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.
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.
Specialist Compulsory Insurance in Nigeria: Petrol Stations, Containers and Other High-Risk Businesses
Beyond motor third party and workers' cover, some businesses face extra insurance requirements from regulators, ports and landlords. Here is how it works for petrol stations, containers and other high-risk operations.
Compulsory Insurance in Nigeria Under the NIIRA Act 2025: What Is Mandatory and What Is Not
The Nigerian Insurance Industry Reform Act (NIIRA) 2025 reshaped the sector. Here is a plain guide to which covers are compulsory in Nigeria, who must buy them, and which important risks are still your own choice.
What Happens to Your Insurance Cover When You Move House in Nigeria?
Moving is one of the riskiest moments for your belongings, and your cover may not follow you automatically. Learn what to tell your underwriter, how to protect items in transit, and how to update your vault.
What to Do in the First Hour After a Burglary in Nigeria
A burglary is stressful, and what you do in the first hour affects your safety, the police investigation and any insurance claim. Here is a calm, practical checklist for Nigerian homes and shops.
How Often Should You Update the Value of What You Own?
With replacement costs rising, a sum insured that was right last year may now be too low. Here is how often to review your values, what triggers an update, and how to do it quickly.
How to Lower Your Insurance Premium in Nigeria Without Cutting Your Cover
Want to pay less for insurance without leaving gaps? Here are practical ways Nigerians can reduce premiums, from choosing the right excess to improving security, while keeping enough cover to be paid in full.
Marine Hull Insurance vs P&I: What Is the Difference?
If you own or run a vessel in Nigeria, hull cover and P&I cover solve different problems. Here is a plain explanation of what each one actually protects.
Buildings vs Contents Insurance: What Is the Difference?
Many Nigerians assume one policy covers everything about their home. Here is the real difference between buildings and contents insurance, and why you may need both.
How to Insure Your Camera and Creative Gear in Nigeria
Photographers, videographers and content creators often carry tens of thousands of naira in gear with no cover at all. Here is how to insure cameras, lenses and accessories properly.
How to Photograph and Document Your Valuables for a Claim
A simple, practical guide to photographing and recording your belongings the right way, so a claim after theft, fire or flood is fast and stress-free.
What Is All-Risks Cover, and What Does It Not Cover?
All-risks cover sounds like it protects against everything, but no policy does. Here is what all-risks really means in Nigeria, what it typically excludes, and how to check before you need it.
How to Insure Your TV and Home Electronics in Nigeria
TVs, sound systems and smart devices are expensive to replace and easy to lose to power surges, theft or fire. Here is how to get them properly covered.
Do You Need a Police Report to Claim for Theft in Nigeria?
Yes, almost always. Here is why underwriters ask for a police report after theft or burglary, how to get one quickly in Nigeria, and what to do if you cannot obtain one.
How to Insure Your Business Stock and Inventory in Nigeria
A practical guide for shop owners, traders and small manufacturers on insuring stock and inventory against fire, theft and flood, and getting a fair payout when it matters.
We are now 18 strong and growing!
From simple gadgets like phones to cars, large equipment and buildings, etc., you can now log, track and get them protected in less than a minute. That was our dream. It should be easy!
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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