Don't Face the Season Alone.

Hurricanes can cause unbelievable damage.

Sign up for a quote today and fortify your peace of mind against the unwelcome visitors of hurricane season. With Sagicor by your side, you can weather any storm.

Whether you’re buying insurance for the first time or already have a policy, now is the time to make sure you’re properly covered.

Many homeowners only discover after a storm that their insurance coverage may not fully cover today’s rebuilding or replacement costs. That’s called being underinsured and it could leave you paying thousands out of pocket after a claim. For new homeowners, understanding the right level of protection from the start is just as important.

While you may have a policy, if it doesn’t cover the full value of your home - you're underinsured - your payout could fall far short, leaving you to cover the difference out of pocket.

What is Underinsurance?

If the cost to rebuild or replace your home is more than the amount it’s insured for, you may not receive the full value of your claim.

Example:

Cost to rebuild home: $500,000

Home insured for: $350,000

Damage from storm: $100,000

Because the home was only insured for 70% of its value, the claim payout may also only cover 70% of the loss.

You may receive:

Insurance payout: $70,000

Your out-of-pocket cost: $30,000