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Home Owners Insurance

The Insurance Brokers is a leader in arranging homeowners insurance in St.Vincent & the Grenadines. Through our hard work and dedication to our customers we demonstrate to our clients the best-value available to insure their home or its contents.

The Insurance Brokers is able to offer a wide selection of home owners insurance policies to meet your needs and those of your family. The widest range of coverage includes:

Fire  Volcanic Eruption
Flood  Riot & Strike
Burglary Malicious Damage
Lightning Damage from Aircraft
Explosion Damage from Vehicles
Hurricane Damage from Falling Trees
Windstorm Damage from Burst Pipes
Earthquake Collapse from Subsidence

Insurance Companies have different rates and coverage which can vary according to construction materials, location or value.

At present, Rates/Premium range for Buildings from 0.6% to 0.8% of insured value, and Contents range between 0.7% to 0.9% of Contents Insured Value.

International Reinsurers tell us to expect Property Rate increases of 5% to 10%.
Although we have not seen this passed-on yet, please be prepared during 2009
!


PLEASE CONTACT US AND WE WILL BE HAPPY TO HELP YOU
.

 



CLICK HERE for Disaster Supply Kit Checklist 784-457-1800
E-mail insurancebrokers@vincysurf.com
Home Owners' Insurance

DISASTER SUPPLY KIT CHECKLIST

Here is a list of supplies you should always have in the event of any disaster!

FIRST AID KIT

  • Sterile adhesive bandages in assorted sizes
  • Assorted sizes of safety pins
  • Cleansing agent/soap
  • Latex gloves (2 pairs)
  • Sunscreen
  • 2-inch sterile gauze pads(4-6)
  • 4-inch sterile gauze pads(4-6)
  • Triangular bandages (3)
  • Non-prescription drugs
  • 2-inch sterile roller bandages (3 rolls)
  • 3-inch sterile roller bandages (3 rolls)
  • Scissors
  • Tweezers
  • Needle
  • Moistened towelettes
  • Antiseptic
  • Thermometer
  • Tongue blades(2)
  • Tube of petroleum jelly or other lubricant


DOCUMENTS

Keep these records in a waterproof, portable container:

  • Will, insurance policies, contracts, deeds, stocks and bonds
  • Passports, immunization records
  • Bank account numbers
  • Credit card account numbers and companies
  • Family records (birth, marriage and death Certificates)

Inventory of valuable household goods, important telephone numbers


FOR BABY

  • Formula
  • Medications
  • Bottles
  • Diapers
  • Powdered milk


OTHER

Pet care items (supply of food)

TOOLS AND SUPPLIES

  • Paper cups, plates and plastic utensils
  • Battery operated radio and extra batteries.
  • Flashlight and extra batteries
  • Cash, change
  • Utility knife
  • Fire extinguisher: small canister ABC type
  • Tube tent
  • Pliers
  • Tape
  • Matches in a waterproof container
  • Aluminum foil
  • Plastic storage containers
  • Signal flare
  • Paper, pen, pencil
  • Needles, thread
  • Medicine dropper
  • Whistle
  • Plastic sheeting


STORAGE CONTAINERS

  • A large, covered trash container
  • A camping backpack
  • A duffle bag


FOR ADULTS

  • Heart and high blood pressure medication
  • Insulin
  • Prescription drugs
  • Denture needs
  • Contact lenses and supplies
  • Extra eyeglasses


CLOTHING AND BEDDING

  • Include at least one complete change of clothing and footwear per person
  • Sturdy shoes or work boots
  • Rain gear
  • Blankets or sleeping bags
  • Hat and gloves
  • Sunglasses


 STORAGE OF KIT

  • Store your kit in a convenient place known to all family members
  • Keep a smaller version of the Disaster Supplies Kit in the trunk of your car

FOOD AND WATER

  • Water 11 litres/per person/per day
  • Store water in plastic containers
  • Change your stored water supply every six months so it stays fresh          
  • Non-perishable food or ready to eat canned food and juices
  • Store at least a three-day supply  
  • Replace your stored food every six months.
  • Snack foods for kids
  • Non-electric can opener
  • Baby food


NON-PRESCRIPTION DRUGS

  • Aspirin or nonaspirin pain reliever
  • Anti-diarrhea medication
  • Antacid (for stomach upset)
  • Laxative


SANITATION

  • Toilet paper, towelettes
  • Soap, liquid detergent
  • Feminine supplies
  • Personal hygiene items
  • Plastic garbage bags, ties (for personal sanitation uses)
  • Plastic bucket with tight lid
  • Disinfectant
  • Household chlorine bleach


 

SPECIAL ITEMS

Remember family

members with special requirements, such as infants and elderly or disabled persons

 

It's only a disaster if you're not prepared!!!





 
 

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