Home Owner’s Multi Risk or Fire Insurance
Fire Insurance covers the structure of a property - roof, walls, and ceiling. Rates depend on the material used for construction (cement, mixture of cement/wood, or wood) and the location of the property (urban or rural areas). Fire protection covers you for catastrophic damage such as earthquake, hurricane/windstorm, lightning, [...]

Fire or Structure Insurance

Fire and Lightning
Earthquake
Windstorm
Explosion
Vehicle Impact
Debris Removal
Electrical Damage
Physical Restoration
Theft or Intent of Theft Damage
Smoke Damage
Errors or Omissions and Modifications
Cleaning Expenses

Sample Premium:
To insure a $200,000 apartment (constructed of cement) in Panama City the annual premium will be of $210. Companies give 5% discount if paid annually.
Content or Multi-Risk Insurance

First [...]