hurricane DAMAGE and break-ins
Damage to buildings and outbuildings due to a wide range of causes, from hurricanes and falling trees to break-ins and vandalism
home insurance
Coverage that feels like home
Your home is one of the biggest investments you’ll ever make. With coverage from Allshores, you can rest easy knowing it’s protected.
Allshores has you covered,
wherever you call home
As Bermuda’s leading home insurance provider, Allshores insures a wide variety of homes and properties.
We cover all types of homes
- Houses
- New home builds
- Condominiums
- Airbnbs and other vacation rentals
- Rental properties
We cover everything, including the kitchen sink
A comprehensive homeowner’s insurance policy from Allshores may include:
rental income
Loss of rental income or cost of accommodation following damage to the property
Internal fittings and fixtures
Damage to fittings and fixtures, such as kitchen cabinets, ceiling lights, tubs, and sinks
liability protection
$1M in third-party liability coverage as the homeowner
Outdoor areas
Damage to your garden walls, patio, terrace, retaining wall, and other outdoor areas
home contents
Option to purchase contents insurance to protect your belongings
personal home insurance
Get a quote or Renew your policy
As we build new home insurance products under the Allshores name, you can still renew your existing policy or speak with our team about coverage options. We’re here to make sure you stay protected every step of the way.
Personal Contents insurance
Protect what’s inside with contents insurance
Whether you rent or own your home, contents insurance covers your belongings against loss, theft, or damage. It also includes extra benefits like third-party liability and the cost of alternate accommodation if you need to leave your home during repairs.
Want to pay in instalments?
With Allshores, you can choose to pay your personal home insurance premium in monthly, quarterly, or semi‑annual instalments. You’ll have more control over your cash flow while keeping your home protected.
Contact us to learn more or change your payment plan.
Contact us to learn more or change your payment plan.
Frequently asked questions
Your sum insured should represent the full cost to rebuild or replace your home or contents in the event of a total loss.
It’s important to keep this amount up to date to keep up with inflation and rising construction costs. If you’d like help reviewing or adjusting your coverage or sum insured, please call us at 1-441-298-0888.
Home insurance covers more than just your house. It also includes coverage for:
- Outbuildings
- Swimming pools
- Tennis courts
- Walls, gates, fences, and driveways
Your sum insured should reflect the full reconstruction cost of your home, including features like a pool. A hot tub must be specifically listed on your policy.
No — and there is likely a significant difference between your home’s replacement cost and its market value.
Replacement cost is the amount it would cost to rebuild your home from the ground up, including materials and labour, in the event of a total loss.
Market value is the amount a buyer might pay for your existing home, factoring in location and demand — it doesn’t consider how much it would cost to build the same home with today’s material and labour costs.
When it comes to insurance, your sum insured should be based on replacement cost, not market value.
Yes. Home insurance covers damage caused by hurricanes, subject to the terms and limits in your policy, unless hurricane coverage has been specifically excluded.
Yes. Home and contents insurance cover flood-related damage to your buildings and contents, subject to the terms and limits in your policies. Under your contents coverage, this can also include replacing fresh water in your home’s water tank if it becomes contaminated by saltwater during a storm or flood.
