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This question goes only to those who own homes in CR: Is there insurance available for loss against fire, etc? Or does the owner absorb all costs?
There is only one insurance company in Costa Rica allowed to manage this kind of insurance – Instituto Nacional de Seguros or INS for short …
The main website (all in Spanish) is at
You can see more about their ‘comprehensive home’ insurance at ?
You can locate INS agents at
Best wishes
Scott Oliver – Founder
WeLoveCostaRica.comAlthough there is only one insurance company, there are many agents who can help you through the steps. We found David Garrett of ‘Garrett y Asociados’ to be both professional and helpful. His office is in Centro Comercial El Pueblo, which is worth a visit on its own, but he will come to your house to inspect and advise. We have both car and house insured through him.
Tel: 233-2455, fax: 222-0007, E-mail: info@segurosgarrett.com.
My husband is an insurance broker here in Canada and thought service and cost was reasonable. You can even insure against loss due to earthquake!
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