Home Insurance

The last thing you or your loved ones need is the distress and hardship caused by fire, flood, earthquake, typhoon, or robbery. We therefore highly recommend our comprehensive Home Insurance to protect your home and its contents from loss, liabilities, and accidental misfortunes.

We have several custom packages for residential structures as well as condominium units. We can cover just about any residential property!

 

Exclusive Protection for SMDC Property Owners

 

Are you an SMDC condominium unit owner? Protect your investment from possible risks with these special insurance packages designed for SMDC condominium unit owners from BDO Insurance Brokers, Inc., underwritten by Pioneer Group of Insurance Companies.

 

GET STARTED IN 3 EASY STEPS!

1. Select a package and fill out the application form.

2. Pay a premium at any BDO branch.

        Account Name: Pioneer Insurance & Surety Corporation

        Peso Savings Account: 005390000251

3. E-mail deposit slip and accomplished application form to bdo-insure@bdo.com.ph

 

Coverage

Package 1
(Comprehensive)

Package 2
(Limited Cover)

Package 3
(Basic)

Fire/Lightning, Riot, Strike,
Malicious Damage and
Extended Cover (Smoke,
Vehicle Impact, Falling
Aircraft, Explosion)

Covered

Covered

Covered

Earthquake, Fire/Shock, Typhoon,
Flood

Covered

Covered

Covered

Broad Water Damage
including Accidental Bursting
and/or Overflowing of Water
Tanks, Apparatus or Pipes,
Sprinkler Leakage

Covered

Covered

Covered

Vandalism, Malicious
Mischief, Volcanic Eruption,
Landslide and Subsidence

Covered

Not Covered

Not Covered

All Other Risks Not Excluded
in the Policy

Covered

Not Applicable

Not Applicable

Burglary and/or Robbery

100% of Sum
Insured

50% of Sum
Insured

Not Covered

Extensions of Cover (Aggregate Limit)

Comprehensive Personal
Liability

P200,000.00

P100,000.00

Not Covered

Alternative
Accommodation or Loss
of Rent (max 6 mos.)

P50,000.00
per month

P50,000.00
per month

Not Covered

Family Personal Accident

P500,000.00

P500,000.00

Not Covered

Electronic Equipment
Insurance

P50,000.00

P50,000.00

Not Covered

(3 years and below)
Plate Glass Cover

Actual Value Not
Exceeding the
Sum Insured

P50,000.00

Not Covered

Annual Premium (inclusive of taxes)

Sum Insured

Package 1
(Comprehensive)

Package 2
(Limited Cover)

Package 3
(Basic)

P 1.0 M

P 1,710.45

P 1,267.00

P 760.20

P 3.0 M

P 5,135.35

P 3,801.00

P 2,280.60

P5.0 M

P 8,552.25

P6,335.00

P 3,801.00

 

IN CASE OF A CLAIM

Immediately notify BDOI and submit the Incident Report with the following initial documents:

Nature of Claim

Documents Required

Damage to Own Property

Pictures, Breakdown of values of
damaged property, Repair
Estimate

Personal Liability (Third Party
Claims)

Bodily Injury: Medical Certificate,
Official Receipt, Doctor's
Prescription
Property Damage: Breakdown of
Repair Cost

Family Personal Accident

Death Certificate, Medical
Certificate

Robbery/Burglary

Police Report

Deductibles

Fire / Lightning

None

Riot, Strike and Malicious
Damage

None

Earthquake, Typhoon, Flood and
Other Acts of Nature

2% cash value of affected
property

Extended Coverage

1% of sum insured on affected
item, minimum of P1k and
maximum of P500k

Robbery & Burglary

P5,000.00

Broad Water Damage

P20,000.00

Comprehensive Personal
Liability

P2,000.00

Rental Value

7 days

Electronic Equipment

P5,000.00

Plate Glass

P5,000.00

All Other Losses (for Package 1
Only)

P2,000.00

Note: This coverage is exclusive to SMDC unit owners only.