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Residential Buildings Protection
Covers the physical home building, including main structures, outbuildings, walls, gates, and landlord fixtures against fire and natural perils.
Solutions > Home & Contents (Fire & Allied Perils)
Home, Sweet, Covered – Domestic Package
Your home is your sanctuary, and it deserves the best protection. The APA Home & Contents Domestic Package is a combined home insurance policy that protects individuals against the various risks present in their private dwellings. By placin
All-in-One Protection
Secure your building structure, contents, staff, and liabilities under one policy
Flexible Customisation
Tailor sums insured and covers to fit tenants, landlords, and developers
What is APA Home & Contents Insurance?
Your home is your sanctuary, and it deserves the best protection. The APA Home & Contents Domestic Package is a combined home insurance policy that protects individuals against the various risks present in their private dwellings. By placing multiple covers under one policy — the building, household contents, all-risks for portable valuables, domestic employees, and occupier's liability — it provides convenient, budget-friendly security tailored for tenants, landlords, and owner-occupiers alike.
Highlights
- Building structure cover protecting against fire, storms, earthquakes, and impact.
- Contents insurance securing furniture, appliances, electronics, and clothing.
- Includes Workers' Compensation cover for domestic staff (helpers, guards, nannies).
- Owner's and occupier's public liability protection for visitor injury claims.
- Underwritten locally by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under Home & Contents (Fire & Allied Perils)?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Household Contents Cover
Protects household goods, furniture, electronics, appliances, and clothing inside the home from fire, natural disasters, and theft.
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Portable Valuables (All Risks)
Covers specified high-value portable items (e.g. mobile phones, laptops, jewelry, and cameras) against accidental loss or damage worldwide.
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Domestic Employees Liability
Covers medical costs, legal defense, and statutory compensation for your domestic staff (nannies, house helps, guards) for injury or death.
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Owner's & Occupier's Liability
Covers legal liability for accidental third-party bodily injury, death, or property damage claims filed by visitors to your home.
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Alternative Accommodation Cost
Reimburses alternative lodging costs or covers loss of rent if your home is rendered uninhabitable by a covered peril (like fire or storm).
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Burst Water Tanks & Pipes
Covers clean-up and repair costs resulting from water damage caused by burst plumbing pipes, heating systems, or storage tanks.
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Riot, Strike & Malicious Damage
Covers property damage resulting from riots, strikes, lock-outs, civil commotion, or malicious acts by third parties.
Eligibility & Documentation
Eligibility Criteria
Specifications
Principal & Property
Tenants, landlords, and developers of residential dwellings in Uganda.
Requirements
Completed proposal form, itemised contents list, and employee details.
Premium Base
Calculated per section on building, contents, and valuables sums insured.
Occupancy Terms
Claims are subject to occupancy limits (dwellings unoccupied > 30 days must notify).
How to Buy Home & Contents Cover?
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Submit your details and select your cover focus via the quote request form.
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Provide your itemised contents list and estimated building replacement values.
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Review the detailed premium quotation containing Uganda levies and stamp duty.
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Confirm your proposal details, complete premium payment, and secure your sanctuary.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
It is a combined home insurance policy that protects individuals against risks present in their private dwellings, covering the building, contents, portable valuables (All Risks), domestic employees, and owner's/occupier's liability under a single policy.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
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Health Insurance
Your Health, Our Priority
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Motor Insurance
Your Family Awaits, Drive Safely
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Life Insurance
Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
