Contents only
₦2,200a month, from
- For renters and young families
- Appliances, furniture and clothes
- Power surge cover included
Age 35
Chapter: Own home, from age 35
Home and contents
The building you saved for and everything inside it, from the inverter and the deep freezer to the jewellery from your wedding, insured in one policy.
From ₦2,200 a monthexample
Why it matters here
Home cover for how life really works in the South West
In Ibadan most homes are built slowly and paid for in cash. A burst pipe, a burglary while you travel, or one power surge through the estate line can undo years of saving. We price for how people really live: generators, inverters, solar, boys quarters and all.
- 01
Fire, lightning and explosion
Including gas cylinder accidents and generator fires, the most common home claim we see.
- 02
Burglary and theft
Forced entry and theft by violence, with replacement of locks and burglary proofs.
- 03
Power surge damage
Televisions, fridges, inverters and solar controllers damaged by a surge on the public supply.
- 04
Flood and storm
Water damage, collapsed fences and roofs lifted in rainy season storms.
- 05
Alternative housing
Up to six months' rent if your home cannot be lived in after a covered event.
- 06
Public liability
Injury to visitors, house help or neighbours caused by your property, up to ₦20m.
Price your home cover
Example rates for this demo, not an offer. A person on the team checks every quote before cover starts.
Get my full quotePlans
Three ways to be covered
Prices are example monthly amounts from our rate card. Pay monthly, quarterly or yearly by card, transfer, direct debit or POS at any branch.
Most chosen
Building only
₦3,600a month, from
- For landlords and owners
- Structure, fences, gates and boys quarters
- Alternative housing for 6 months
Home complete
₦5,400a month, from
- Building and contents together
- Jewellery and phones away from home
- Public liability up to ₦20m
Claims
How a home claim moves
Every step shows in your account, with the name of the person handling it.
- Day 0
Tell us
Report by phone, WhatsApp or the claim form and send photos. Secure the property if it is safe to.
- Day 1
Loss adjuster
A loss adjuster visits within one working day in Oyo, Ogun, Osun and Lagos.
- Day 3
Emergency payment
For serious fires we pay up to ₦500,000 straight away for urgent needs.
- Day 10
Settlement
We agree the figure, then repair, replace or pay. Average for contents claims, example figure.
A surge took out our fridge, TV and the inverter in one night. The adjuster came on Monday and we had new ones before the weekend.
Honest limits
What this cover does not do
Read these before you buy. The full policy wording is in your account and at every branch.
- Gradual damp, termites and wear
- Buildings still under construction (ask for our builder's risk cover)
- Cash above ₦200,000 kept at home
Questions
Home cover, answered
My house is in a family compound. Can I still insure my flat?
Yes. You can insure your own flat and its contents, even if the land is held by the family.
Do you cover my solar panels and batteries?
Yes, as part of the building if they are fixed, including theft from the roof.
What if I rent out part of the house?
Tell us and we will include the rented flats. Tenants should insure their own contents.
Do I need a valuation?
For buildings above ₦150m we send a surveyor free of charge. Below that, your own estimate is fine.
Next on the timeline
People with this cover often add
Ready to cover your own home?
A quote takes two minutes, and a person on the team checks it before your cover starts.