Top Extra Coverages You Should Consider for Your Dominican Republic Property Insurance

Why Extra Coverages Matter

A standard property insurance policy in the Dominican Republic already offers essential protection—covering events like fire, hurricanes, earthquakes, and floods.
However, as seen in multiple insurance proposals from top providers like Seguros Sura, Seguros Reservas, Humano, and La Colonial, there are valuable add-ons that can enhance your protection and save you thousands in repair and replacement costs.

These “extra coverages” can address risks that homeowners often overlook until it’s too late. Let’s break them down in simple terms.

1. Equipment Breakdown Coverage

What it is: Covers sudden and unforeseen damage to household machinery like air conditioning systems, pool heaters, water pumps, and electric gate motors.
Example: Your central air conditioner motor burns out during peak summer heat—this coverage pays for repair or replacement.
Why you need it: These systems are expensive to fix, and damage is often excluded from basic policies.

2. Electronic Equipment (All-Risks)

What it is: Protects against accidental, electrical, or mechanical damage to electronics such as TVs, laptops, home theater systems, video game consoles, and smart appliances.
Example: A power surge after a blackout fries your entertainment system—this coverage handles the cost.
Why you need it: Electronic equipment is highly vulnerable to electrical fluctuations, especially in tropical climates.

3. Domestic Pet Liability

What it is: Covers damage or injury caused by your pets to third parties.
Example: Your dog bites a neighbor or damages their property—this coverage pays medical bills or repair costs.
Why you need it: Even well-behaved pets can cause incidents that lead to costly liability claims.

4. Accidental Glass Breakage

What it is: Covers the cost of replacing broken windows, doors, mirrors, or glass fixtures.
Example: A child throws a ball and shatters your sliding glass door—this coverage pays for a replacement.
Why you need it: Glass damage is common and not always cheap to repair, especially for custom or imported materials.

5. Home Assistance Services

What it is: 24/7 emergency assistance for issues like locksmith services, plumbing, electrical repairs, appliance troubleshooting, and even veterinary guidance.
Example: Your front door lock breaks late at night—a technician is dispatched immediately at no extra cost.
Why you need it: These services provide peace of mind, ensuring help is always available without surprise bills.

Final Thoughts

Extra coverages might slightly increase your premium, but the added protection often outweighs the cost. Think of them as an investment in safeguarding your property, comfort, and financial stability.

Why Choose Hernández Peguero Insurance Brokers?

We work with all major insurers in the Dominican Republic and customize your policy to match your lifestyle, property type, and risk profile.
Our proposals always highlight valuable add-ons so you can make informed choices.

Ready to Get a Quote?

📞 Call/WhatsApp: +1 (849)514-9838
📧 Email: info@hernandezpeguero.com
🌐 Website: www.hernandezpeguero.com