Home insurance checklist
Short answerChecked 23 September 2026
Print it or keep it on your phone, and go through it with the insurer or broker before you pay. Each point links to the rules for your country below.
- The building is insured at rebuilding cost, not market price.
- Contents are listed, with any single-item limit.
- Phones, laptops and jewellery away from home are added if you need them.
- Fire, storm, flood and burglary are covered — check the conditions for burglary.
- Domestic workers are covered if you employ any.
- You know the excess.
- You know the claim deadline and where to complain.
The rules in your country
- Home insurance in Kenya: what a domestic package covers and who sells itKenya
- Home and property insurance in UgandaUganda
- Home and property insurance in TanzaniaTanzania
- Home insurance in South Africa: buildings, household contents and your bondSouth Africa
- Home and property insurance in BotswanaBotswana
- Home and building insurance in Ghana: household cover and the compulsory commercial building insuranceGhana
- Home insurance in Malawi: buildings, contents and householders' coverMalawi
- Home and property insurance in NamibiaNamibia
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- Health insurance checklist: 10 questions before you sign
- Life insurance checklist
- Business insurance checklist
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