House Insurance for board houses In Jamaica?

by Christy

I am purchasing a home in the hills of Jamaica. Now everything is ready except for closing. I was informed by the owners that you cannot get house insurance for wooden homes. Is this correct?

If it is, should this have been disclosed to me by the owners, real estate agent or lawyers before I placed an offer on the property?

If I had known I might have had second thoughts or given a different offer than I did.

I know in America things like this have to be disclosed.


ANSWER: by Wellesley

Hey Christy,
Thanks again for asking!

I recall answering a similar question last week relating to this issue. I addressed the the question of Jamaican companies that offers insurance coverage for wooden houses in Jamaica.

I think you posted that as well, right?
If not, I recommend you read my detailed response here.

The essence of it though is that you actually can get insurance coverage, but two things:

  1. A limited number of insurance companies accept that risk and
  2. The process is a bit more tedious as several factors and variables are taken into consideration.

Should the former owners, real estate agent or lawyer told you prior?

Now I am not a neither a lawyer, real estate broker nor agent, but from speaking with my friends in the field, I was told 'not really'.

Based on their experience and system 'know how' they might have some idea, but at the end, it is really the insurance company, or insurance agent, that makes the last call - based again on a number of factors, including location, house size, type of construction, valuation report, etc., etc..

I strongly suggest that you read that response article to get a greater insight into this.

In that article I also recommend an insurance company that, from all indications and all things considered, would be more likely to insure the wooden house for your. Take a look at that response article here.

If you still have questions, I suggest you have a further discussion with your real estate lawyer.

I hope this helps.

Be sure to also read my article on: How Long Is The Processs Of Buying Property In Jamaica.


P.S. We've answered HUNDREDS of questions, click here and here to get even more answers.

Click here to post comments

Join in and write your own page! It's easy to do. How? Simply click here to return to JamaicaQuestions.

New! Talk To Me
Was the information helpful? Something needs changing? I welcome your feedback here.

Read More ...

Recommended For You ...

Don't Make The Mistakes Others Do!

Get The TIPS & TRICKS For Your Jamaica Vacation In Our Jamaica Travel Guide!

jamaica travel guide

Click Here To Get Your Copy

And, Before You Go!

Here (below) are some sweet deals on matching products at Amazon that you might have otherwise missed., by the way, is the internet's most reputable retailer and usually showcases only the best products that are related to your search. Be sure to check them out.

Note: If link does not show, please click here to be redirected to our page at

Great Articles You Might Have Missed

data-matched-content-rows-num="2" data-matched-content-columns-num="3"

Please help me get the message out by sharing this article with your friends on social media (links below). Thnx ;-)

Also connect with on Social Media: 
Facebook | Twitter | Instagram | Youtube

Thank You!

P.S. Didn't find exactly what you were looking for? Still need help?

Click Here to try our dependable and effective Site Search tool. It works!

Or, simply click here and here, to browse my library of over 500 questions and answers! Chances are someone already asked (and got an answer to) your question.

About The Author

wellesley gayle - booking link

A patriotic Jamaican who adores his culture, Wellesley has been using this medium to share what he calls 'the uniqueness of Jamaica with the world' - since April 2007.  

To date, he serves over 8,300 unique readers / viewers per day.

His efforts have earned him featured positions in local publications, including the Jamaica Gleaner's Hospitality Jamaica, Carlong Publishers, as well as recognition from numerous prestigious international agencies and universities.

He invites you to join his friends list and stay updated on all the latest. You are also invited to join his exclusive patron community

Top Of Page
Wellesley Gayle

New Here?

I recommend you START HERE to enjoy the best of this website!

What's New?

Click Here to see the VERY latest articles and features.

Trending Now

Site Sponsors


Our Preferred Sponsors  & Friends (below)

(Our Sponsorship Policy)

list your business here

Builders in Jamaica - Building Contractors
Recommended Building Contractors In Jamaica Photographers in Jamaica
Wedding Photographers
Cars For Sale In Jamaica
Cars For Sale


Click Here to Visit Our Sponsors' Page

Top Articles

What's New?

Below is a list of the very latest articles I posted on the site.

Recent Articles

  1. What Is The Best Part Of Jamaica To Visit?

    Sep 18, 19 01:55 PM

    You are already sold on Jamaica. Yes, it might be the jewel of the Caribbean with its prestine white sand beaches, luxurious hotels, great food and fantastic

    Read More

  2. Jamaica Road Tour Video Premiers NOW! || Join the rest of us here:

    Sep 18, 19 12:23 PM

    My sweetly anticipated road tour video is premieirinng at 11:30 JA time. Please click on the link and join the rest of us now. Looking forward to seeing you :-)

    Read More

  3. Fun Jamaica Road Trip -From St. James To St. Ann | In Pictures & Video

    Sep 17, 19 10:15 PM

    What was meant to be a simple family visit in rural St. Ann, turned out to be a fun Jamaica road trip! And I have it recorded -in pictures and video

    Read More

  4. Why were free villages created in Jamaica? And Where Are They Located?

    Sep 17, 19 03:09 PM

    It's an important, but often forgotten, topic in our history, that's the purpose and background around the free villages in Jamaica. Well we just 'freed

    Read More

New!  I've created a Welcome Audio. Just click the Play button below to listen.

Please subscribe here to get my latest updates.