HOMEOWNERS

High Value

• Cover for primary, secondary, seasonal, tenanted and vacant homes greater than $750,000 dwelling value.
• All risks are insured on a replacement cost basis.
• Up to 125% extended rebuild cost available.
• Up to $2 million personal or premises liability available.
• ‘Home Enhancement Cover’ – adds water backup, mold, personal injury and ID fraud.
• Maximum line size of $25 million.
• Policies written on HO5 form.
• Variety of additional coverages including domestic employee personal property covered for physical damage.
• All rates and deductibles are provided by the Hiscox rating.
• Matrix or by referral to Hiscox underwriters.

Course of construction

• Cover for dwelling, other structures and premises liability during the course of construction. Coverage includes: theft of materials, architects fees, materials/ supplies in transit.
• Policies written on HO3 form.

High-value homes	Standard policy	Aura Underwriting Policy
Contents cover on open peril basis	x
Water back up and sump discharge or overflow	x
Mold, mildew and fungus	x
Personal Injury	x
Id fraud	x
Inflation guard	x
Aop deductible waiver	x
Extended rebuild cost	x
Increased ordinance and law provision	x
Fine art coverage	x

Homeowners course of construction	Standard policy	Aura Underwriting Policy
Buildings cover	x
Debris removal	x
Theft of materials	x
Materials in transit	x
Architects files	x

Regular Value

• Cover for primary, secondary, seasonal, tenanted and vacant homes between $150,000 and $750,000 dwelling value.
• All risks are insured on a replacement cost basis.
• Up to $2 million personal/premises liability available.
• Water backup, mold, ID fraud and personal injury can be added for an AP.
• Policies written on HO3 form.
• All rates and deductibles are provided within contract or by referral to Hiscox underwriters.

Condominium units

• Primary, secondary, seasonal, tenanted, vacant and condos undergoing renovation
• Policies written on HO6 form.
• All perils basis as standard.
• Water backup, mold and loss assessment cover can be added for an AP dependant on island.
• Rates provided by the Hiscox Rating Matrix (condos), or by referral to Hiscox underwriters where applicable

Regular Value

• Appetite to write general commercial risks across all Caribbean islands, including commercial course of construction cover.
• Risks to be written in the open market or under a binding authority agreement on an all risks basis including all CAT perils.
• Willing to offer full value or primary capacity with a maximum $5 million line.
• Target risks include; hotels, condominiums, offices and retail.
• Can consider on a direct basis or as a facultative reinsurance of a local cedent.

ALL ISLANDS & REGIONS CONSIDERED

Homeowners

Commercial