Concierge Network
Insurance
Independent advisors who insure your home, health, vehicle, and rental the right way.
Why This Matters Here
Costa Rica's insurance market combines the state institution (INS) with private carriers, and coverage that looks familiar on paper can behave differently here — especially around earthquake cover, rental liability, and medical networks. An independent advisor who works with multiple carriers, explains exclusions honestly, and advocates for you at claim time is worth far more than the small premium difference.
What We Look For Before Recommending Anyone
- Independent — quotes both INS and private carriers
- Explains exclusions and deductibles in plain English before you sign
- Experience insuring short-term rental properties and liability
- Helps file and fight claims, not just sell policies
- Reviews your coverage at every renewal instead of auto-rolling it
Our Recommendation
Insurance
Guanacaste Insurance Advisors
Huacas, Guanacaste
★★★★★4.9 (22 client reviews)Independent insurance advice — home, health, auto, and rental liability across carriers.
Good Questions To Ask Any Insurance Professional
- What does earthquake and flood cover actually look like for my property?
- If I rent my home short-term, what liability cover do I need?
- Which private health networks do you recommend at my age, and what do they exclude?
- Who do I call when I have a claim — you, or a call center?
Often Needed Together
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