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 expert, personalised advice on insurance, mortgages and pension planning. With years of experience and in-depth knowledge of the local market, we offer tailored solutions to meet your personal and business needs. Whether you want to protect your assets, finance your home or build a secure financial future, we are here to guide you in making the right decisions. Have questions or need personal advise? Contact us via WhatsApp or simply fill out our contact form . We are happy to assist you and help you find the right solution. AUTO TRAVEL HOME HEALTH 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. What is insured? Life insurance pays out an amount in the event of your death. This could be the amount you owe a lender, for example for the mortgage on your home or the loan for your car. You can also insure yourself against the financial consequences if you have your own business and die. In addition, the insurance is often taken out for life to pay for a funeral. Which insurance is right for me? The term life insurance comes in various forms that offer the perfect solution for different situations. Which insurance is best and in what form depends on the cover you want. Duration of the insurance Guardian Group's death insurance can be taken out for a lifetime. The insured amount will be paid out upon your death. You can also opt for term life insurance. This insurance pays out the insured amount if you die before the end date of the insurance. Insured amount You determine the amount of the insured amount that will be paid out in the event of your death. The amount can remain the same during the term or decrease during the term. Cover extra risk There are numerous situations where the ability to pay the premium for your term life insurance is compromised. Incapacity for work and sudden unemployment are the two most obvious reasons.

Ronald Domacassé advise and intermediate in insurance, pension and mortgage businesses on the Islands of Curacao, Bonaire, Aruba and St. Maarten. Car Insurance Drive with peace of mind Accidents can happen when you least expect them. With car insurance from Guardian Group, you are well protected against unexpected events on the road. Whether you choose the legally required Third-Party Liability (TPL) coverage or comprehensive insurance, you can drive with confidence. Choose the car insurance that suits you Third-Party Liability (TPL) Third-Party Liability insurance is legally required and covers damage you cause with your vehicle to other people or third-party property. TPL Plus Suitable for cars that are too old for comprehensive coverage but require more protection than TPL alone. In addition to TPL coverage, you are covered for events such as theft or attempted theft, fire and explosion. Roadside assistance is also included. TPL + Comprehensive (All Risk) The most extensive coverage. In addition to everything covered under TPL and TPL Plus, you are also insured against damage to your own vehicle, for example as a result of a collision, storm, vandalism, theft, fire or explosion. Roadside assistance is also included. Additional benefits New Value Protection For cars up to 3 years old, Guardian Group offers an attractive New Value Protection benefit. If your car is declared a total loss, you will receive the new value of your vehicle. With comprehensive insurance, you also benefit from: No deductible for covered comprehensive claims. Protection of your no-claim discount if you are hit by an uninsured driver or involved in a hit-and-run accident. Personal Accident Insurance for Occupants (PAO) An accident can cause more than just damage to your vehicle. With Personal Accident Insurance for Occupants, the driver and passengers are insured, up to the insured amount, in the event of permanent disability or death resulting from a traffic accident. Special benefits for drivers aged 50+ Are you 50 or older? You can benefit from attractive car insurance with additional advantages, including: Comprehensive coverage at a competitive premium. Faster accumulation of your no-claim discount when driving claim-free. No-claim protection when you have built up a high discount. No deductible for comprehensive claims. Roadside assistance. Motorcycle Insurance Guardian Group also provides insurance for two-wheelers and other special vehicles. We insure, among others: Motor scooters Motorcycles Trikes Quads Contact Would you like to know exactly what is covered and which coverage best suits your situation? Contact us for personal advice or fill out our form to request a suitable premium indication .

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 peaceful residential areas, the island provides excellent options for both living and long-term investment. Aruba – stable and in demand Aruba is known for its strong international appeal and consistently high demand for quality housing. This makes it highly attractive for both private residence and rental investment opportunities. Sint Maarten – dynamic and opportunity-driven Sint Maarten combines lifestyle, tourism, and investment potential. With its vibrant economy and strong international visitor flow, the island offers excellent opportunities for real estate growth and returns. Financing and Full Support You Can Rely On Buying property in the Caribbean requires the right structure and professional guidance. Guardian Group Caribbean supports you with: Mortgage and financing solutions Property and investment insurance Personal guidance throughout the entire process Ronald Domacassé provides dedicated support from the first consultation to final ownership, ensuring a smooth and confident journey. Why Invest Now? The Caribbean real estate market continues to attract strong interest due to: Stable housing demand Growing international attention Strong tourism-driven rental opportunities These factors make the current market highly attractive for both homebuyers and investors. Take the Next Step Today Curious about your opportunities in Curaçao, Aruba, or Sint Maarten?With the right financing and expert guidance, your Caribbean property is closer than you think.

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.