Your property can suffer damages at any given moment.

Trust USIC with your property insurance and get the peace of mind you deserve.

USIC - Hurricane Parametric Insurance USIC - Hurricane Parametric Insurance
01 Personal
Hurricane Parametric Insurance

We’re here to take care of you in the aftermath of a hurricane. We use your property’s location to activate your policy after having been hit by the eye of a hurricane (category 3 or greater) if it passes within a 50 mile radius.

Option 1
  • Límit $2,000
  • Annual cost $125
Option 2
  • Límit $4,000
  • Annual cost $250

According to information published by the National Hurricane Center (NHC), the payment you receive is calculated according to the distance between the eye of the hurricane, the location of the property, and the maximum speed of sustained winds. The payment could be anywhere from $200 to a maximum of $4,000, depending on the purchased policy and the activated parameters.

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USIC - Hurricane Parametric Insurance USIC - Hurricane Parametric Insurance
02 Personal
Earthquake Parametric Insurance

It’s no secret that we are constantly exposed to the unexpected nature of earthquakes. We know the costly damages they can cause. This parametric insurance uses the location of your property to define whether or not to activate coverage as a result of an earthquake, as long as the intensity recorded at the property is equal to or greater than 6.5 on the modified Mercalli scale.

Option 1
  • Límit $15,000
  • Annual cost $115
Option 2
  • Límit $30,000
  • Annual cost $230

We use data from the United States Geological Survey (USGS) to calculate the intensity at the location of your property and determine whether or not to activate your coverage. In case of activation, we calculate a payment ranging from $3,750 up to a maximum of $30,000, depending on the purchased option and its applicable parameters.

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USIC - Earthquake Insurance USIC - Earthquake Insurance
03 Personal
Parametric Insurance "Bundle Package"

Our combined option allows you to be prepared for both events. You can receive a maximum of up to $4,000 when the coverage is activated after a hurricane and of up to $4,000 when the coverage is activated after an earthquake.

Option 1
  • Límit $2,000
  • Annual cost: $140
Option 2
  • Límit $4,000
  • Annual cost: $280
Más información
04 Parametric Insurance
Advantages of Parametric Insurance

We have incorporated an innovative insurance concept into our Parametric Insurance. Aimed at providing economic relief after a hurricane or earthquake, this option offers coverage in the event that a predetermined event occurs and provides payment for the insured party once the parameters defined in the policy are activated.

  • Available to owners or renters
  • All residential properties qualify, regardless of location or type of construction
  • Easy to purchase with one annual payment
  • You can complement other property insurance with this Parametric Insurance
  • Property damage does not have to occur for you to receive your financial relief
  • You receive your money without adjustments, without damage assessments and without deductibles
  • You can use the money for whatever you want
05 Personal
Residential Personal Package (RPP)

This policy is one of the most comprehensive and robust packages that we currently offer. Its extensive coverage allows you to protect more for an incredibly affordable market price. The basic coverage includes protection for the structure of your property with a minimum limit of $50,000, personal liability coverage with a limit of $100,000, and medical expenses with a limit of $1,000.

  • The main risks insured under this policy are the following:

    • Hurricane or wind storm (2% deductible from insured limit)
    • Earthquake (2% deductible from the insured limit)
    • Fire ($250 deductible)
    • Vandalism ($250 deductible; optional coverage for additional cost)
    • Other hazards
  • As part of the basic package, you get the following coverages:

    • Refrigerated property: $600
    • Gravestones: $5,000
    • Credit cards, fund transfers: $3,000
    • Spills: $2,000
    • Owner’s furniture: $3,000
    • Lock replacement: $1,000
    • Fire Department services: $500
    • Identity theft: $5,000
    • Flooding (personal property): $3,000
    • Endorsement of replacement costs: as an additional benefit, our policy includes an applicable replacement cost endorsement if the property is insured for 80% of the replacement cost or more at the time of loss.
  • You can expand your basic package for an additional premium to cover your residency’s contents. This includes the following:

    • Money, bank notes, bullion, etc.: $500
    • Securities, accounts, writings, manuscripts, etc.: $2,000
    • Boats, including trailers and accessories: $2,000
    • Unused trailers with boats: $2,000
    • Theft of jewelry, watches, furs, stones, necklaces, among others: $2,000
    • Theft of firearms: $3,000
    • Theft of gold, silver, platinum, pewter: $3,000
    • Personal property on commercial premises: $3,000
    • Personal property outside the premises for commercial use: $1,500
    • Portable electronic equipment and accessories, on the premises and inside a motor vehicle: $2,000
    • Electronic and portable equipment, on and off the premises of a motor vehicle, primarily used for business purposes: $2,000
    • Purchase of essential clothing and toiletries in case the insured does not have access to the insured property due to a covered loss: $500
  • You can purchase the following endorsements for an additional cost:

    • Personal Responsibility and Medical Expenses: We offer you protection in case of damage to other people’s property and personal injury to third parties with a maximum limit of up to $500,000 in personal liability and $5,000 in medical expenses.
    • Home care: For an additional $30, we offer home emergency services such as plumbing, electricity, locksmithing and glazing, in the event of a fortuitous event to the secured property. We also offer you a benefit of up to $300 maximum per year of policy for each service.
    • Endorsement increase of credit card base limit
    • Endorsement increase of the basic limit of identity theft
    • Inflation protector
    • Personal injury endorsement (Personal Injury)
USIC, Always with you
USIC - Earthquake Insurance USIC - Earthquake Insurance
06 Personal
Earthquake Insurance

USIC offers you the only policy in Puerto Rico exclusively for earthquakes with a deductible of 2% of the insured limit. Our policy is designed to support you if you don’t have a mortgage or property insurance that includes earthquake damages. For just $150.00 a year, you can secure a property valued at $100,000 and ensure your family has a roof over their heads in the event of an earthquake.

You can protect your residence in the event of an earthquake if it meets the following eligibility requirements:
  • It is made of wood or cement
  • It houses four families or less
  • It is located in any region of the island of Puerto Rico
This insurance policy is not available for:
  • Structures made of masonry (brick/stone)
  • Properties propped on columns and/or stilts
  • Condominium units
USIC - Housing Policy (DP-1) USIC - Housing Policy (DP-1)
07 Personal
Housing Policy (DP-1)

When you insure your property, you insure your family. Our Housing Policy (DP-1), also known as Hazard or Claims Insurance, provides compensation to the property owner and the mortgage creditor for damages or losses caused by any of the insured hazards.

We cover the structure of your house in case of:
  • Extended Cover: Hurricane, wind storm, or hail (deductible of 2% of the insured limit for cement residences and 5% for mixed or wooden residences)
  • Earthquakes (deductible of 2% of the insured limit for cement, mixed, or wood residences) Fire ($250 deductible)
  • Fire ($250 deductible)
  • Vandalism ($250 deductible; optional coverage for additional cost)
Additional benefit included:
  • As an additional benefit, we include an applicable replacement cost endorsement if the property is insured for 80% of the replacement cost or more at the time of loss.
FAQ: Personal Property and Casualty
  • What does the Earthquake Policy cover? + This policy protects the structure of your property against damages caused in the event of an earthquake. It does not cover damages caused by any other atmospheric phenomenon, accidents or unexpected situations. It also does not include personal property.
  • What are the hazards insured under your Housing/Residential Property policy? + Hazards include wind storms, hurricanes, hail, earthquakes, fire or lightning, volcanic eruptions, smoke, and explosions.
  • What does the Housing/Residential Property Policy cover? +
    We cover the structure of your house in case of:
    • The main structure, attached structures (gates and gazebos, among others), and building materials that are used to repair or remodel the secured structure
    • Losses that occur during the policy’s term
    • Damages caused by an insured hazard
  • Which properties are eligible for the Housing/Residential Property Policy? + Homes with up to 4 families that are located in Puerto Rico and that are used mainly for residential purposes are eligible for this policy.
  • What is the deductible applicable to the policy and how does the adjustment of the loss affect me? + The deductible is defined as the share (amount to be paid) of the insured in the loss caused by the covered hazard. This value can be determined by a fixed amount or a previously agreed percentage. In the case of property policies for wind or hurricane hazard, it is 2% or $500 (minimum), whichever is greater. We recommend that you review your insurance policy’s Statement Sheet regarding the amount of coverage and deductibles.