Home Insurance in Cameroon: Benefits & Coverage Quote Limits

 Home insurance protects you from unforeseen circumstances that could make you lose your property. This insurance covers the residence and various items that can be lost to fire, theft, lawsuits, etc. This type of insurance is necessary because it protects your home from damage and theft.

An Overview of Home Insurance

Home Insurance, also called Homeowner's Insurance, is a type of insurance that covers your home. Depending on your insurance agreement, it takes care of the cost of any damage to your home. Basically, it combines a wide range of personal insurance protections. 

These personal insurance protections can include damages to your home, its contents, and loss of your personal possessions.

See Also: Personal Loans in Cameroon.

Benefits of Home Insurance

Home insurance has numerous advantages:

1. Protects your primary dwelling.

We all know that shelter is one of our most basic needs. Now, imagine dealing with the total loss of your home. Indeed, you would not like that experience. This shows that having home insurance protects your home from unforeseen circumstances.

2. Guests' medical protection

If a visitor sustains an injury in your home, your home insurance will cover their medical bills. This will help you lighten your financial burden.

3. Covers additional living expenses

Imagine a situation where a disaster temporarily forces you to move away from your home. Your home insurance policy will cover temporary living costs like hotel bills until you return home.

4. Protects your personal belongings

Home insurance also includes your personal belongings. This coverage helps replace your damaged belongings like furniture, electronics, etc.

Read Also: Functions and Importance of Insurance in Cameroon.

What does a Home or Property Insurance policy cover?

Although you can customize your home insurance policy, it offers some standard elements. A typical home insurance policy covers your belonging and home structure. They generally come as "package policies."

This simply means that its coverage includes damage to your property and legal responsibility for damages to others. Below are some damages a home insurance covers:

1. Internal and external damage to your house

In the event of a disaster, your home insurance will cover the cost of repairs in your home. However, the cost of destruction caused by headaches or poor home maintenance is not included.

You may need to insure other freestanding structures. Additionally, home insurance pays for the cost of furniture, clothing, or home appliances.

2. Personal liability for damage and injuries to third-party

Personal liability is another package your home insurance covers. Basically, liability coverage protects you from lawsuits that people file against you. This package covers the medical expenses of others who sustain an injury on your property.

Lastly, standard home insurance covers the costs of items you take, whether out or on holiday.

Home Insurance in Cameroon: How it Works

Generally, in Cameroon, home insurance covers personal items that are usually present in the home. These include computers, TVs, mobile phones, documents, etc.

Typically, you might not insure these items as a single cover. Except the sellers or manufacturers cover them directly.

So if you want to insure your TV, it will fall under Home Insurance. Depending on the company, you'll have to protect at least two or three items in the house for home insurance to be activated. This type of insurance can also cover accidents in the home. 

Suggested: Mortgage in Cameroon, Real Estate, and Home Loans.

Home Insurance Coverage

  • Liability for third-party losses
  • Death
  • Covers items you take out and about, whether at home or on holiday.
  • Fire
  • Burglary and Theft
  • Bodily Injury
  • Environmental damage.

Limits of Home Insurance

Standard home insurance should cover damages to your house and belongings. You must always note that all coverages come with a limit. Therefore, the limit of your home insurance will depend on your package with the insurance company.


Acquiring a house is one of the most important investments you will make. Therefore, you must buy home insurance to protect your investment. Home insurance will ensure you enjoy your property and save you from the financial stress of paying for damages. Check out the top insurance companies in Cameroon to get your home insurance quote.

Temo Group

Temo Group Writes About News Updates, Tech, Business, Health, Education, Loans, SEO, Insurance, and Real Estate.

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