Fire and property
Your home, your shop, your generator too.
Buildings and contents cover against fire, flood, burglary, storms and power surges. For homeowners, landlords, tenants and commercial property owners.
- Inverters and solar included
- Flood cover available
- Landlord and tenant options
At a glance
The essentials.
Example details for this demo.
Sum insured
Are you insuring for the right amount?
Most underinsured homes in Nigeria are insured for what they cost to buy, not what they cost to rebuild today. Building costs have risen sharply, so check your figure every year. Underinsurance means the insurer pays only a share of any claim.
- Insure the rebuild cost, not the market price
- Include fences, gatehouse and boreholes
- List generators, inverters and solar separately
- Review every renewal
Example rates for this demo: 0.15% of buildings and 0.5% of contents.
Cover in real life
What it looks like when it works.
If you need to claim
We handle the insurer for you.
- 1
Tell us what happened
Call, WhatsApp or use the claim form within 48 hours. A named claims handler is assigned the same day.
- 2
Send photos and papers
Photos of the damage, a police report if needed, receipts or medical bills. Upload from your phone.
- 3
Assessment
The insurer's loss adjuster inspects, often within three working days in Lagos and Abuja. We attend with you.
- 4
Settlement
You sign the discharge voucher and payment goes to you or the repairer by bank transfer.
FAQ
Common questions
On most home policies it can be added. In flood prone areas such as parts of Lekki and Ajah, insurers may ask about drainage and past flooding first.
Yes, as contents, against fire, theft and power surge. Mechanical breakdown needs separate engineering cover.
Your belongings: furniture, electronics, clothes and your generator or inverter if you own them. The landlord insures the building.
For certain public and commercial buildings, yes. Many lenders also require it on mortgaged property. We can tell you what applies.
Ready when you are.
Get an example price in two minutes, then a broker checks it with our partner insurers and calls you back.