each peril claimed for. The amount will be shown on your policy schedule.

Includes the building and its original fixtures and fittings, patios, terraces, swimming pools, footpaths, satellite dishes, external antennae, hard courts, walls, gates and fences.

The sum insured must be for the full rebuilding cost of the home, including allowances for debris removal, demolishing, and professional fees.

For more information on our policy limits please contact us.


We're here to help

Our staff are happy to give you more details and answer your questions.

Call us on (345) 949 7280

Enjoy all the benefits of Island Heritage Home Insurance...

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