Home and Contents Insurance

Our Pay Your Premium Online feature is temporarily unavailable

We wish to advise our valued customers that the Pay Your Premium feature is currently undergoing development and is temporarily unavailable.

We are committed to keeping you updated and will provide updates as they become available. Kindly take note of the alternative payment options available at this time:

1. SurePay Online

2. Wire Transfer

CG UNITED INSURANCE LTD. - BARBADOS BBD WIRE INSTRUCTIONS

Beneficiary Bank:

Bank Name: CIBC FirstCaribbean International Bank

Bank Address: Warrens, St. Michael

Bank Swift Code: FCIBBBBB

Beneficiary account no: 1001138746

Bank Transit Code: 09606

Beneficiary:

Beneficiary Account Name: CG United Insurance Ltd

Beneficiary Address: P.O. Box 1215 Lower Broad Street St. Michael Barbados

3. CIBC Online Banking

4. All SurePay Kiosks

5. Cashiers at CG United’s Dome Mall and Broad Street locations (cash/cheque/credit/debit card)

6. Cheque (please include policy number if mailing cheques)

We apologise for any inconvenience this may cause and appreciate your understanding as we work to improve your experience with us.

If you have any questions or require assistance during this period, please do not hesitate to contact us at 246 430 1900 or send us a message here.

Thank you for your patience.

Home Home and Contents Insurance

A home is a big purchase—make sure you’ve got it covered. Have peace of mind everyday knowing that your home and valuables are protected.

Home Home and Contents Insurance

Home or Valuables Lost?

A catastrophic event doesn’t have to cost you everything. We’re here for you if you need to make a claim on your home or its contents.

Home and Contents Insurance

Home or Valuables Lost?

GET A QUOTE

Free quote, great cover

Where quality and value meet

CG United’s home cover plans are customised just for you. We offer the most extensive insurance coverage for your home and prized possessions.

Free Claims Advice

Need advice before making a claim? Don’t worry, we're here to help make sure you understand your cover and that the process is seamless.

Free Contents Checklist

It’s easy to forget how much time, effort and money you’ve spent to make your house feel like a home until it’s taken from you. To help, we’ve created a Contents Checklist to help you ensure all your belongings are protected.

Completely cover your home - inside and out

Building Protection

If a covered incident occurs, your policy pays to repair or rebuild your home and any attached structures like your garage or garden walls. It’s important to reevaluate your policy regularly to avoid being underinsured.

Example: Your roof caves in due to a windstorm and destroys your kitchen. We will pay for the repair of your roof and kitchen, up to your policy limits.

Contents Protection

Contents insurance will help you to repair or replace items that have been damaged or lost due to an insured event. This cover is recommended for both renters and homeowners.

Example: A fire damages your stove, kitchen table, refrigerator, and more. We will pay to repair or replace the items damaged in the fire up to your policy limits.

Loss of Rent and Alternative Accommodation Costs

If you are unable to live in your home due to an insured event, your policy will pay for you, your family and your pets to stay elsewhere whilst it is being repaired. If the house was rented out, cover is provided for lost rental income.

Example: A tree falls on your home and causes structural damage. We will pay for your hotel until repairs are completed, subject to your policy limits.

Liability Cover

Liability cover pays for expenses related to damage or injuries that you or your family member have caused to others while they are on your property.

Example: A mail carrier falls on your porch and injures themself. If you're found to be liable for the injury, we will cover the resulting costs up to your policy limits.

Get a Quote

Homeowner, landlord, or renter—there’s coverage for it all

With CG United home insurance, you can personalise your policy with one or both of the following:

Choose the plan you would like to compare

Most popular
- Recommended for homeowners and renters
  - What’s covered
    
    Household goods, furnitures, gardening equipments, clothing, valuables and more.
    
    Standard risks including natural disasters like hurricane or flooding, smoke, burst pipes, falling trees, malicious damage, and theft.
    
    Liability Cover for renters and occupiers
    
    Alternative accommodation costs
    
    Personal possessions and sports equipments as optional add-on
  - Bonus benefits
    
    Accidental breakage of mirrors, sinks, bath, toilets or glass furnitures.
    
    Refrigerated food that perishes during a power outage
    
    Home entertainment equipments
  - What's not covered
    
    Contents used for business or professional purposes
    
    Limited covers apply when the property is unoccupied for more than 30 days*
    
    Damage caused by pets, you or your household member
    
    Damage if your home or part of it is sublet to others
  Get a Quote
  Limits, conditions, and exclusions may apply. *Read full terms in the policy.
- Recommended for homeowners and landlords
  - What’s covered
    
    Your private house or apartment, gardens, fencing, driveway, garages, built in fixtures and fittings.
    
    Standard risks including natural disasters like hurricane or flooding, smoke, burst pipes, falling trees, malicious damage, and theft.
    
    Liability Cover for homeowners or landlords
    
    Alternative accommodation costs
    
    Accidental damage as optional add-on
  - Bonus benefits
    
    Removal of debris following damage to your home
    
    Professional fees for surveyors, architects, and legal fees.
    
    Cost related to hiring a locksmith and the replacement of locks
  - What's not covered
    
    Damage caused by pets, you or your household member
    
    Damage to hedges
    
    Limited covers apply when the property is unoccupied for more than 30 days*
    
    Wear and tear and damage caused gradually
  Get a Quote
  Limits, conditions, and exclusions may apply. *Read full terms in the policy.
Choose the plan you would like to compare

Most popular
- Recommended for homeowners and renters
  - What’s covered
    
    Household goods, furnitures, gardening equipments, clothing, valuables and more.
    
    Standard risks including natural disasters like hurricane or flooding, smoke, burst pipes, falling trees, malicious damage, and theft.
    
    Liability Cover for renters and occupiers
    
    Alternative accommodation costs
    
    Personal possessions and sports equipments as optional add-on
  - Bonus benefits
    
    Accidental breakage of mirrors, sinks, bath, toilets or glass furnitures.
    
    Refrigerated food that perishes during a power outage
    
    Home entertainment equipments
  - What's not covered
    
    Contents used for business or professional purposes
    
    Limited covers apply when the property is unoccupied for more than 30 days*
    
    Damage caused by pets, you or your household member
    
    Damage if your home or part of it is sublet to others
  Get a Quote
  Limits, conditions, and exclusions may apply. *Read full terms in the policy.
- Recommended for homeowners and landlords
  - What’s covered
    
    Your private house or apartment, gardens, fencing, driveway, garages, built in fixtures and fittings.
    
    Standard risks including natural disasters like hurricane or flooding, smoke, burst pipes, falling trees, malicious damage, and theft.
    
    Liability Cover for homeowners or landlords
    
    Alternative accommodation costs
    
    Accidental damage as optional add-on
  - Bonus benefits
    
    Removal of debris following damage to your home
    
    Professional fees for surveyors, architects, and legal fees.
    
    Cost related to hiring a locksmith and the replacement of locks
  - What's not covered
    
    Damage caused by pets, you or your household member
    
    Damage to hedges
    
    Limited covers apply when the property is unoccupied for more than 30 days*
    
    Wear and tear and damage caused gradually
  Get a Quote
  Limits, conditions, and exclusions may apply. *Read full terms in the policy.

What our customers say

L James

I have been a client for just over a year and I have had nothing but friendly, efficient and professional services. Great prices also for vehicle insurance.

T Brown

Wonderful smiling friendly face at the reception, fast excellent service. Nice experience.

G Fernander

My husband and I have been customers for a number of years now and have always been pleased with the service. The team is very professional and responsive.

K A Gordon

Recently switched from another company with a higher cost and less benefits.

B Turner

Awesome rates, and great service!

M Butler

Quotes were delivered on time, competitive and within budget. The customer service team is friendly and responsive.

T Dolce

I’ve been using this company for some time now and they have never let me down.

Download forms

Application

Home Insurance Proposal Form

Fire and Associated Perils Proposal Form

All Risks Proposal Form

Claims

Property Claim Form

Catastrophe Claim Form

Frequently asked questions

Yes, we offer interest-free payments that can be made monthly, quarterly, or semi-annually.

Yes, we are happy to offer various deductible options for your policy.

Market price may consider the land value, while home insurance value considers only the cost of the actual home structure. Home insurance value is based on the rebuilding cost of your home, including walls, gates & fences, fixtures & fittings, solar panels, pools and more – but does not cover the land value.

Your bank/mortgage lender may be satisfied to insure only the amount left on the mortgage, in the event of a partial loss. However, underinsurance would be applied to the claim payment – which means that you may need to pay out of pocket to fully repair your home.

Hurricane protection is included as standard cover under our Home Insurance policy.

Do not wait to make temporary repairs that will prevent further damage. Be sure to take pictures of the damage as soon as possible, take photos of any temporary repairs you make, and save your receipts if you spent money on the repairs. Contact us as soon as possible so that a team member can help file your claim.

If a tree falls on your house, your home insurance policy will likely cover the cost to repair the damage and the cost to remove the tree. However, there are times when this might not be covered by your policy e.g. you are cutting down a tree yourself and it falls onto your roof. In any event it is important to contact us to speak with a team member as soon as possible.

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