HomeGuard Insurance
Home is where the heart is, it’s where you hang your hat, so when the unexpected happens, make sure you’re covered with Guardian Generals HomeGuard policies.
Building Insurance Coverage
Building Insurance offers coverage for both Private and Commercial properties for the following perils:
- Fire, explosion, lightning, thunderbolt, and subterranean fire
- Earthquake, volcanic eruption, and tsunami
- Flooding
- Windstorm, hurricane, and tornado
- Riot and Strike, labor, or political disturbances
- Malicious persons
- Collapse due to subsidence or a landslip
- Escape of water from fixed water, drainage, or heating installation or from a washing machine, dishwasher, or waterbed
- Theft or attempted theft
- Collision by an aircraft or other aerial devices, and anything dropped from them, vehicles or animals
- Falling radio or television aerials (including satellites dishes) their fittings and masts
- Falling trees or branches or utility poles.
Additional Coverage
Additional coverage includes:
- Underground pipes and cables
- Debris Removal and Professional Fees
- Debris Removal
- Architects, surveyors, consulting engineers, legal and other professional fees
- Damage to fixed glass and sanitary fixtures
- Loss of rent/Cost of Temporary Accommodation
- Emergency Access
- Purchaser’s Interest – Sale of Private Residence
- Replacement of Door Locks and Keys
Students Insurance Coverage
Students Insurance provides coverage for the following:
- Tuition and rental fees
- Examination fees
- Cost to replace coursework materials
- The accidental death of parent, guardian, or spouse
- Liability for university property on loan
- Accidental damage to selected items anywhere in Trinidad and Tobago.
Additional Coverage
Additional coverage for personal belongings:
- Fire
- Earthquake
- Volcanic Eruption
- Windstorm
- Hurricane
- Flood
- Malicious Damage
- Theft or Burglary
Renters Insurance
Renters Insurance provides coverage for all of your personal and household possessions against:
- Fire
- Earthquake
- Volcanic Eruption
- Windstorm
- Hurricane
- Flood
- Malicious Damage
- Theft or Burglary
Additional coverage includes:
- Your liability to the landlord
- Personal Liability
- Veterinary costs for domestic pets
- Advertising a lost pet
- Transportation expenses for professional moving expenses
- Alternative Accommodation
- Visitor’s personal effects
- Fridge and Freezer Contents
Contents Insurance Coverage
Contents Insurance Coverage provides coverage for the following:
- Fire, explosion, lightning, thunderbolt, and subterranean fire
- Earthquake, volcanic eruption, and tsunami
- Flooding
- Windstorm, hurricane, and tornado
- Riot and Strike, labor or political disturbances
- Malicious persons
- Collapse due to subsidence or landslip
- Escape of water from fixed water, drainage, or heating installation or from a washing machine, dishwasher, or waterbed
- Theft or attempted theft
- Collision by an aircraft or other aerial devices, and anything dropped from them, vehicles or animals
- Falling radio or television aerials and their fittings and masts
- Falling trees or branches or utility poles.
- Smoke meaning the sudden unusual and accidental damage from smoke
Additional Coverage
Additional Coverage includes:
- Accidental damage to specified electronic items
- Mirrors and Glass
- Contents temporarily removed to the open
- Contents Temporarily Removed
- Contents whilst in transit
- Documents
- Loss of rent/Cost of Temporary Accommodation –
- Emergency Access
- Replacement of Door Locks and Keys
- Credit Card
- Visitor’s Personal Effects
- Garden Equipment/Furniture
- Freezer Contents
- Compensation for Death of Insured
- Luggage
- Articles of a brittle nature
Landlords Insurance Coverage
Landlords Insurance provides coverage for your building and/or furnishings against:
- Fire
- Earthquake
- Volcanic Eruption
- Windstorm
- Hurricane
- Flooding
- Malicious Damage
- Theft or Burglary
Additional Coverage
Additional coverage includes:
- Public and Personal Liability
- Liability to Domestic Employees
- Liability to the Public
- Rent Receivable
- Additional Expenses
- Rent Default