Homeowners Insurance

For most homeowners in Puerto Rico, their home is more than bricks and mortar: it is their most valuable possession. When disaster strikes, you need an insurance company that truly understands the importance of your sanctuary.

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Vazquez & Rivera Insurance goes beyond offering homeowners insurance. We partner with you to find the perfect option, combining personalized coverage, exceptional service and competitive rates. Whether you live in Puerto Rico, homeowners insurance is crucial, but not all policies are created equal.

Different insurers offer different levels of coverage, endorsements and limitations. Figuring them out can be overwhelming, and that's where our independent agency comes into play. We help you understand the nuances of various policies, regardless of whether you own or rent.

Peace of mind comes from knowing you are protected. Your policy can protect you financially against fire, theft, vandalism, and other covered events. It even provides liability coverage if someone is injured on your property.

Personalization is key. Choose a comprehensive policy that covers fire, hail, theft and loss of personal property, or opt for one that covers specific losses. Ultimately, the choice is yours.

Here is a breakdown of common coverages:

Housing: Protect the structure of your home. We analyze replacement costs to ensure adequate coverage.
Other Structures: Covers free-standing buildings, fences, and driveways.
Personal Property: Covers your belongings: furniture, electronics, clothing, and more.
Loss of use: Pays temporary living expenses if your home becomes uninhabitable.
Medical Expenses: Covers medical bills for guests injured on your property.
Family/Personal Liability – Protects you if someone is injured or their property is damaged due to your actions. Consider your assets when choosing limits.
Scheduled Personal Property: Offers special coverage for valuables such as jewelry or collectibles.