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Home Insura​​nce​​​

Your home is your castle. We can help you protect it.

Whether you own or rent your home, your assets are precious. At Aon Cayman we work with our network of insurers to find you an affordable, comprehensive home insurance policy tailored to your needs.

Building Cover

  • Protects your home, outbuildings, swimming pool, walls and fences
  • Covers damage from Fire and Named Perils, such as hurricane, flood, vandalism and impact
  • Claims settled on a Replacement Basis with no deduction for depreciation
  • Additional coverage available for Loss of Rent and Alternative Accommodation

Contents Cover

  • Protects your personal belongings such as furniture, clothing and appliances
  • Covers damage from Fire and Named Perils, such as hurricane, flood, vandalism and theft
  • Claims settled on a Replacement Basis with no deduction for depreciation
  • Offers limited coverage for contents away from your premises
  • Contents-only policy available for renters

Valuable Items (optional)

  • Provides worldwide coverage for high value items such as jewellery, watches and laptops
  • Items are individually insured to value based on an appraisal or bill of sale
  • All Risks of loss covered, except what is specifically excluded within the policy

Additional Cover (optional)

  • Coverage is available for sea walls, canal walls, docks, external satellite equipment and antennae
  • Each is itemized and insured to a separate value

Liability Cover

  • Protects you from bodily injury and property damage claims you become legally obligated to pay
  • An example of a home liability claim is a ‘slip and fall’ accident resulting from a cracked sidewalk
  • Limits from $250,000 to $1 million – higher limits available upon request
  • Additional cover available for domestic employees


How to Properly Insure Your Building

Your Building Cover should reflect the amount it would cost to rebuild your home after a total loss such as a fire or a hurricane. This is not the market value of your home, as the market value includes the value of the land. We suggest you use an independent surveyor to determine the cost to rebuild your home, and for your protection we will recommend a Building Cover amount based on their findings.