Rwanda · InsuranceHomeInsurance
Kigali's new builds. Nyarutarama villas. Gacuriro estates. From RWF 120,000/yr.
Trusted Cover
Rwanda · Acentria
About This Cover
Why Home Insurance?
Kigali's property market is one of Africa's most dynamic — Nyarutarama, Kibagabaga, and Gacuriro are seeing rapid residential development at prices above USD 100,000 per unit. Rwanda's strict urban planning standards mean new builds are well-constructed — but risks remain: theft, electrical fires, storm damage during the long rains, and water damage. Acentria Rwanda Home Insurance protects Kigali's growing property-owning class with clear, transparent policies.
"Kigali's new builds. Nyarutarama villas. Gacuriro estates. From RWF 120,000/yr."
Coverage Details
What's Covered
Home Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Buildings cover — structure, walls, roof, permanent fixtures
Contents cover — furniture, electronics, clothing, personal items
Fire, lightning, and explosion
Theft and burglary (with or without forced entry)
Flood, storm, and burst pipes
Accidental damage to fixed glass
Employer liability for domestic staff
Temporary accommodation (up to 6 months) if home is uninhabitable
All-risks extension — valuables covered anywhere in Kenya
New-for-old replacement (no depreciation)
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Home Owner Cover
Full buildings and contents cover for Rwanda's homeowners. Covers structure, contents, new-for-old replacement, and liability.
- Buildings structure
- Contents & valuables
- New-for-old replacement
- Fire, theft & storm
- Domestic employer liability
Tenant Cover
Contents-only cover for renters in Kigali's growing apartment market — Remera, Kimironko, and Gikondo.
- Contents & electronics
- Theft and burglary
- Fire and water damage
- Personal liability
Why Acentria
Why Choose Us
Kigali Property Expertise
Rwanda's urban planning rules mean many properties have specific structural characteristics. Our underwriters understand Kigali's new residential zones and price cover accurately.
New-for-Old at Current Market Prices
Imported electronics and appliances carry premium prices in Kigali. We replace stolen or damaged items at their current Kigali replacement cost — not depreciated values.
BNR Regulated — No Surprises
BNR-regulated policies come with standardised terms and anti-exclusion protections. We disclose all exclusions clearly at the point of sale — Rwanda's regulatory standards protect you.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Comprehensive Write-Off
Kigali Business Owner
A Kigali business owner's vehicle was written off in an accident days before a major regional conference. Acentria fast-tracked the claims assessment and secured the full agreed-value payout within 8 working days. The client purchased a replacement vehicle in time for the conference without business disruption.
Amount Paid
RWF 4,500,000
Settlement
8 days
Health — Emergency Surgery
Kigali Professional
A Kigali-based professional required emergency surgery at King Faisal Hospital. Acentria pre-authorised the procedure on the same day as the specialist's referral. Direct billing was activated, the client paid nothing upfront, and was discharged within 2 days with all costs fully settled by the insurer.
Amount Paid
RWF 2,800,000
Settlement
2 days
MICE — Event Cancellation
Kigali Event Organiser
A Kigali-based event organiser was forced to cancel a major conference when the contracted venue suffered a plumbing emergency 72 hours before the event. Acentria's event cancellation policy covered venue penalties, catering cancellation fees, and delegate travel costs in full. The complete settlement of RWF 18 million was paid within 12 working days.
Amount Paid
RWF 18,000,000
Settlement
12 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Acentria's motor insurance claim was processed in under 24 hours. Their team guided me through every step — truly outstanding service.
David Mwangi
Fleet Manager, Transline Group
Our company has relied on Acentria for group life and health cover for three years. They understand the African insurance landscape better than anyone.
Grace Kamau
Head of HR, Safaricom PLC
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Nairobi
Westlands Road, Westlands, Nairobi
Dar es Salaam
Ohio Street, CBD, Dar es Salaam
Lusaka
Cairo Road, City Centre, Lusaka
Kampala
Plot 1, Parliament Avenue, Kampala
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Home Insurance.
Speak with one of our Rwanda specialists today and get a personalised solution within 24 hours.
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