Residential Policies

Our Homeowners and Householders Insurance Packages offer the best value for your premium and wide range of coverage.  It is ideal for private dwellings, condominiums, self-contained apartments or contents only.

In addition to our standard residential policies, a bonus policy option is available for each.  A bonus of 30% is paid biennially on the total premium paid in respect of the previous two years on the policy

GTM’s Homeowners Insurance Policy

Covers loss or damage to buildings and structures on the premises and contents of all description used for private purpose.

GTM’s Householders Insurance Policy 

Covers all buildings and structures on the premises used for private purpose along with solar water heaters and air-conditioning units.

Our policies cover (but not limited to):

Perils:  Fire, lightning, explosion, flood, burglary, vandalism, malicious damage, earthquake, overflow of the sea, windstorm, storm, hurricane, impact damage, accidental damage, bush fire, riot, strike, civil commotion, subsidence, landslip, ground heave, etc.

Public Liability: You or members of your household may become legally liable to a third party for injury or loss or damage to their property.

Alternative Accommodation or Loss Of Rent:  If your home becomes uninhabitable due to damage caused by an insured peril, the policy covers the cost of alternative accommodation or loss of rent up to 10% of the sum insured on buildings while repairs are done.

Accidental Damage:  Provides cover for accidental damage to valuables and personal effects, electronic equipment and outdoor sporting equipment anywhere in the geographic area.

WOULD YOU LIKE TO SIGN UP?  Please complete our Homeowners Comprehensive Application Form and submit it to a GTM Insurance Advisor or one of our offices near you.