Everything you need to protect what you own
Guides, insights and answers on logging your assets, understanding their real value, and insuring them the simple way. Written for people and businesses in Nigeria.
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.
Insuring Your Belongings as a Tenant or Renter in Nigeria
Your landlord's building cover does not protect your TV, laptop or clothes. Here is how renters in Nigeria can cover their own belongings, simply and affordably.
What is e-inventory? Do I need an asset register?
A digital record of what you own does more than help you get insured. It can support loan applications, visa proof of funds, business valuations and family planning. Here is why every Nigerian should have one.
Jewellery Insurance in Nigeria: What You Need to Know
Gold and diamond prices keep climbing and so do replacement costs. Here is how to properly value, document and insure your jewellery in Nigeria before something goes wrong.
How to File an Insurance Claim in Nigeria: A Step-by-Step Guide
A clear, practical walkthrough of how to file an insurance claim in Nigeria, from the first phone call to getting paid, with the documents and timelines you need to know.
Flooding in Nigeria: How to Watch the Warnings, Prepare Your Home and Protect What You Own
Flooding is one of the most predictable disasters in Nigeria, yet it still catches households and small businesses off guard. Here is how to track the warnings, prepare your property and make sure your belongings are actually covered.
What is an Insurance Excess and How Does It Work?
The excess is the part of a claim you pay yourself before cover kicks in. Here is how it works in Nigeria, why it exists, and how to choose the right one.
The Average Clause Explained: Why Underinsurance Cuts Your Payout
If you insure your property for less than its real replacement value, the average clause can reduce your claim payout by the same percentage you are underinsured. Here is how it works and how to avoid it.
How to Insure Your Generator in Nigeria
Generators are some of the most expensive things Nigerian homes and businesses own, yet they are rarely insured properly. Here is how to log, value and cover yours.
Home insurance in Nigeria: your questions answered
How much it costs, what it covers, what documents you need, and how claims are paid. The common questions, answered up front.
How to keep an inventory of household items
A home inventory is your emergency asset register: what you own, what it is worth, and the proof to back a claim.
Why receipts matter, and how to prove ownership after a loss
The difference between a paid claim and a rejected one is usually proof. Here is what to keep, and how.
How to value your assets for insurance
Insure on what it costs to replace, keep the values current, and let nothing valuable go unlogged. A short, practical method.
Replacement value vs market value: what is the difference?
One is what it costs to buy a new one today; the other is what your used item would fetch. Insuring on the wrong one leaves you short.
Does insurance cover theft?
Often yes, but it depends on the class of cover and the conditions in the wording. Here is what actually pays out.
What is comprehensive insurance?
Comprehensive means the widest cover a policy offers, including your own losses, not just damage you cause to others.
How to insure your laptop in Nigeria
Laptops are dropped, stolen and spilled on more than any other gadget. Portable all-risks cover follows yours everywhere.
How to insure your phone in Nigeria
A phone is the easiest thing to lose and one of the most expensive to replace. Here is how to cover yours in minutes.
Start with what you own
Log it, value it, and insure it in minutes. Just talk to Cova.
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