Compare cover from Ghana's leading insurers, get matched with the partners most likely to quote your profile, and keep your data private until you opt in.
Indicative quotes only. Introducer service, not a broker — Habivista never charges applicants.
The four cover types
Most Ghanaian home policies are built from these four building blocks. The wizard helps you choose, but it's worth knowing what each one actually pays out for before you start.
Protects the physical structure — walls, roof, fixed fittings.
Protects what you'd take with you if you moved house.
One policy, one excess, one renewal date.
Covers damage you cause to a property you rent.
Partner insurers
Our launch roster of Ghanaian insurers. Request a quote and we'll pass your anonymised summary to the insurer's underwriting desk — only after you opt in.
Indicative quotes only. Actual terms are set by each insurer after formal application and underwriting.
Partner insurer roster will appear here once onboarding is complete.
Four short screens — you, the property, the cover you want, your consent. We share your details only with the insurers you tick. No spam calls, no unsolicited follow-ups.
Start your quoteAnonymous to start
Fill the first three screens without an account. Sign in only when you're ready to send.
Consent-first
No insurer sees your details until you tick the box. We store a snapshot of the consent text.
You choose the insurers
Send to all six or just one. Withdraw any time and every quote auto-declines.
Learn before you insure
Premiums, excess, perils, claims — the basics in plain English. Guide coming soon.
Browse the blog→What each policy actually pays out for, and when you need both. Guide coming soon.
Browse the blog→Why your sum insured should reflect rebuild cost, not market value. Guide coming soon.
Browse the blog→What renters in Ghana actually need, and what their landlord covers. Guide coming soon.
Browse the blog→How a clean claims record lowers next year's premium. Guide coming soon.
Browse the blog→How life cover linked to a mortgage protects your family if the worst happens. Guide coming soon.
Browse the blog→Questions we get every week
Habivista is an introducer, not a broker. We collect your details once, share them — only after you opt in — with the partners you select, and pass back their indicative quotes. The actual policy, premium collection, and claims handling all sit with the insurer, off-platform. We never charge you and we never quote firm terms on the insurer's behalf.
Market value is what someone would pay to buy your house today. Sum insured (rebuild cost) is what it would cost to put the structure back up after a total loss — labour, materials, professional fees, demolition. In Ghana these numbers can diverge significantly, especially in built-up neighbourhoods. Insurers always settle building claims against rebuild cost, never market value, so under-insuring on this number is one of the most common mistakes.
Your landlord's policy covers their building, not your belongings. If your sofa, electronics, clothes, and appliances were stolen or destroyed in a fire tomorrow, you'd replace them out of pocket without contents cover. Tenants insurance is usually the cheapest line on the market for exactly this reason — it's worth a quote even if you rent furnished.
The excess is the first slice of any claim that you pay yourself before the insurer contributes. A typical Ghanaian home policy might carry a GHS 500–2,000 excess on contents and a higher figure on building. A higher excess generally lowers your annual premium — useful if you'd rather self-insure small losses and only claim for serious ones.
Most standard home policies in Ghana cover storm and flood damage as named perils, but some areas — particularly low-lying parts of Accra — are excluded or carry a higher excess. The right time to check this is before you sign, not after the rains arrive. Tell the insurer your exact neighbourhood and ask explicitly whether flood is included in your premium.
No. Every figure on this site is labelled indicative — a partner's best estimate based on the summary you submit. The actual offer is set after formal application, property survey or photo evidence, and underwriting. We say so on every quote because it's the honest answer, not the legal-cover answer.
Not sure where to start?
A short call, no pitch. We'll help you size the right cover for your home, flag the questions worth asking each insurer, and tell you which lines are honestly worth paying for.
Insurance guidance curated with Azunus Realty Consult. Habivista is an introducer, not a broker — we don't charge applicants and we never quote firm terms on an insurer's behalf.
