Ronald Domacassé provides expert advice and brokerage services for insurance, mortgages, and pension solutions across Aruba, Bonaire, Curaçao, and St. Maarten. Self-insure right away Free consultation Welcome, Bonbini Your personal advisor for insurance, mortgages, and pensions across the Dutch Caribbean. We provide professional advice and tailored solutions in insurance, mortgages, and financial services, fully adapted to your personal or business situation. With extensive knowledge and years of experience, we help protect your assets and secure your financial future. Do you have a question or need advice? Chat with us, send us a WhatsApp message, or contact us by email. We are happy to help and think along with you. . Select your island and get insured online instantly. ARUBA BONAIRE CURAÇAO ST. MAARTEN If you would like more information about our products and services, please contact us today. Contact Free consultation Blogs & News What If Your Rental Property Can No Longer Be Rented Out? For many property owners, a rental property is more than just real estate. It is a valuable investment and often an important source of income. Whether you rent your property short-term through Airbnb or another vacation rental platform, or long-term to a tenant or expatriate, an unexpected event can have significant financial consequences. A fire, storm, water damage, or another unforeseen incident may make your property temporarily uninhabitable or unavailable for rent. In Ronald Domacassé 2 min read Which Insurance Policies Do You Need When Buying, Building, or Renovating a Home? Buying, building, or renovating a home is a significant milestone. If you are financing your property with a mortgage, your lender may require you to obtain certain insurance policies. These policies not only protect your home but also provide financial security for you and your family. Insurance Policies Commonly Required for a Mortgage Mortgage Protection Life Insurance Provides financial security for your beneficiaries by helping to cover all or part of the outstanding mor Ronald Domacassé 1 min read Living in the Caribbean: Curaçao, Aruba or Sint Maarten – Your Next Step Toward Property Ownership Dreaming of living or investing under the Caribbean sun? Owning a home in Curaçao, Aruba, or Sint Maarten is no longer just a dream for many people—it is an achievable next step. With the right financing and guidance, purchasing property in the Caribbean becomes clear, structured, and within reach. Explore Your Opportunities by Island Curaçao – stable and versatile Curaçao offers a solid and diverse real estate market. From modern apartments in Willemstad to spacious homes in Ronald Domacassé 2 min read

The Guardian Group Expert, Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Home is where the hearth is, and so much more. With Guardian Group's home insurances, it's doesn't matter whether you are a homeowner or a renter we've got you covered. Choose from different products for financial protection for damages to everthing in and outside of your home. Residential building The Guardian Group Home Insurance has very extensive coverage. This cover includes: Damage due to fire and any extinguishing activities Property damage from rain or flood Costs as a result of water pipe damage and costs of detecting the defect Damage from overvoltage/induction and lightning strike Costs for necessary replacement of locks after a break-in or attempted break-in Salvage costs (costs incurred by the insured, during or after a covered event, to prevent further damage) above the sum insured Accident coverage and death risk Free liability insurance for individuals Please note: a home insurance policy does not automatically include your household effects. Guardian Group has the household contents insurance for this. Do you want to know exactly what is covered or do you want a tailor-made policy? please contact us for more information. Household effects The Guardian Group home contents insurance covers your belongings in and around your home against the financial consequences of theft and damage due to, among other things: Fire and any related extinguishing activities Water loss due to damage to the water supply Theft Guardian Group also covers salvage costs, among other things. These are costs above the insured sum that the insured incurs during or after a covered event to prevent further damage. Do you want to know exactly what's covered, a quotation or need assistant? Please feel free and contact us for more information. Select the island where you want to insure: Aruba | Bonaire | Curacao | St. Maarten

Take out travel insurance online or contact for advice. We represent Guardian Group Dutch Caribbean (Curacao, Bonaire, Aruba and St. Maarten). Travel Insurance Travel with peace of mind With Guardian Group travel insurance, you are fully protected worldwide during your holiday or business trip. Whether you are planning a short city break or a longer journey, you benefit from comprehensive coverage against unexpected events. This allows you to travel with complete peace of mind. Choose the travel insurance that suits you Short-term travel insurance - Ideal for a single holiday or business trip. Multi-trip travel insurance - The best choice if you travel several times per year. Multi-trip travel insurance business - specially designed for business owners and employees who travel regularly for work. What is covered? Depending on the selected coverage, you are insured for, among other things: Emergency medical expenses due to illness or accident Travel baggage Emergency dental treatment Personal accident coverage Damage to your accommodation Children covered Children up to 4 years old are covered free of charge Children aged 4 to 16 benefit from a reduced premium How to purchase your travel insurance You can easily purchase your travel insurance online or submit a request form for a non-binding quotation. We are happy to assist you in choosing the insurance that best fits your personal situation and travel plans. Select your island Aruba | Bonaire | Curacao | St. Maarten After your selection, you will remain within the online environment of Ronald Domacassé. Here you will be guided through your application and, if desired, receive personal advice. Contact Do you have any questions or need more information? Please feel free to contact us. We are happy to assist you.

For many property owners, a rental property is more than just real estate. It is a valuable investment and often an important source of income. Whether you rent your property short-term through Airbnb or another vacation rental platform, or long-term to a tenant or expatriate, an unexpected event can have significant financial consequences. A fire, storm, water damage, or another unforeseen incident may make your property temporarily uninhabitable or unavailable for rent. In such cases, the impact goes beyond the cost of repairing the property. Rental income may stop, while ongoing expenses such as mortgage payments, insurance premiums, property taxes, and maintenance costs continue. The Financial Impact Goes Beyond Property Damage When a rental property cannot be rented out, the financial consequences can be substantial. Cancelled reservations or a vacant property may result in lost rental income, while your financial obligations remain unchanged. Depending on the terms and conditions of your insurance policy, you may also have coverage for loss of rental income or other financial losses resulting from an insured event. It is therefore important to ensure that your insurance coverage reflects the way your property is used. Does Your Insurance Match Your Rental Activities? Not every insurance policy is automatically designed for rental properties. That is why it is advisable to review your coverage regularly and ensure it still meets your needs. Consider checking whether: Your rental activities comply with the terms and conditions of your insurance policy; The building, contents, and furnishings are adequately insured; You have liability coverage related to your rental activities; Your policy provides coverage for loss of rental income or business interruption resulting from an insured event. The scope of coverage varies between insurers and policies. A periodic review of your insurance can help prevent unexpected financial setbacks. Protect Your Investment and Your Income The right insurance does more than cover physical damage to your property. It can also help reduce the financial impact of an unexpected event, allowing you to resume your rental activities as quickly as possible. By ensuring your insurance is tailored to your rental situation, you protect not only your property and its contents, but also the continuity and profitability of your investment. We're Here to Help Do you own a rental property in Curaçao, Bonaire, Aruba, or Sint Maarten? Whether you rent it out on a short-term or long-term basis, we are happy to advise you on insurance solutions that suit your rental activities. Feel free to contact us for personal, no-obligation advice. Together, we can help protect your property, your investment, and your rental income.

Buying, building, or renovating a home is a significant milestone. If you are financing your property with a mortgage, your lender may require you to obtain certain insurance policies. These policies not only protect your home but also provide financial security for you and your family. Insurance Policies Commonly Required for a Mortgage Mortgage Protection Life Insurance Provides financial security for your beneficiaries by helping to cover all or part of the outstanding mortgage balance in the event of your death. Disability Income Insurance Protects your income if you become unable to work due to illness or an accident. This coverage is especially valuable for business owners, self-employed individuals, and independent professionals. Personal Accident Insurance Provides a lump-sum benefit in the event of permanent disability or death resulting from an accident. Contractors' All Risks (CAR) Insurance Provides coverage for damage to the construction project, building materials, and third-party liability during construction or renovation works. Homeowners (Building) Insurance Protects your home against damage caused by fire, storms, lightning, and other unforeseen events. Professional Advice The insurance you need depends on your personal circumstances, the type of property, and your mortgage lender's requirements. Professional insurance advice helps ensure you have the right protection in place and allows you to move forward with confidence. At Guardian Group, we are committed to helping you select the insurance solutions that best fit your mortgage and your individual needs. Our experienced advisors will guide you through every step of the process, giving you peace of mind as you invest in your home. Do you have questions about the insurance required for your mortgage? Contact Guardian Group today for personalized, professional advice.

Owning a home on one of the Caribbean islands or investing in real estate can be a dream come true. Whether you are purchasing a home for your own use, as a resident, a returning graduate, or an international investor, obtaining a mortgage in Aruba, Curaçao, or St. Maarten requires expert guidance. Ronald Domacassé supports you every step of the way, including arranging all the necessary insurance coverage, ensuring your investment is both financially sound and well protected. Why Invest in Caribbean Real Estate? The Caribbean islands offer exceptional opportunities for homeownership and real estate investment. With professional advice, you can make the most of local mortgage options while benefiting from a solid financial plan tailored to your personal circumstances and long-term goals. Mortgage Options When purchasing a home in Aruba, Curaçao, or St. Maarten, you can choose from two mortgage types: Annuity Mortgage Fixed monthly payments consisting of both principal and interest Ideal for buyers who value stability and predictable monthly expenses Interest-Only Mortgage with Life Insurance During the mortgage term, you pay interest only The outstanding loan balance is repaid at the end of the term through a life insurance policy Financing & Mortgage Conditions Mortgage financing of up to 100% of the property's value may be available Mortgage terms of up to 35 years Monthly mortgage payments are generally limited to 33% of your gross monthly income Interest rates starting from approximately 5.00%–5.25%, depending on the island and your individual financial profile With a partial personal contribution (down payment), higher financing may be possible through customized mortgage solutions Includes all essential insurance coverage: Life Insurance Personal Accident Insurance Homeowners (Building) Insurance Available for: Residents Returning graduates International investors With the right guidance and careful financial planning, owning your dream home in Aruba, Curaçao, or St. Maarten can become not only achievable, but also a secure and rewarding investment. Contact us today for personalized mortgage and insurance advice.