It’s an insurance cover that protects your home and belongings from unexpected damage caused by fire and many other risks (called perils). These include things like accidental fire, explosions, storms, floods, lightning, vandalism, riots, smoke damage, burst water tanks, falling objects, and more. If it can seriously damage your home, we help you recover.

Buildings Cover

Ideal for homeowners or owner-occupiers.

We cover:

Damage to your home and its fixtures (walls, gates, patios, garages, carports, etc.) caused by fire or other perils.
The cost of temporary accommodation if your home becomes uninhabitable (up to 10% of your Sum Insured).
Loss of rent (up to 10% of your Sum Insured).
If you need more than 10%, you can add it to your cover.

Residential Contents Cover

Perfect for owners or tenants. We cover the items inside your home; furniture, electronics, décor, clothes, valuables, personal effects, and household goods. This also includes items in your domestic staff quarters or garage (just list them when taking the cover).

All Risks Cover (Portable Valuables)

This protects the items you carry with you, jewellery, watches, gadgets, photography gear, clothing, and luggage, against accidental loss or damage.

Unspecified items have a limit of Ushs. 500,000.
High-value items should be listed individually for full protection. Note: Wear and tear, breakdowns, insect damage, or theft by a household member are not covered.

Domestic Employees Cover (Workmen’s Compensation)

Covers your domestic staff, househelps, guards, cooks, gardeners, and drivers, if they get injured, fall ill, or die while working for you. We cover:

Death
Medical expenses
Funeral expenses
Temporary or permanent disability This is also a legal requirement under the Workmen’s Compensation Act

Owners’ Liability

Protects you as the homeowner if a visitor or any third party (non-household member) is accidentally injured or their property is damaged while on your premises. If they sue you, we cover the legal costs and compensation. This protection continues for your family or personal representatives even after your passing.

Occupier’s & Personal Liability

Protects you as the resident (whether you own or rent the home). We cover you if a third party is accidentally injured or their property is damaged because of something that happens at you residence or due to your household’s actions This cover also continues for your family or representatives if you pass away.