Panamericana de Seguros, S.A. Panama

Coverages
Fire Insurance and Allied Perils	Third Party Liability	Title Insurance	Individual and Group Health Insurance
Cargo Insurance	Burglary, Theft, Robbery Insurance	Automobile Insurance	Life Insurance
Land Transport Insurance	Homeowners Insurance	Personal Accident Insurance	Other Coverages

National Union introduces to you the Comprehensive Residential Insurance Policy.

B/.200.000.00 over the set of goods, furniture, domestic and personal accessories and others contained owned by the insured or by others for which he is responsible.

Coverages:	Insured Amount:
Fire and Lightning	200.000.00
Explosion	200.000.00
Impact of land or air vehicles or objects fallen from them.	200.000.00
Removal of debris.	20% of the insured amount
Earthquake, volcanic eruption.	200.000.00
Windstorm, hurricane, cyclone, tornado and water spout.	200.000.00
Public unrest, civil commotion and workers’ disturbances.	200.000.00
Intentional damage.	200.000.00
Flood, water damage and sea overflowing	200.000.00
Temporary disablement of housing.	1.000.00 per month (max. 6 months)
At first risk. Automatic replacement of the insured amount. Unearned premium.
Theft:
Burglary.	200.000.00
Assault and robbery inside the residence.	200.000.00 being the cash amount limited to 250.00
Assault and robbery outside the residence.	Only for cash money 250.00
Robbery and assault inside on jewels (sub-limit) B/.10.000	20% of the insured amount max. 10.000.00
Theft of credit card.	Max. 250.00 annual aggregate.
Payment of reward to third parties.	Max. 500.00 annual aggregate.
Insurance of electronic equipment (pc and its devices)	Max. 2.500.00
Personal Civíl Liability.	100.000.00 L.U.C.
Personal medical expenses.	500.00 per person 25.000.00 per accident.
Physical damage to property.	250.00
Breakage of glasses. 2.500.00	5% of the insured amount max. 3.000.00
Loss of excess luggage.	500.00 per suitcase max. 2 suitcases.
Urgent locksmith expenses.	Max. 175.00 annual aggregate.
Loss for lack of refrigeration.	250.00 annual aggregate.
Smoke damage	5.000.00 annual aggregate.
Coverages of domestic servant.	125.00
Contained in secondary residence for amounts exceeding 50.000.00	10.000.00 at the request of the insured.
Coverages inside and outside the domicile, even extra territorially, as long as the goods are temporarily in any private residence, hotel, club, laundry, in transit to, from and while they remain in the custody of a bank or company.
Deductibles:
Earthquake, volcanic eruption	2% of the insured amount, minimum 250.00
Windstorm, hurricane, cyclone, tornado, water spout.	2% of the insured amount, minimum 250.00
Flood, water damage and sea overflowing.	1% of the insured amount, minimum 250.00
Theft with force or robbery or assault and theft inside of the residence.	25.00
Breakage of glasses.	100.00