Your property deserves the right coverage.

Your property is one of your most valuable assets. With Citizens Property Insurance, you can choose from three levels of coverage, from essential coverage to full all-in coverage, tailored to your needs and budget.
  • Reliable
  • Affordable
  • Simple

Protect your property with the right coverage

Select from three clear plans designed to keep what matters most safe.

Property Essential

Basic coverage, the essential protection every property owner needs.
Ideal if you want a simple, affordable plan covering fire, lightning and explosion.

Property Extra

Extended coverage, including theft, water and vandalism.
Perfect if you want broader protection for your property and valuable contents.

Property Exclusive

Premium all-in coverage, our most complete property insurance.
Ideal if you want full coverage, including P.A.I. and liability at no extra cost.

Get your quote
See more & compare plans ↓ 
All amounts are in AWG
Available Plans Explore Options
Property Essential Basic coverage for home and contents.
Property Extra Extended coverage for home and contents.
Property Exclusive Most completed coverage for home and contents.
Fire, lightning, explosion
Included
Included
Included
Water, steam & rain damage
Not Included
Included
Included
Breaking of glass
Not included
Included
Included
Theft, burglary & vandalism
Not included
Included
Included
Free Personal Accident Insurance (P.A.I.)
Not included
Not included
Included
Free liability coverage
Not Included
Not Included
Included
Valuable more than 10.000
Optional add-on
Optional add-on
Optional add-on
Indexation
Optional add-on
Optional add-on
Optional add-on
Cat-Nat: Natural catastrophe coverage
Optional add-on
Optional add-on
Optional add-on
Glass
Optional add-on
Optional add-on
Optional add-on
Induction
Optional add-on
Optional add-on
Optional add-on
All amounts are in XCG
Property Essential Basic coverage for home and contents.
Property Extra Extended coverage for home and contents.
Property Exclusive Most completed coverage for home and contents.
Fire, lightning, explosion
Included
Fire, lightning, explosion
Included
Fire, lightning, explosion
Included
Water, steam & rain damage
Not Included
Water, steam & rain damage
Included
Water, steam & rain damage
Included
Breaking of glass
Not included
Breaking of glass
Included
Breaking of glass
Included
Theft, burglary & vandalism
Not included
Theft, burglary & vandalism
Included
Theft, burglary & vandalism
Included
Free Personal Accident Insurance (P.A.I.)
Not included
Free Personal Accident Insurance (P.A.I.)
Not included
Free Personal Accident Insurance (P.A.I.)
Included
Free liability coverage
Not Included
Free liability coverage
Not Included
Free liability coverage
Included
Valuable more than 10.000
Optional add-on
Valuable more than 10.000
Optional add-on
Valuable more than 10.000
Optional add-on
Indexation
Optional add-on
Indexation
Optional add-on
Indexation
Optional add-on
Cat-Nat: Natural catastrophe coverage
Optional add-on
Cat-Nat: Natural catastrophe coverage
Optional add-on
Cat-Nat: Natural catastrophe coverage
Optional add-on
Glass
Optional add-on
Glass
Optional add-on
Glass
Optional add-on
Induction
Optional add-on
Induction
Optional add-on
Induction
Optional add-on

Your questions answered

Property Insurance coverage your house against events like fire, lightning, explosion, water damage, theft and vandalism. The level of protection depends on your plan.

It’s not required by law, but most lenders do require it. Even without a mortgage, it’s the safest way to protect your Property.

Premiums are based on:

  • The value of your home
  • Your chosen coverage level
  • Past claims
  • Safety measures such as alarms or shutters

Contents coverage protects your belongings, such as furniture, electronics, clothing and jewelry.

Yes, through the Cat‑Nat add‑on. This includes earthquakes, seaquakes, volcanic eruptions, floods and strong currents.

  • From the moment you walk into Citizens, you feel at home. The team is welcoming, attentive, and truly delivers outstanding service, giving you real peace of mind.
    — Kateline Tromp
  • I chose Citizens because of their professionalism and excellent service. Everything is always well organized, and they are present when it truly matters.
    — Transinio Saladin
  • Top service and real professionalism, that’s what stands out to me about Citizens. I confidently recommend them to anyone looking for dependable coverage.
    — Marvin Albertus
  • From the moment you walk into Citizens, you feel at home. The team is welcoming, attentive, and truly delivers outstanding service, giving you real peace of mind.
    — Kateline Tromp