Zambia · InsuranceHomeInsurance
Lusaka break-ins. Copperbelt flooding. From ZMW 4,000/yr.
Trusted Cover
Zambia · Acentria
About This Cover
Why Home Insurance?
Residential burglaries in Lusaka's Kabulonga and Woodlands suburbs average ZMW 15,000 in losses per incident. Copper price booms bring economic activity but also property risks — fires, floods, and theft. Acentria Zambia Home Insurance covers your buildings and contents with new-for-old replacement and 5-day claims decisions — because your home is your most valuable asset.
"Lusaka break-ins. Copperbelt flooding. From ZMW 4,000/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 buildings and contents against burglary, fire, flooding, and accidental damage.
- Buildings cover (fire, flood, structural damage)
- Contents cover (new-for-old replacement)
- Burglary and theft
- Accidental damage
- Temporary accommodation cover
- Personal liability
- Domestic employees cover optional
Tenant Cover
Covers your personal contents and liability as a tenant. Protects your belongings 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
New-for-Old Replacement
We replace stolen or damaged items at today's replacement value — not the depreciated price. Your 3-year-old laptop is replaced with an equivalent new model.
PIA Regulated — Claims Are Enforceable
Every home policy is placed with a PIA-licensed insurer. If your claim is valid, it is paid. Your cover is legally protected under Zambian insurance law.
Copperbelt & Lusaka Claims Network
Our loss adjusters operate in Lusaka, Kitwe, Ndola, Kabwe, and Livingstone. When you file a claim, a local assessor reaches you within 48 hours.
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.
Mining Equipment — Breakdown & Fire
Copperbelt Mining Support
A Copperbelt mining support company suffered a combined breakdown and fire incident involving a key excavator. Acentria mobilised a specialist engineering adjuster within 48 hours and coordinated the valuation and replacement process. Full replacement value was paid within 14 working days and operations resumed on schedule.
Amount Paid
ZMW 850,000
Settlement
14 days
Motor — Fleet Vehicle Accident
Lusaka Logistics Company
A Lusaka logistics company's fleet vehicle was involved in an accident on the Great East Road, sustaining significant bodywork and mechanical damage. Acentria lodged the claim, managed the assessment process, and confirmed an approved repairer. Full repair costs were settled in 9 working days, keeping the fleet operational.
Amount Paid
ZMW 95,000
Settlement
9 days
Home — Burglary During Travel
Private Individual
A Kabulonga homeowner returned from an international trip to find the property had been burgled and electronics and valuables stolen. Acentria guided the client through the police report and documentation requirements. New-for-old replacement at current market value was settled within 7 working days — no depreciation applied.
Amount Paid
ZMW 45,000
Settlement
7 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
Reinsurance solutions that are responsive, expertly structured, and competitively priced. Acentria is our first call for any African risk placement.
Solomon Nyirenda
Chief Risk Officer, Zanaco Bank
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.
Lusaka
Cairo Road, City Centre, Lusaka
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Home Insurance.
Speak with one of our Zambia specialists today and get a personalised solution within 24 hours.
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