Panama Multi Risk Insurance

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Panama Multi Risk Insurance

Panama Multi Risk Insurance. Did you know that Protecting your Panama property investments is one of the best bargains available in Panama.

In Panama, insurance companies insure the building (structure) and the contents under separate policies at very reasonable rates.

The standard Panama fire insurance structure policy includes coverage for fire, explosion, earthquake, windstorm, flood and common water damages/filtration/leaks (this coverage is required for every mortgage issued from a Panama bank).

Panama Multi Risk Insurance

Panama Multi Risk Insurance : pets are also covered.

The normal Homeowner’s multi-risk “contents” package includes the fire coverage described above, as well as,Theft and Personal/General fire legal liability.

Theft coverage is for break-in with forced entry, as well as, assault inside and outside the residence. The damage caused to the structure in case of break-in with forced entry is covered under this theft provision. Theft and damage to Electronic Equipment is also part of the package.

Liability coverage extends to damage you may cause to your neighbors property from a fire or water leak initiating in your residence. If a third party is injured on your premises, there is Medical payments coverage and legal assistance.

This multi-risk residential homeowners package has added benefits including reimbursement for stolen credit cards, locksmith service, plumbing and electrical services in case of a domestic emergency. Some packages include ambulance service, free medical consultation and even coverage for accident or death of pets.

High ticket items such as paintings, sculptures, collectibles, artwork, rugs and expensive electronic equipment may be covered above the basic limit, if they are listed separately. Ipad are covered and Iphone under this policy.

How much?

The average annual premium for the fire insurance on most cement structures is approximately 10%. For example, a cement condo/house valued at $200,000 will pay approx. $200/yr. The average “contents” multi-risk package for $20,000 Fire/Theft limit with $100,000 liability protection is less than $100/yr. Excellent premiums!

by Kevin Bradley (Insurance Broker) 322-1605
kevin.bradley@unityducruet.com

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