House and home insurance in Nigeria
Cover your building, your contents and your valuables, in one place. See what it costs and insure only what you choose.
A home is usually the most valuable thing a family owns, and the contents inside it add up to more than most people realise. Home cover protects both.
What a home needs
- Fire and special perils for the building and its contents against fire, lightning, storm and similar events
- Burglary and housebreaking for theft from the premises
- All-risks for portable valuables, phones, laptops, jewellery, that travel with you
Most homes need a combination, which is why bundling them into a single policy, one renewal, one document, is common and usually saves around 10% on your first cover.
How much does it cost?
Premium is a percentage of the value insured. Contents cover is often under 1% of the sum insured a year, so 5 million naira of contents might cost in the region of 40,000 to 60,000 naira. Your exact figure depends on the underwriter and the risk; Cova quotes it before you pay.
Insure the right amount
Insure on replacement cost, what it costs to rebuild or rebuy today. Underinsurance triggers the average clause, which scales a claim down. Logging your home's contents accurately is the way to get this right; our home inventory guide walks you through it.
Start free
Log your home and its contents for free to see your full exposure, then insure what you choose, when you are ready. Just talk to Cova.
Cover it in minutes, not days
Log what you own, get a quote from a licensed underwriter, and pay in the app.
Insure my homeRead next
All resources
What is VaultCova, and why we built it
VaultCova helps people and businesses in Nigeria log, value and insure what they own. Here is the problem we set out to solve, and why it matters.
Why a Home Inventory Is the Best Thing You Can Do This Weekend
A home inventory takes one weekend and protects you for years. Here is why it matters in Nigeria, how to do it in two short sessions, and how it makes any future claim far smoother.
Insuring a Small Shop in Nigeria: Fire, Theft and Stock in One Policy
A small shop faces fire, break-ins, power surges and flooding every season. Here is how to combine stock, fittings, equipment and cash into one sensible policy, and how to avoid being underinsured.