Protecting your home in Puerto Rico is one of the most important financial decisions you can make. At CLB Insurance, we are authorized representatives of the most recognized property insurance carriers on the island. We provide free guidance so you can understand your coverage, compare options, and have peace of mind knowing your home is protected—especially against the unique risks we face in Puerto Rico.
Available Coverages for Your Property Insurance
Hurricane Coverage
Most homeowners insurance policies in Puerto Rico include coverage for hurricane winds and the direct damage they cause to the structure. However, damage from water entering indirectly — such as flooding — may be excluded.
Flood Insurance
Flood damage is not covered under a standard homeowners policy. If your property is in a flood-risk area or near bodies of water, you may need a separate flood insurance policy. We can help you review available options in Puerto Rico.
Earthquake Coverage
Puerto Rico is an active seismic zone. Earthquake coverage is also not included in most basic policies and typically must be added as an endorsement.
If you have a mortgage, your lender will likely require an active policy that covers at least fire and hurricane risks.
Property Insurance for Homes, Condominiums, and Rental Properties
Homeowner Insurance
Comprehensive coverage for owner-occupied homes, including the structure, personal belongings, and personal liability.
Condominium Insurance
Coverage for the interior of your unit, since the building’s master policy typically covers only common areas and the exterior structure.
Protects the structure of a property rented to tenants. DP-1, DP-2, and DP-3 policies are specifically designed for this type of property.
Rental Property (Dwelling Insurance)
Vacation Home or Second Residence
Specialized coverage for properties that are not your primary residence.
Property Insurance Comparison in Puerto Rico
Universal Insurance Company
Ideal Profile
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Homeowners seeking broad availability and fast claims handling
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Mortgage-backed properties (widely accepted by banks)
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Clients who want a balance between cost and protection
Advantages
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One of the largest property insurers in Puerto Rico
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Strong operational capacity for catastrophe events (hurricanes)
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Widely accepted by lenders and financial institutions
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Competitive pricing for standard risks
Disadvantages
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Less personalized underwriting approach
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Coverage customization can be limited in some cases
MAPFRE Puerto Rico
Ideal Profile
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Homeowners looking for comprehensive, high-quality coverage
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High-value homes or newer constructions
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Clients prioritizing service, structure coverage, and claim support
Advantages
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Strong coverage structure (dwelling, contents, liability)
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Solid claims handling reputation
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Additional endorsements available
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Reliable financial backing and underwriting discipline
Disadvantages
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Higher premiums compared to competitors
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More selective underwriting (property condition, location, risk exposure)
Multinational Insurance Company
Ideal Profile
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Complex residential or commercial properties
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Clients requiring more technical or customized coverage
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Risks that do not fit within standard insurance carriers
Advantages
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High underwriting flexibility
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Ability to insure complex or non-standard risks
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Tailored coverage based on actual risk exposure
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Strong support in commercial lines
Disadvantages
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Not always price-competitive for standard risks
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More technical underwriting process
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Less focus on high-volume residential business
Choosing the best property insurance in Puerto Rico is not just about price—it’s about securing the right level of protection against hurricanes, flooding risks, and structural damage, while ensuring a reliable claims experience when you need it most.
Our Customers’ Reviews
"Excellent service and very fast quote process. I received my property insurance quote within minutes"
-Tom Smith
"Great experience! The customer service was outstanding, and the property insurance quote was quick and easy to get. Highly recommended"
- Delia Guevarra
"Fast, reliable, and professional. I got my property insurance quote in no time and the service exceeded my expectations from start to finish"
- Carlos Castillo
Frequently Asked Questions
How much does property insurance cost in Puerto Rico?
What does property insurance cover in Puerto Rico?
Does property insurance cover hurricanes and earthquakes?
Which property insurance companies do you work with in Puerto Rico?
The cost depends on factors such as the property value, location, construction type, and selected
coverage level. Contact us for a personalized quote based on your property.
Property insurance typically covers damage to your home and belongings caused by events such
as fire, theft, vandalism, and certain natural disasters. It may also include liability coverage in
case of accidents that occur on your property.
Coverage depends on the policy. In many cases, hurricane damage is included, while earthquake
coverage may require an additional endorsement. It is important to review your policy details to
understand exactly what is covered.
We work with most insurance providers in Puerto Rico, such as MAPFRE and Universal. We help you compare coverages, deductibles, and prices to find the best protection for your property.