Home Insurance

When it comes to protecting one of your most important investments—your home—it’s essential to have a clear understanding of home insurance and how it can safeguard you against unforeseen incidents. In Uganda, where property ownership and protection are important, getting the right home and contents insurance policy is crucial.

To help you in making an informed choice about your requirements for house insurance, we will describe home insurance for Ugandan homeowners and provide you an insight into the policy coverage.

What is Home Insurance?

Home insurance, also known as home owner insurance or domestic package insurance, is a form of property insurance designed to protect an individual’s home against damage to the house itself, or to the possessions in the home. Home insurance also provides liability coverage against accidents in the home or on the property.

With a proper home insurance policy, homeowners can have peace of mind knowing that their investment is protected.

What Does Home Insurance Cover?

Understanding the extent of house insurance coverage is very important when selecting a home insurance policy.

Are you looking for comprehensive and reliable house insurance in Uganda? Look no further, the GoldStar Home Insurance Policy is just what you need.

Buildings And Structures

Our house insurance coverage extends not just to your main building, but also to garages, domestic outbuildings, fences, walls or gates, and even your garden, swimming pools, ponds, fountains, terraces and patios.

Fire, Theft Or Flooding

Worried about unforeseen loss or damage caused by fire, theft, or flooding? We got you covered!

Our home and building insurance policy also protects your valuable contents, including furniture, fixtures, fittings, and personal items such as laptops, phones, and jewellery.

Items Temporarily Outside Home

And the best part, this homeowners insurance cover is not limited to your home only, it extends to your items temporarily taken outside the home or even worldwide.

Replacements

With GoldStar, you can rest easy knowing that you will receive new for old replacements. If your belongings get damaged or destroyed, we’ll replace them with new ones, or assist you with restorations, repairs or provide payment so you can choose your own replacements.

Cash

Additionally, our house insurance policy includes coverage for personal cash up to a specified limit – this includes travel tickets, gift vouchers and phone cards.

Domestic Employees

We also cover your legal liabilities under the Workers’ Compensation Act for accidental death or bodily injury sustained by your domestic employees in the course of duty.

Public Liability Cover

And finally, our Public Liability cover protects you from legal liabilities for injury or damage to third parties resulting from ownership or occupation of your residence.

With GoldStar you get the best home insurance policy coverage, giving you all-round protection.

GoldStar's Home Insurance Optional Add-On

GoldStar offers a unique add-on to our homeowners policy.

Political Violence And Terrorosm

Imagine having the peace of mind knowing that your home is protected against the consequences of political violence and terrorism.

At an additional cost, you can add this coverage to your policy, ensuring that no matter what happens, your home, which is your life’s investment, is well-protected.

Choose GoldStar's Home Insurance

Protecting your home in Uganda doesn’t have to be complicated. With the right information and a clear understanding of your insurance needs, you can secure a home insurance policy that offers robust protection for your property and possessions.

Remember, investing in GoldStar’s comprehensive home insurance cover is not just about fulfilling a financial obligation—it’s about ensuring your home, which embodies your hard work and dreams, is well-protected against the uncertainties of life.

Choose GoldStar Insurance, one of the top rated home insurance companies in Uganda.

In order to make an informed decision about choosing GoldStar’s Home Insurance, have a look at the Key Considerations to think about and the Exclusions that apply to this insurance policy.

Other types of insurance cover

Group Personal Accident

Group Personal Accident policy that protects the insured’s throughout the day, even during the course of employment.

Motor Cycle Insurance

We offer a range of options on Comprehensive Private Motor Cycle insurance so you can customize it to your individual needs.

Car insurance

Car insurance protects your vehicle from unforeseen risks and provides protection against the losses incurred.

FAQ’s

How do I cover items that I take away from the home?

You will need contents insurance, sometimes known as all risk cover, for items for which you require cover out with the home. Please provide details of these items at the time of quotation to ensure that the policy provided meets with your requirements.

What is accidental damage cover?

Accidental Damage cover provides protection against costs incurred through damage that you, your family members or visitors may cause to the structure of your Building or to your Contents. Examples of incidents which would be covered under this extension include putting your foot through the loft floor damaging the ceiling below, leaving a tap running leading to water damage or carpet spillages. Such incidents would not be included under a policy taken out to cover Standard Perils only.

Additional charges will apply and in certain circumstances this cover might not be available.

Are items in my garage or shed covered?

Items kept in the garage or garden sheds will be covered under the Contents section of your policy provided you have included their value in the total sum insured declared. Limits may apply to the amount that can be claimed for theft of items taken from outbuildings and additional charges may be made for certain items such as ride on mowers. Cover for motor vehicles and motorcycles is excluded. Please declare your requirements for cover kept in outbuildings at the time of quotation to ensure that the policy provided meets with your requirements.

I live in rental accommodation. Do I still need insurance?

In most cases you will need to arrange cover for your own contents and personal possessions. Please refer to your tenancy agreement to check what, if any cover is provided by your landlord.

What is an excess?

An excess is the amount a policyholder is required to pay towards the cost of any claim. You may be asked to pay this amount to a company that has carried out repairs on behalf of your insurer, or alternatively the sum will be deducted from any settlement received.

Tips:

Goldstar claim process

No matter what your worry is, we’re here to help explain the process, assess your claim fairly and minimize the disruption to you with a transparent claims process.

Contact Us

Plot 38 Kampala Road, Crane Chambers, Kampala

+256 41 4250110

marketing@goldstarinsurance.com