https://www.sugese.fi.cr/seccion-polizas-registradas/pólizas-vigentes

• Fire, which is not caused by any of the exclusions.
• Water, in case of extinguishing a fire to control the accident.
• Lighting impact
• Smoke or soot, coming from a fire in the insured place or any one next to it.
• Implosion and/or explosion of any type, except boilers. Combustion engines or pressure apparatus.
• Impact of land or air vehicles
• Falling of trees, antennas, towers
• Fire and direct damage due to earthquake
• Direct damage due to strong winds
• Direct damage due to flood, due to water, overflowing of the sea, sliding
• Fire and direct damage due to public disorders
• Direct damage due to wickedness
• Looting
• Rain

• RESIDENCE ASSISTANCE

  • Plumber
  • Electricity
  • Locksmith
  • Stained glass windows
  • Expenses due to staying in a hotel, because the insured house can´t be used
  • Domestic service due to hospitalization
  • Connection service with professional the Insured needs.

  MORE ADDITIONAL ASSISTANCE:

• Glass breakage
• Rent expenses
• Debris removal
• Contents

• International war either declared or not, terrorism, sabotage, act of foreign enemy, civil war, revolution, insurrection, rebellion, political manifestations and activities, acts led to influence by terrorism and violence, employee-employer disorders, popular riots, public order alterations, and all the situations led to avoid or decreasing them, only if there is agreement in contrary referred to the following risks: political manifestations and activities, acts with the intention to influence by violence, employee-employer disorders, popular riots, and public order alterations.
• In any case, this insurance could cover loss, damage, responsibilities or expenses caused direct or indirectly or attributable to, or, as a consequence or nuclear energy or any type or radioactivity, including, but not limiting to any of the events which are next mentioned, independently of any other event or reason which had contributed to the accident in a concurrent or sequential way.
• Fraudulent or criminal actions of the Insured or anyone who acts in his/her name.
• All coverage offered by this Insurance Contract will be automatically suspended at the moment the insured building (or wherever the insured items are) sinks, cracks or collapses, in part or as a whole, in such a way that it constitutes a greater risk than before such happening.
• This policy does not cover losses which could occur after the accident as business or production interruption, loss of markets or profits, or loss or rent.
• There is no coverage for damages suffered by the insured items due to lack of refrigeration and other similar losses.
• The electronic date non-recognition ——–
• Pollution and/or contamination
• Direct losses which have their origin in designing errors, or constructive defects, even though the immediate cause are risks covered by this policy.
• Losses or damages to the insured property due to fermentation, own vice or spontaneous combustion, or due to heating or dry out procedures, to which the property had been submitted.
• Looting or robbery to the items in any circumstance, either for the losses suffered during or after the accident, only is there is agreement in contrary.

• The Insured, must present himself/herself to the Centro de Negocios de la Mutual, to notify.
• To hand in a letter, asking for the granting of the fire insurance coverage, which he/she has related to the credit with the Mutual, and which covers damages in the house structure, indicating the accident´s date, detail of damages, telephone numbers and electronic address.
• Photocopy by both sides of the Insured´s identification card.
• Photos of the house´s areas where the damages are located.
• Provisional invoice of the materials and labor for the repair of the damages.