Contents only
₦3,500
a month, ₦3m of contents
- For renters
- Burglary, fire and flood
- Power surge damage
- Phones and laptops away from home as an add-on
Bulwark Home insurance
Your home, your things, your peace of mind
Buildings and contents cover for owners, renters and landlords, with flood, burglary and power-surge damage included as standard.
Contentsfrom ₦3,500 a month
Buildingsfrom ₦6,300 a month
Claims line24 hours
Home insurance
What is covered
Burglary
Stolen items and damage to doors, burglar-proof bars and windows.
Flood and storm
Water damage to the building and your things, including blocked-drain floods.
Fire and explosion
Including fires that start from a generator or gas cylinder.
Power surge
Damage to fridges, televisions and air conditioners when the power returns too hard.
Liability
If a visitor is injured at your home, up to ₦10,000,000.
Somewhere to stay
Hotel or rented flat costs while your home is repaired after a covered loss.
Prices
Plans and example premiums
Three ways to buy. Every plan includes the 24-hour claims line and a named adviser.
Buildings and contents
₦9,800
a month, typical duplex
- For owners
- The structure and your things
- Alternative accommodation
- Liability to visitors
Landlord
₦7,200
a month, block of four flats
- Building cover
- Loss of rent up to 6 months
- Liability to tenants
- Malicious damage by tenants
Example premiums for this demo. A real premium depends on underwriting, and cover is always subject to the policy terms. We assess every claim against those terms and never promise a payout in advance.
Local know-how
Made for Lagos homes
We price flood risk street by street, so a flat on high ground in Yaba is not charged like a ground floor in a low-lying estate.
Power-surge cover is included, because the moment the grid comes back is when most fridges die.
Burglary claims need a police report, and we help you get one quickly from the nearest division.
Talk to an adviserStraight talk
What is not covered
We would rather you know now than find out on the day you claim.
- Damage that happens slowly, such as damp, rot or termites
- Theft with no sign of forced entry, unless by violence
- Homes left empty for more than 60 days without telling us
- Buildings under construction
This is a summary. The full list is in the policy wording, which we send before you pay.
Extras
Optional add-ons
| Add-on | Example price |
|---|---|
| Phones and laptops anywhere | ₦1,500 a month |
| Jewellery and aso-oke over ₦500,000 | ₦2,000 a month |
| Solar panels and inverter | ₦1,800 a month |
| Domestic staff injury | ₦1,200 a month |
Claims
If you need to claim
- 01
Report the loss on WhatsApp or the claims line within 7 days
- 02
Send photos, receipts if you have them, and a police report for theft
- 03
A loss adjuster visits for claims over ₦1,000,000
- 04
Settlement or repair is agreed against your policy terms
FAQ
Questions
Do I need receipts for everything?
No. Receipts help, but photos, bank statements and the boxes things came in all count as evidence.
Can a renter insure the building?
No, the building is the landlord's to insure. You can insure your contents and your liability.
Is my generator covered?
Yes, as part of your contents, including theft from a locked compound.
Keep exploring
Related cover
Price your home cover
Four steps and about two minutes. Pay the first month through Receivly if you are happy.