Home insurance

Your house is more than a roof over your head. Fire, burglary or storm could cause considerable damage to your home. With ENNIA Home Insurance you’re not only adequately insured against damage on St Maarten, but you also receive fast and correct service to make sure you experience a minimum amount of inconvenience.

Why opt for ENNIA Home Insurance?

• ENNIA’s claims handling service is fast and efficient.
• ENNIA offers a complete, high-quality home insurance product.
• With ENNIA home insurance you get double Fun Miles for free.
• Free Private Liability Insurance (PLI) covering claims up to 100,000 guilders.
• Free accident insurance with 5,000 benefit in case of death.
• 24/7 Emergency assistance in case of damage.
• Free security advice.
• Free Fun Miles.

Make sure your home is covered for the right amount
The reconstruction value of your home is your starting point. This is the amount it would cost you to rebuild your home today (not including the price of the land). Use a reliable reference to determine the reconstruction value, such as:

• A valuation report from a certified property valuator or real estate agent.
• For new-built homes: the original price of completion (contact price plus additional costs).

Tip:

• Have your home valued every five years to make sure you’re not underinsured!

Damage to your home due to:

• Explosion, theft or collision.
• Burglary, vandalism or rioting.
• Building repair work after leakage.
• Smoke and (sea) water.
• Breakage of glass panes.
• Fire, storm, rain or lightning stroke.

• Damage due to poor state of maintenance of the house.
• Damage due to design and/or construction faults.
• Damage from precipitation through open windows, doors or shutters.

To work out for how much you should insure your home on St Maarten, calculate the reconstruction value. This is the amount it would cost you to rebuild your home today (not including the price of the land). Use a reliable reference to determine the reconstruction cost, such as:

• A valuation report from a certified property valuator or real estate agent.
• For new-built homes: the original price of completion (contract price plus additional costs).

Ask ENNIA or your independent adviser to calculate a premium for you.

You can download the forms here.

Application form for property insurance_ENG

Application form for Property Fire Risk Insurance Private Dwellings WI_ENG

ENNIA St Maarten
W.J.A. Nisbeth Road 97
P.O. Box 394
Philipsburg
St Maarten

T- (00 599) 543 2232
F- (00 599) 542 4045
mail@ennia.com
www.ennia-stmaarten.com

Emergency assistance (Only available with ENNIA Home Insurance)
If your home has been damaged, for example, due to fire or burglary, it takes just 1 phone call to ENNIA Help Service to get emergency assistance, 24 hours a day, 7 days a week. If the damage can’t be fixed at once, ENNIA will provide a temporary solution so you have nothing to worry about.
T- (00 5999) 434 3900

Damage?
If there is damage, it is important that you know what to do, so ENNIA can help you best. Click here for more details.

Go to the contact page.