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 Selkridge Insurance Agency Ltd. Antigua is now the local agency for Island Heritage Insurance.  Selkridge Insurance Agency is located at # 7 Woods Centre on Friars Hill Road.

Island Heritage is a specialist property insurance company whose formation was sponsored by Marsh & McLennan Risk Capital Corp. The company is domiciled in Grand Cayman and currently writes business in various Caribbean Islands  and is particularly interested in providing insurance cover to homeowners.

 We have a strong capital base and substantial reinsurance protection. In addition to a high level of security, it is our intention to provided our clients with a service second to none.

We are rated by A. M. Best Co. and details are available from the company website and brochure or from our local representative Selkridge Insurance.  

We have produced an insurance  package designed to provide comprehensive protection for home owners. The policy  has been written and the covers have been selected with the aim of providing, ( in a single document), the full range of insurances required by the homeowner. The company offers a wide range of coverage including ( hurricane), and deductible options through its Heritage Home & Business policies. We offer significant savings to clients who protect their properties with such measures as hurricane shutter, burglar bar alarms and similar improvements.

Perils Covered

Both buildings and Contents are covered for the same Perils, which are listed below are fully defined in the policy.

• Fire, lightning explosion, smoke, thunderbolt and subterranean fire

• Riot, civil commotion, smoke, labour and political disturbances

• Malicious acts and vandalism

• Earthquake and volcanic eruption ( including flood or overflow of the sea caused by these perils)

• Hurricane, cyclone, tornado or windstorm ( including flood or overflow of the sea caused by these perils)

• Flood

• Impact by aircraft, aerial devises, vehicles or animals

• Escape of water or oil from any fixed water or heating installation or domestic appliance

• Theft or attempted theft

• Falling trees or branches

• Subsidence or heave of the site on which the buildings stand and or landslip.

Deductibles These are defined in the policy as follows:

" The amount of each loss for which you are responsible"

A deductible applies to each peril and full details are found on the bottom section of the policy Schedule. Simply put, this is an amount of each claim, which is not paid by the company. These amounts are small in respect of most losses, but you should be aware of the following " higher" deductible:

Perils 

Earthquake, volcanic eruption, hurricane,

Cyclone, tornado, windstorm and flood.

Deductible

2% of the sum insured for Buildings and/ or contents.

# 7 Woods Centre

P. O. Box W 306

Woods Centre

Friars Hill Road

St. John's, Antigua,

West Indies

Telephone 1- 268- 462-2042

Fax: 1- 268- 462- 2466

E-mail: selkins@candw.ag

website: www.selkridgeinsuranceantigua.com