Home Insurance

Home insurance consists of policies issued by insurance companies to cover the structure of a home and the personal belongings inside it. Depending on the plan purchased, they usually include damage from fire, theft, water damage and vandalism, so that the insured can repair or replace what was affected within the sums insured.

Many policies also include civil liability for damage or injury to third parties occurring on the property, and assistance services for household emergencies such as locksmith or plumbing services. The details of covered risks, limits, deductibles and exclusions are set out in the conditions of each policy and vary from one company to another.

I am Cinthia Careaga de Camé, Insurance Agent with License No. 2552, and I serve clients from Hernandarias, near Ciudad del Este. As an agent I do not provide the insurance or pay compensation: I advise you and act as intermediary with the insurance companies authorized by the Central Bank of Paraguay (BCP), which are the ones that issue the policy and respond for claims.

• Personal advice: I go over with you what is worth insuring, the building, the contents or both, and for what values.
• Clear information: I explain coverages, exclusions and deductibles before you sign.
• Management and support: I manage your policy and its renewals, and I support you in reporting a claim and following it up with the company.

Some details about the policyholder and the home are generally enough. The insurance company may ask for additional information or an inspection before issuing the policy.

• National ID card of the policyholder.
• Address of the home and whether you are the owner or a tenant.
• Type of home and construction, and approximate floor area.
• Estimated value of the building and the contents.
• Security measures and valuables you want to declare.

The quote is a no-obligation request: it does not commit you to purchase.