🏠 Protect Your Home in Panama with Affordable, Comprehensive Coverage

Panama offers very affordable homeowner’s insurance to protect both the structure of your home and its contents. Whether you own a condo, house, or apartment, this coverage helps you recover quickly from unexpected events.

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🔒 STRUCTURE COVERAGE

The standard Structure Policy includes protection against:

• 🔥 Fire

• 🌎 Earthquake

• ⚡ Lightning

• 💥 Explosion

• 💨 Windstorm

• 🌊 Flood

• 💨 Smoke

• 💧 Water damage

📌 How to determine your coverage amount: Calculate the reconstruction cost 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.

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📦 CONTENTS COVERAGE – MULTIRISK POLICY

We recommend insuring your personal belongings under a Homeowner’s Multirisk Policy, which includes:

✅ Basic Coverage:

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

✅ Additional Protections:

1. Theft and Robbery

   • Burglary with force or assault inside the home

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

   • Assault/theft outside the home for:

     • Personal effects: up to $1,000

     • Cash: up to $250

   🖼️ High-value items (paintings, antiques, carpets, jewelry) should be listed separately for full coverage.

2. Personal Liability

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

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

   • 🔧 Water damage from leaks is one of the most common claims we see in Panama.

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🆘 EXTRA COVERAGE OPTIONS

Policies may also include:

• 🚑 Emergency medical services / ambulance

• 🔧 Emergency plumber, electrician, or locksmith

• 🧳 Lost luggage protection (especially useful for travelers)

💡 Note: Claims are typically paid based on the depreciated value of the item insured. Keep your receipts and proof of purchase when possible.

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👥 RENTERS WELCOME

Your policy can be extended to include Personal Liability for renters as well.

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💰 All this protection—fire, theft, liability, and more—is available at a very reasonable rate.

📞 Contact us today for a free quote or more information:

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

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

• Email: panasurance@gmail.com