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Fire Manager of the GTM Group of Companies, Ramona Singh, recently deemed her company’s new Homeowners Comprehensive Policy package asFire Manager of the GTM Group of Companies, Ramona Singhbeing unlike any other that is offered by its competitors.Speaking at the launching of the package last Friday at the Pegasus Hotel, Singh said that the policy changes the concept of the traditional property insurance strategy.The Fire Manager disclosed that to date, the insurance market in which GTM operates is very competitive,John Hannah Patriots Jersey, and too often the placement of coverage is not based on either the service or the scope of coverage,Drew Bledsoe Patriots Jersey, but rather to a large extent, the low premium.While what a homeowner would pay for insurance is important, she said that conversely so also, are the benefits to be received in return for that premium.This principle she said,Eddie Lacy Packers Jersey, is what served as the catalyst of the GTM Homeowners Policy which provide benefits which are being offered for the first time in Guyana.Singh expressed that it offers coverage of a wide range of events.She noted that it offers coverage of losses as a result of flood, hurricane, earthquake,Matt Ryan Falcons Jersey, falling trees, malicious damage, riot and strike.It also offers coverage to buildings which include the main building, outbuildings, fences, gates, swimming pools,Irving Fryar Patriots Jersey, satellite dishes,Julio Jones Falcons Jersey, terraces, patios, the contents of each which includes, but is not limited to household furnishings, valuables, jewellery,Ross Cockrell Steelers Jersey, sporting equipment, personal effects and electronic equipment.Singh stated that this policy also provides coverage that goes beyond those named events.“A house is a significant financial investment that we make, so that we will all have our own safe place where we can enjoy the comforts of life with our families and friends. The peace of mind we require when we are away from our home is important, and so we make great efforts to ensure security of that investment. This coverage provides that security. We understand that need and so compensation is provided for damage or loss to your property, valuables and personal effects in the event of burglary or attempted burglary,” She asserted.The manager said that in every case of loss, whether partial or total, discomfort, inconvenience and financial instability inevitably occur and creates a burden.She said, “Having to worry about where to live,Grady Jarrett  Falcons Jersey, for how long and the cost associated with it, is something which most of us never or seldom estimate and as such, this policy provides reasonable additional cost of alternative accommodation actually incurred by you following a loss which renders the property uninhabitable.“Further, if your property was rented, coverage is provided for compensation for the rent you would have received, but lost while the property was unfit to live in.For most of us, we leave our homes and our children in the care of others employed by us. Their presence in our lives is important, but what if there is an accident resulting in injury to those persons while they are under our employ? This policy takes care of that by providing compensation for our legal liability to those persons for damages, claimant’s costs and expenses.”This compensation Singh said also extends to the homeowners’ legal liability to compensate persons who are invited to the property, where accidental bodily injury or damage is contracted to those persons in or about the property.“The finer things in life such as valuables,Brett Favre Falcons Jersey, personal effects, jewellery, and sporting equipment, all carry with them a sentimental value because of the mere joy and pleasure they bring to our lives, and so we take extra care in protecting them from damage. This coverage provides for payment as a result of accidental damage or loss to these items,” she related.The manager opined that time spent away from home outside the territorial boundaries of Guyana occurs more often than before, and GTM’s new homeowners policy provides customers to have available to them, All Risks Insurance for valuables and personal effects on a worldwide basis in the event of accidental loss or damage by any cause.Singh related to the attentive audience; that the package also provides coverage for food stored in any deep freezer or refrigerator in one’s home as a result of breakdown or accidental damage to the freezer or refrigerator, contamination by refrigerants or its fumes and if there is a failure of electricity supply for more than twenty four hours.“Home furnishings by their mere exclusive design are expensive and so if breakages of these occur, replacement may take a long time. This policy provides for easy replacement of those exclusive furnishings.The constant supply of water and electricity are important for the everyday existence and comfort. Should damage or loss be caused by external sources to your underground service system, compensation is provided for its repair and restoration.Should you be rendered permanently disable due to an accident in or about your property, this policy also takes care of compensation for bodily injury sustained,” The GTM Fire Manager added.While the provision of medical services and treatment in Guyana has over the years improved significantly, Singh said that should one require emergency treatment outside of Guyana, persons are afforded the privilege at an additional cost to have emergency air ambulance coverage to anywhere in the Caribbean or Miami.And “if the unthinkable happens, perhaps where an accident occurs resulting in death, while you are in Guyana, your dependents will receive compensation” she said.GTM believes that this new policy can only be considered nothing short of the “Total package.”