šŸ  Protect Your Home in Panama with Affordable, Comprehensive Coverage

Panama offers veryĀ affordable homeowner’s insuranceĀ to protect both theĀ structureĀ of your home and itsĀ contents. Whether you own a condo, house, or apartment, this coverage helps you recover quickly from unexpected events.

Panama offers veryĀ affordable homeowner’s insuranceĀ to protect both theĀ structureĀ of your home and itsĀ contents. Whether you own a condo, house, or apartment, this coverage helps you recover quickly from unexpected events.


šŸ”’ STRUCTURE COVERAGE

The standardĀ Structure PolicyĀ includes protection against:

  • šŸ”„ Fire

  • šŸŒŽ Earthquake

  • ⚔ Lightning

  • šŸ’„ Explosion

  • šŸ’Ø Windstorm

  • 🌊 Flood

  • šŸ’Ø Smoke

  • šŸ’§ Water damage

šŸ“ŒĀ How to determine your coverage amount:Ā Calculate theĀ reconstruction costĀ of your home (not the market value) and request a fire insurance policy for that amount. This ensures you’re fully covered in the event of a total loss.


šŸ“¦ CONTENTS COVERAGE – MULTIRISK POLICY

We recommend insuring yourĀ personal belongingsĀ under aĀ Homeowner’s Multirisk Policy, which includes:

āœ… Basic Coverage:

  • Fire, lightning, water, and storm damage (as above)

āœ… Additional Protections:

  1. Theft and Robbery

    • Burglary with force or assault inside the home

    • Coverage for valuables likeĀ jewelry, cash, electronics, artwork, etc. (subject to policy limits)

    • Assault/theftĀ outsideĀ the home for:

      • Personal effects: up toĀ $1,000

      • Cash: up toĀ $250

    šŸ–¼ļø High-value items (paintings, antiques, carpets, jewelry) should beĀ listed separatelyĀ for full coverage.

  2. Personal Liability

    • Coverage fromĀ $100,000 to $250,000 L.U.C.

    • IncludesĀ Fire Legal Liability, in case a fire or water leak from your home damages neighboring property or causes injury.

    • šŸ”§ Water damage from leaks is one of the mostĀ common claimsĀ we see in Panama.


šŸ†˜ EXTRA COVERAGE OPTIONS

Policies may also include:

  • šŸš‘ Emergency medical services / ambulance

  • šŸ”§ Emergency plumber, electrician, or locksmith

  • 🧳 Lost luggage protection (especially useful for travelers)

šŸ’”Ā Note:Ā Claims are typically paid based on theĀ depreciated valueĀ of the item insured. Keep yourĀ receiptsĀ andĀ proof of purchaseĀ when possible.


šŸ‘„ RENTERS WELCOME

Your policy can be extended to includeĀ Personal Liability for rentersĀ as well.


šŸ’° All this protection—fire, theft, liability, and more—is available at aĀ very reasonable rate.

šŸ“žĀ Contact us today for a free quote or more information:

  • Kevin:Ā WhatsApp or call +507-6674-1063

  • Carmen:Ā WhatsApp or call +507-6613-1063 | Direct: 322-1605

  • Email:Ā panasurance@gmail.com