Welcome to the BIAI family.Your life. Your goals. Let’s talk.

Find your next step

24/7 roadside assistance, emergency towing and accident recoveryClient service · Sagicor GeneralAbsolute Assignment — transfer policy ownershipClient service · Sagicor LifeAccess your Sagicor Life payment historyClient service · Sagicor LifeAccidental damageClient service · Sagicor GeneralAdd Baby to Existing Health PlanClient service · Sagicor LifeAdd On Accidental Death & Dismemberment or TDClient service · Sagicor Life
← Knowledge centre

Your home has changed. Has your cover kept up?

An old sum insured may no longer tell the whole story of your home.

Illustrative Caribbean home and its contents

A renovation, new appliances or years of small purchases can change what is at risk. A review is an opportunity to consider buildings and contents separately and understand the valuation basis your policy requires.

Underinsurance provisions, claim excesses and temporary accommodation can also affect the help a policy provides. We can talk through the questions to raise about your current cover.

Look around your home.
What would replacing it take?

New belongings and improvements can quietly outgrow old insurance figures. Review buildings and contents separately, using the valuation basis required by your policy rather than assuming a purchase price is enough.

  1. What has changed since my last valuation or contents review?
  2. How would my policy treat underinsurance?
  3. Which costs would still be mine after an insured event?

No need to enter your answers here. Bring the questions that matter to your consultation.

A starting point for a conversation. The appropriate options depend on your circumstances and the relevant provider’s current terms and assessment.

Find another question to explore
Let’s talk (opens in a new tab)
Book your free financial check-up (opens in a new tab)