In light of the stay-at-home order from the Bermuda Government, BF&M’s Bermuda offices are closed to walk-in customers until further notice.

Please note that physical dropbox collections are also discontinued until further notice.

We remain open for business online and by phone.

  • For customer service and for all business enquiries, call +1 441 295 5566.
  • For website support or to set up an online account, call +1 441 298 0301.

Home Insurance

Individual and Family
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Want to speak with a BF&M representative? +1-441-295-5566

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Are you looking to make a payment? +1-441-295-5566

Bermuda's leader in home insurance

We know how important your home, and everything in it, is to you. As the leading home insurer in Bermuda, we're committed to providing the highest standard of insurance service to home owners and renters. We're a name you can rely on.

 

Our home insurance includes coverage for:

  • Buildings insurance & Contents insurance
  • Extensions to standard coverage that further protect you and your investments
  • Coverage for a wide range of causes, including environmental and malicious persons
  • A guide to calculating your sum insured to assist you in arriving at a realistic figure when making a claim
  • Measurement of your home and an estimated sum insured based on average rebuilding costs (for guidance purposes)

Buildings Insurance

As well as covering your home, this policy also includes outbuildings, swimming pools, tennis courts, walls, gates, fences, cesspits, footpaths, and driveways at your home.

Contents Insurance

The contents of your home deserve protection, too. Clothing, furnishings, personal effects, kitchen appliances, and other household goods are included, as are your pets when they are in your home.

All Risk Insurance

Extend your contents insurance to protect valuables you frequently take out of your home, such as jewellery, cameras, and laptops.

Liabilities Insurance

At BF&M, our home insurance automatically provides coverage against a variety of legal liabilities should someone hold you responsible for their injuries or damage to their property.

Sports Insurance

Protect yourself against loss, damage, and theft of sporting goods or injuries resulting from an insured sporting activity.

Understanding underinsurance

Underinsurance means you have insured your home or contents for less than the actual cost to rebuild or replace.
This can put you at significant risk of financial hardship in the event of a claim.

Learn more about the risks of underinsurance

Want to pay in instalments? With BF&M, you can.

We offer interest-free flexibility. With BF&M, you can choose to pay your Home, Motor or Marine payments either monthly, quarterly or semi‑annually.
If you’re an existing customer and want to switch payment plans, call us at +1 441 295 5566, Option 4. If you’re a new customer, you can do so online – simply create an account, get a quote, choose your payment plan, then buy and pay online. That’s insurance made easy.

Home Insurance brochure

(PDF, 229 kB)

Articles & Guides

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Storm damage causes the most insurance claims in Bermuda. Always be prepared.

Making a claim is easier than you think: what to do and what you'll need

Get back on your feet right away by following these easy-to-follow steps.

Moving to Bermuda? Here's what you should know

Welcome to Bermuda! Here's what you need to know about getting insurance here.

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Home Insurance forms

Looking to file a claim? Start here.

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View All Forms

Do you want to learn more? Call us for advice or for a quote.

Quote & Buy +1-441-295-5566