Home Insurance in Costa Rica

Protect your house, apartment or investment property against fire, earthquakes, theft and other unexpected events.

Home insurance helps protect both the structure of your property and the belongings inside it, providing financial protection and peace of mind in case of unforeseen events.
As an independent insurance broker, we help you compare options from different insurance companies and choose the coverage that best fits your needs.

We assist residents, expatriates and property owners in Costa Rica in finding the right insurance coverage.

Home insurance policies can protect your property against a variety of risks, including:

🔥Fire and Explosion

Damage caused by accidental fires or explosions affecting the property.

🌎Earthquake

Protection against structural damage caused by seismic activity.

🔒Burglary or theft

Coverage for loss of belongings due to burglary or theft.

💧Water damage

Damage caused by broken pipes, leaks or other water-related incidents.

⚖️Personal liability

Coverage if third parties suffer bodily injury or property damage within your property.

Coverage may vary depending on the insurance company and the selected policy.

Home insurance may apply to different types of residential properties, including:

Houses

Single-family homes located in residential areas.

Apartments

Residential units located within buildings.

Condominiums

Properties located within horizontal or vertical condominium developments.

Vacation homes or second residences

Properties used occasionally or as investment homes.

Rental properties

Homes that are rented to tenants.

Home insurance generally protects two main components of the property.

Building coverage

This protects the physical structure of the property, including elements such as:

This coverage is usually based on the reconstruction value of the property, not the market value.

Contents coverage

This protects the belongings inside the property, such as:

Coverage is typically based on the declared value of the contents.

The cost of home insurance depends on several factors, including:

As an independent insurance broker, we help you compare policies from different insurers and select the coverage that best fits your needs.