Home Insurance
Home Insurance
Losing your home and contents to fire, flood, burglary or any other equally disastrous event is bad enough, but finding out you don’t have an insurance would be much devastating!
The good news is, there are types of home insurance policies you can select to suit your budget and the level of cover you desire. These include:
Building Insurance
Content Insurance
Building & Content Insurance
Comprehensive Home Insurance
This policy is designed to cover all accidents that are likely to occur in the home. The Comprehensive Home Insurance policy provides the following main covers:
- It covers your building against Loss or damage caused by perils such as fire, explosion, lightning, storm, hurricane, tornado, flooding, earthquake, volcanic eruption, bursting or overflowing of water tanks and many more.
- It covers your contents against the above perils as well as burglary excluding theft.
- It provides public liability cover for injury or damage to third party property.
- It provides cover for personal accident to the household.
- It covers your actual cost of renting an alternatively reasonable accommodation following an accidental damage to the building for the period necessary for reinstatement (maximum 12 months) for an amount not exceeding ten percent of the full value of the property per annum or the proportionate part thereof monthly.
Frequently Asked Questions
Our links with the top insurers in the country help us get multiple quotes for comparison within minutes. We actually do these at no cost to you. Just place a call to us now.
How to choose the best insurance plan
1. First, understand your requirements (future financial needs, your child’s education, marriage, or some other requirement).
2. Second, calculate how much premium you can pay every month or quarterly or half-yearly or annually.
3. See what benefits the Plan gives (each insurance company gives different benefits, so compare).
4. Decide on the tenure of the Plan.
5. See whether it is value for your hard earned money.
6. Decide the Sum Assured, the more the sum assured, the more the benefits.
7. Read the Terms and Conditions of the Plan.
8. Find out how prompt the insurance company is in settlement of claims for the plan.
What is insurance excess / deductible?
An example; If a motorist had a car insurance policy that has a policy excess of 10% and files in a claim for damage to his/her vehicle amounting to GH¢10,000, he/she would have to cover the first GH¢1,000 (ie.10% of the claim amount), with the insurer covering the remaining GH¢9,000.
It is possible to opt for zero excess or buy the excess off…however; the insurer has the prerogative in accepting or even increase it depending on the risk in question.
What is an insurance policy?
What is a quote?
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Finding the right level of cover at the right price can be both tricky and time-consuming…. that’s why we do the leg work for you by gathering your requirements and subsequently comparing a list of leading insurers on price and cover; so we could constantly choose the best for you!.