~I have my coverage for my DR property with a local company there called Mapfre, they were only one of two that covered Liablity as well as comprehensive coverages for property damages. We needed the coverage for liability in the event that a tenant was hurt etc. I am covered for the following at varying deductables, however covered nonetheless:
Incendio-Fire
Terremoto-Earthquake
Inundacion Y/O Ras De Mar- Flood
Danos Por Aqua Huracon-Water damage from Hurricane
Huracan-Hurricane
Explosion
Motin Danos Maliciosos-Malicious damages from riots
Danos Aqua accidental- accidental water damage
Danos por humo-Smoke damage
Danos Naves Aer Y Terr/: need the translation on this one something with ships and terrisom???
Combustion espontanea: spontanous combustion
Remocion De Escombros: removal of debris
Granizo: Hail damage
Colapso Y/O derrumbe: Collaspe
Robo De Contenido: Contents Theft
Asistencia Domiciliaria: Home Care
Inhabitabitidad De La Vivienda: Temporary Housing
Perdida De Alquiler: Loss of Rent
Danos Esteticos: Cosmetic damages
Reconstruccion Documentos: Document reconstruction
Gastos De Extincion: Supression Costs
And then there is numerous coverages for the Liablity end as well that range from Armed Survallance, accidental death, dismemeberment, legal defense, pets, tenants, property and operations personal.
So in the nutshell we are pretty well rounded and covered.....that is until something happens....I have heard that it is very very difficult to file claims and have them paid out....but I suppose its like that anyplace, not just the DR....no insurance companies want to pay out anything, however they will drop you like a hot potatoe if you do not pay you premiums timely....
Hope this helps....if you need further information pls pm me...:bunny: