Photo: Sagiomhza, Wikimedia Commons, CC BY-SA 4.0Home and property insurance in Uganda
Home and property insurance in Uganda
Short answerChecked 23 September 2026
Home insurance is optional in Uganda. According to IRA, property insurance covers buildings and contents against risks such as fire or theft, and may add equipment breakdown, debris removal and some water damage. Once you sign the discharge, the insurer must pay within 10 working days for claims up to UGX 10 million.
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- Building cover at rebuilding cost, and contents with a list of valuables.
- Perils covered: fire, lightning, storm, burglary, water damage.
- Portable items away from home (often an add-on).
- The excess, and security conditions.
- You cannot insure the same property twice to be paid twice (IRA FAQ).
Claim deadlines
From IRA's Guide to Insurance Claims:
| Step | Deadline for the insurer |
|---|---|
| Acknowledge your claim | 3 working days |
| Appoint an assessor | 3 working days (5 for complex claims) |
| Offer or refuse, with reasons | 5 working days after the final report or documents |
| Pay a claim up to UGX 10 million | 10 working days after you sign the discharge voucher |
| Pay UGX 10–50 million | 15 working days |
| Pay over UGX 50 million | 20 working days |
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Frequently asked questions
Is home insurance compulsory in Uganda?
No. A lender may require it on a mortgaged property.