Family liability
Some plans include a US$100,000 limit for claims involving injury or damage to others’ property. This protects family assets alongside home contents. We confirm each proposal’s limit with you.
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Family multi-risk insurance
Protect your belongings and your family’s assets. Family multi-risk insurance brings together home contents cover and liability protection for accidental harm to others in everyday life.
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Family multi-risk insurance
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Understand your protection.
One of family multi-risk insurance’s greatest benefits is liability cover: it can protect your assets against claims for accidental injury or damage to others in private life. Some plans include US$100,000 for this protection alongside contents cover, making it worth comparing with contents fire insurance alone.
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01Family liability and contents 01 / 03Your home and family assets.
Home contents
Furniture and other declared belongings can be protected against fire and contracted events. We organize an inventory and values for the property to be restored.
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02Theft and natural events 02 / 03The unexpected, at home.
Burglary and robbery
We review theft limits, covered events and security measures, seeking a sum suited to your contents rather than assuming it equals the whole policy.
Earthquake and water damage
Home protection can also address natural events and water damage. We compare scope against the home’s location and type.
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03Valuables and recovery 03 / 03What matters to you.
Valuables
Jewelry, watches and art deserve individual declaration. We review descriptions and values to distinguish their protection from general contents.
Recovery after damage
Options can address attempted-burglary damage and costs associated with temporary loss of use of the home. We review proposed scope and limits.
Each proposal has its own scope. Before you choose, we confirm the benefits and limits offered and explain them to you.
The added value: protecting your assets.
Contents fire insurance focuses on your belongings. Family liability serves another need: amounts you may owe for accidental injury or damage to others. It can address private-life acts of the insured and family members, and situations involving pets, within the contracted scope.
The liability limit is reviewed separately from contents values. For example, US$100,000 of third-party liability does not mean US$100,000 of contents insurance. We compare both amounts and package scope alongside theft and valuables to help choose broader family protection.
Start with your situation
What we review together.
These details help us ask the right questions and compare like with like. We can start with a conversation and help you organize the documents.
- Home type, location, usual occupancy and security measures.
- Contents inventory and a separate valuables schedule.
- Building or condominium policy and existing home insurance.
How Mint helps
We take time to understand what you need, present the details to insurers and compare proposals with you. Before you choose, we explain the cover, limits and cost. Then we stay by your side for changes, claims and renewals, with a team you can talk to.
Talk to an adviserBefore you decide.
What does it add to contents fire insurance?
Alongside your belongings, it can include family liability for third-party damage claims. Some plans provide a US$100,000 limit for that cover, adding meaningful protection for your assets. We also review theft and other package benefits.
Can I insure contents if I rent?
We review your belongings and responsibilities as an occupant. Your contents interest differs from the landlord’s building interest.
Are burglary, robbery and theft treated alike?
Each proposal defines the covered events. We explain what is included against your home’s security and occupancy.
What about jewelry or art?
We review declarations and specific limits. A valued item schedule supports appropriate home or valuables assessment.
Let’s design
your coverage.
Tell us about your home and the belongings you want to protect. We help you compare a family home contents plan with the theft protection you need.
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