Household Insurance

Offers household insurance to cover you against loss or damage.


This form of home insurance includes the general contents of your residence; equipment, documents, appliances and precious items.

Some of the Household Insurance items included are refrigerators and their contents as well as laundry and garden furniture.

This home insurance also extends to the accidental breakage of mirrors and glass within the home.

Household Insurance covers you for loss from theft, malicious damage, fire damage, water damage, as well as other misfortunes, such as the impact of vehicles or falling trees.

Your Household Insurance Cover Extends To The Following Circumstances:

  • Loss following the fraudulent or unauthorised use of a personal credit card, not otherwise insured (up to ZMK500,000)
  • Employment of security guards to protect your content after an event
  • Costs to replace locks, keys and remote controls (up to ZMK500,000 per event)
  • Theft of money after a forced entry
  • Theft of a guest’s property (up to ZMK750,000 per event)
  • Reasonable costs to replace plants and damage to your garden (up to ZMK750,000 per event)
  • Compensation of up to ZMK750,000 towards professional trauma counselling if you are the victim of a violent crime
  • Mechanical breakdown of appliances

Precious Item Insurance Benefit

Household Insurance covers you for the theft of precious items whether stolen from your home, car or elsewhere.

This can include personal computer equipment, jewellery, sports equipment, cell phones, art pieces or anything you consider precious.

Household Insurance is underwritten by Hollard Insurance Zambia Limited. Special exclusions and conditions apply.