Your Property Is Valuable. Protect What You Have Worked Hard to Build.

Imagine investing your life savings in a house, apartment, commercial building or rental property, only for an unexpected fire, flood, storm or other disaster to cause significant damage.

Without appropriate insurance protection, the financial consequences could be devastating.

Whether you are a homeowner, landlord, property developer, commercial property owner or real estate investor, property insurance should be an important part of your investment protection strategy.

WHAT IS PROPERTY INSURANCE ? 

Property insurance is a financial protection arrangement under which an insurer provides agreed cover against specified risks affecting insured buildings, contents or other property interests, subject to the policy's terms, conditions, exclusions and limits. 

Depending on the policy, protection may include:

1 Fire and lightning damage.

2 Flood and certain water-related damage.

3 Storm and wind damage.

4 Explosion damage.

5 Burglary and theft of insured contents.

6 Impact damage.

7 Certain accidental damage.

8 Loss of rental income, where specifically covered.

Important: Not every policy automatically covers all these risks. Always check the actual policy wording.

TYPES OF PROPERTY INSURANCE TO CONSIDER IN GHANA

Residential Building Insurance

Protects qualifying residential buildings against insured risks such as fire and other specified perils.

Commercial Property Insurance

Provides protection for qualifying commercial buildings, offices, shops, warehouses and business premises.

Household Contents Insurance

Covers eligible household belongings, furniture, appliances and personal possessions against specified insured events.

Landlord Property Insurance

Can provide building protection and, where selected, additional cover relating to rental properties and landlord liabilities.

Construction and Contractors' All Risks Insurance

Can protect construction projects against specified physical loss or damage during the construction period, subject to policy conditions.

Loss of Rent and Business Interruption Cover

Can provide financial protection against qualifying rental income losses or business interruption following insured damage, where included in the policy.