Tanzania · InsuranceHomeInsurance
Dar es Salaam flooding. Coastal humidity. From TZS 180,000/yr.
Trusted Cover
Tanzania · Acentria
About This Cover
Why Home Insurance?
Tanzania's coastal cities — Dar es Salaam, Tanga, Zanzibar — face annual flooding from October–November short rains and March–May long rains, plus high humidity that accelerates damage to electronics and valuables. Burglaries in Kinondoni and Masaki neighbourhoods cost families millions of shillings. Acentria Tanzania Home Insurance covers your home with flood-aware underwriting and new-for-old replacement — so a single rain season doesn't set you back years.
"Dar es Salaam flooding. Coastal humidity. From TZS 180,000/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
Comprehensive protection for your buildings and contents against burglary, fire, flooding, and accidental damage.
- Buildings cover (fire, flood, storm damage)
- Contents cover (new-for-old replacement)
- Burglary and theft
- Accidental damage
- Temporary accommodation
- Personal liability
- Electronics and appliances included
Tenant Cover
Protects your personal contents and your liability as a tenant, without insuring the building itself.
- Personal contents (new-for-old)
- Theft and burglary
- Accidental damage to contents
- Personal liability to landlord
- Electronics and appliances
Why Acentria
Why Choose Us
Coastal & Flood-Aware Underwriting
We understand Tanzania's coastal exposure. Our policies are underwritten with Dar es Salaam's flood patterns in mind — no hidden exclusions that leave you uncovered when seasonal rains hit.
New-for-Old Replacement
Your stolen or damaged belongings are replaced at today's market price — not the depreciated value. Your 2-year-old TV is replaced with an equivalent new model.
5-Day Claims Decision
We aim to make a claims decision within 5 working days of receiving all documents. Our local loss adjusters in Dar es Salaam and Zanzibar mean fast assessment without waiting for mainland visits.
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.
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How Much Will It Cost?
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Indicative premiums — final pricing subject to underwriting
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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.
Marine Cargo — Port Damage
Dar es Salaam Importer
A Dar es Salaam importer suffered damage to a container during offloading at the Port of DSM. Acentria appointed a marine surveyor within 48 hours of notification and managed the full loss documentation. The complete cargo loss was settled within 15 working days — the client's trade operations were not materially disrupted.
Amount Paid
TZS 85,000,000
Settlement
15 days
Motor — Comprehensive Write-Off
Tourism Operator
An Arusha-based safari tourism operator's vehicle was written off following an accident on a game drive route. Acentria secured the agreed value payout under the comprehensive policy within 10 working days. The operator used the settlement to purchase a replacement vehicle before the next peak season.
Amount Paid
TZS 18,000,000
Settlement
10 days
Health — Critical Illness Surgery
Corporate Client
A Dar es Salaam corporate client required cardiac surgery at Aga Khan Hospital. Acentria pre-authorised the procedure within 2 hours of the specialist's referral. Direct billing was activated — the client paid nothing upfront and was discharged within 4 days, with the full surgical bill settled by the insurer.
Amount Paid
TZS 28,000,000
Settlement
4 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.
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Reinsurer
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Client Stories
Trusted by Thousands Across Africa
The actuarial team at Acentria delivered a comprehensive valuation report well ahead of schedule. Their rigour and communication are second to none.
Amina Hassan
Finance Director, TanzaniaInsure Ltd
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.
Dar es Salaam
Ohio Street, CBD, Dar es Salaam
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Secure What Matters Most. Let Acentria Tailor Your Home Insurance.
Speak with one of our Tanzania specialists today and get a personalised solution within 24 hours.
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