The Instituto Nacional de Seguros has created a special, low-cost fire insurance for low-income residents. For example, a family can obtain 3 million colons ($6,000) coverage on a home and 750,000-colon ($1,500) coverage on contents for just 444 colons (89 U.S. cents) a month.
Coverage of 25 million colons (about $50,000) on a home and 6.3 million colons ($12,500) on contents is available for 789 colons ($1.68) a month, the former insurance monopoly said.
These types of homes, probably built with spare lumber and with sheet metal roofs are the ones that frequently are involved in fires due to the creative types of electrical wiring.
When a fire does break out, these types of homes burn rapidly, and the fire spreads to neighboring dwellings.
Such was the case Sunday morning in San Antonio de Escazú when fire broke out in a small store. Eventually the flames took three adjacent homes, and the residents were left in the street with only the possessions they could carry out.