HouseandHouseholdinsurance - Slate Insurance Brokers Zambia
Protect What Matters Most—with the Right Cover, Chosen for You

Your home is your sanctuary—and it deserves to be protected. At Slate Insurance Brokers, we help you find the right House and Household Insurance by working with trusted insurers across Zambia. Whether you’re looking to protect the structure of your home, the belongings inside, or both, we guide you to the best options for your needs and budget.

What We Help You Cover

We connect you with policies that offer comprehensive protection, including:

  • 🏠 Buildings Insurance
    Cover for the physical structure of your home—walls, roof, fixtures, garages, and more—against risks like fire, storms, or floods.

  • 🛋️ Household Contents Insurance
    Protection for your possessions, such as electronics, furniture, clothing, and appliances, in case of fire, theft, or accidental damage.

  • 🔐 Burglary and Theft
    Coverage for stolen or damaged items due to break-ins or forced entry.

  • ⚡ Accidental Damage
    We help you find policies that cover unexpected events like water damage or broken valuables.

  • 🌍 Temporary Accommodation
    In case your home becomes uninhabitable, we ensure your policy includes cover for alternative living arrangements.

Why Work with Slate?

At Slate, we don’t sell one-size-fits-all insurance—we match you with the cover that fits your life.

Independent Advice – We compare policies from Zambia’s leading insurers.
Tailored Recommendations – You tell us what’s important, we do the legwork.
Expert Support – From choosing the right policy to making a claim, we’re here to help.
No Extra Cost – You get access to our full support and insurer network without paying more.

Yes—because disasters and accidents don’t give warnings. Whether you own your home or rent it, protecting your space and belongings means protecting your financial future.

Reach Out to Us on

info@slateinsurancebrokers.com

Call Out to Us on

+2609777777

Our Address

SunShareTower, Katima Mulilo Road,Lusaka, Zambia

Ready to Safeguard Your Family’s Financial Future?

Prevent debt from being a burden. Get a quote for Credit Life Insurance today and protect your loved ones’ peace of mind.

Houseowners & Householders Insurance Coverage Levels

Your home is likely your most significant personal investment. Slate Insurance Brokers structures comprehensive domestic package policies combining building and contents protection:

  • 1. Houseowners (Building Cover): Protects the physical structure of your home, boundary walls, gates, swimming pools, boreholes, solar installations, outbuildings, and paved driveways against fire, lightning, explosion, storm, flood, bursting of geysers/water pipes, and vehicle impact.
  • 2. Householders (Contents Cover): Protects movable household contents (furniture, home appliances, clothing, electronics, kitchenware) inside the home against theft following forcible entry, fire, and water damage.
  • 3. All Risks (Valuables & Portables): Worldwide protection for high-value portable items carried outside the home (smartphones, laptops, jewellery, watches, cameras) against accidental loss and theft.
  • 4. Domestic Workers Liability: Covers your legal liability as an employer for accidental injury or death of domestic employees (gardeners, housekeepers, security guards) on your property.

Standard Domestic Policy Exclusions

  • Unattended Theft Without Forcible Entry: Theft of contents where there are no visible signs of forced entry or exit (unless specific robbery occurred).
  • Wear, Tear & Pest Infestation: Gradual rust, dampness, dry rot, termites, and lack of routine property maintenance.
  • Electrical Mechanical Breakdown: Internal electrical burnout of domestic appliances not caused by an insured power surge peril.
  • Unoccupied Homes: Theft or water damage occurring when the private residence has been left unoccupied for more than 30 consecutive days without notifying the insurer.

Domestic Property Claims Procedure

  1. Step 1: Police & Emergency Notice: In cases of burglary or malicious damage, immediately report to the Zambia Police station and obtain an official Police Report.
  2. Step 2: Document Proof of Value: Provide purchase receipts, valuation certificates (for jewellery), photos, and repair/replacement replacement quotations.
  3. Step 3: Fast Track Settlement: Slate secures prompt insurer approval to replace stolen electronics, repair roofs, or rebuild structural damage.

Frequently Asked Questions: House & Household Insurance

Are solar power systems and inverters covered under home insurance?

Yes. Rooftop solar panels, inverters, and battery storage systems can be specifically scheduled under Houseowners building cover to protect against storm damage, lightning strikes, and theft.

What is the difference between Houseowners and Householders insurance?

Houseowners covers the physical building and fixed structures, while Householders covers the movable furniture and personal belongings inside the building.

Why Partner with Slate Insurance Brokers for House and Household insurance in Zambia?

Navigating the Zambian insurance market requires more than purchasing off-the-shelf coverage. Underwriting terms, average clauses, warranties, and deductible structures vary significantly across local and regional insurers. As a licensed insurance broker registered with the Pensions and Insurance Authority (PIA), Slate acts exclusively as your independent fiduciary advisor:

  • Impartial Market Benchmarking: We solicit competitive quotes across Zambia's premier insurance companies, comparing premium rates, excess structures, and claim settlement track records to ensure you receive optimal value.
  • Bespoke Policy Wording & Endorsements: Standard underwriter policies often contain restrictive warranties and exclusions. Slate negotiates tailored policy wordings, eliminating restrictive clauses and expanding coverage boundaries to protect your specific operational risks.
  • Dedicated Claims Advocacy: In the event of a loss, we manage the entire claims process on your behalf. From appointing certified loss adjusters to challenging unfair depreciation deductions and fast-tracking settlement approvals, Slate ensures you receive fair, transparent, and prompt compensation.
  • Annual Portfolio & Valuation Reviews: We conduct proactive annual risk audits and asset valuation reviews to protect your policies from underinsurance and the application of the average condition during claims.

Ready to Review or Upgrade Your House and Household insurance? Speak with our qualified insurance brokers today for a free, confidential portfolio audit and comparative quote.

Request a Free Consultation →