Uganda · InsuranceHomeInsurance
Kampala floods. Burglary in Kololo. From UGX 180,000/yr.
Trusted Cover
Uganda · Acentria
About This Cover
Why Home Insurance?
Kampala's flooding during the April and October rains has damaged thousands of homes in Ntinda, Kyambogo, and Bweyogerere. Burglaries in residential suburbs cost families millions in losses. Yet home insurance penetration in Uganda is below 3%. Acentria Uganda Home Insurance protects your most valuable asset — your home — with straightforward policies, new-for-old replacement, and claims assessed within 5 working days.
"Kampala floods. Burglary in Kololo. From UGX 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
Full buildings and contents cover for homeowners across Kampala and Uganda. Includes flood, burglary, and new-for-old replacement.
- Buildings structure
- Contents & valuables
- New-for-old replacement
- Flood & storm cover
- Domestic employer liability
Tenant Cover
Contents-only cover for renters in Kampala, Entebbe, Jinja, and beyond. Protects your electronics, furniture, and personal belongings.
- Contents & electronics
- Theft and burglary
- Fire and flood
- Personal liability
Why Acentria
Why Choose Us
Flood-Aware Cover
Kampala's drainage challenges mean flooding is a real annual risk in many suburbs. Our policies cover storm and flash-flood damage — no 'act of God' exclusions hidden in the fine print.
New-for-Old Replacement
We replace stolen or damaged items at today's purchase price — no depreciation deductions. Your UGX 2,000,000 TV is replaced at its current replacement value.
5-Day Claims Decision
Our surveyor network covers Kampala, Entebbe, Jinja, and major urban centres. Most home claims are assessed and decided within 5 working days.
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.
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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.
Motor — Boda-Boda Accident
Boda-Boda Operator
A Kampala boda-boda operator was involved in an accident resulting in a passenger injury claim. Acentria managed the third-party medical and compensation process end to end. Full settlement was paid via MTN Mobile Money within 7 working days — keeping the operator compliant and financially protected.
Amount Paid
UGX 12,000,000
Settlement
7 days
Health — Emergency Surgery
Corporate Group Member
A Kampala-based corporate group member required emergency surgery at International Hospital Kampala (IHK). Acentria pre-authorised the procedure on the same day as notification. The full hospital bill was settled via direct billing — the client was discharged in 3 days without having handled a single invoice.
Amount Paid
UGX 45,000,000
Settlement
3 days
Fire — Commercial Property
Nakasero Retailer
An electrical fault caused a fire that destroyed the stock of a Nakasero retail business. Acentria appointed a surveyor within 24 hours and negotiated the full stock valuation with the insurer. The complete replacement value of UGX 180 million was paid within 21 working days, enabling the business to restock and reopen.
Amount Paid
UGX 180,000,000
Settlement
21 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
From policy issuance to claims support, the Uganda team at Acentria has been a reliable partner for our organisation for over five years.
Josephine Nakato
Procurement Manager, Uganda Development Corp.
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.
Kampala
Plot 1, Parliament Avenue, Kampala
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Home Insurance.
Speak with one of our Uganda specialists today and get a personalised solution within 24 hours.
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