Contents Insurance in the BVI

Contents Insurance FAQs

• What is contents insurance? ▾
  Contents insurance protects the personal belongings and household items inside your home. It covers damage or loss from events such as theft, fire, storms, and other covered risks. It is separate from buildings or homeowners insurance, which covers the structure of your property.
• Do I need both homeowners and contents insurance? ▾
  Homeowners insurance covers the building structure; contents insurance covers what's inside. Many BVI property owners choose to have both types of coverage. Contact Premier Insurance to discuss what combination of coverage makes sense for your situation.
• How do I estimate how much contents insurance I need? ▾
  A useful starting point is to make a room-by-room list of all items and estimate their replacement value. This gives you a more accurate picture of the total value of your contents. Speak with a Premier Insurance advisor who can help you think through appropriate coverage levels.