Why Ghanaians are all over the Home/Office 360 Insurance

Priority Insurance Co. Ltd and iRisk Management Ltd. have partnered to bring Ghana’s best Home/Office 360 Insurance policy, designed especially for low- and middle-income earners. This innovative policy gives you peace of mind by providing comprehensive coverage for your home or office valuables, up to GHS 50,000. For only GHS 360 a year — just about GHS 1 a day — you get security from fire, burglary, and other risks, plus additional protections you won’t find in other home or office insurance plans in Ghana. Let’s delve into this article by Samuel Kwame Boadu

What Exactly is Covered?

Home/Office 360 Insurance covers:

1. Fire and Other Perils: This includes not only fires but also unexpected dangers like storms, floods, or explosions. So, if nature or other unforeseen circumstances damage your belongings, you can get coverage for repairs or replacements up to GHS 50,000.
2. Burglary or Theft: If thieves break into your home or office and steal or damage property, this policy has you covered up to the specified limit.

Additional Benefits: Standing Out from the Rest

Home/Office 360 Insurance includes extra benefits that truly set it apart:

1. Public/Personal Liability: This provides coverage up to GHS 10,000 in case someone is accidentally injured, or their property is damaged on your premises. For example, if a visitor trips and is injured in your office, this policy can help cover their medical expenses or any other liability.
2. Personal Accident Cover: This benefit provides financial support up to GHS 10,000 if you, the policyholder, experience an accident that causes injury. This is to help with medical expenses or any other immediate needs resulting from the accident.

Fast and Easy Claims Process

Priority Insurance has a reputation for its speedy claims service, and the Home/Office 360 Insurance package follows this tradition. Claims are simple:

1. Complete the claim form.
2. Provide a police report if needed (for theft).
3. Get an attestation from the Fire Service if fire-related.
4. Submit estimates for repair or replacement, plus photos or videos of the damage.

Once all required documents are submitted, claims are processed within just five days! Contact their claims department on (+233)050-163-4013 or any of Priority Insurance’s over 32 branches nationwide. One can also contact the office of Irisk Management Ltd as well

Frequently Asked Questions (FAQs)

What is Home/Office 360 Insurance? Home/Office 360 Insurance is a policy designed to protect the valuable contents of your home or office, covering up to GHS 50,000 against fire, natural disasters, burglary, and more. It’s the first policy in Ghana aimed at making comprehensive insurance affordable for everyone.

How much does it cost? The policy costs just GHS 360 per year, which works out to be only GHS 1 per day.

Can I buy this policy if I’m a tenant? Yes, absolutely! You don’t need to own the home or office to buy this policy. Tenants are eligible to secure coverage for their belongings as well.

How do I apply or get this policy? Applying is simple. You can visit any Priority Insurance branch or reach out to iRisk Management Ltd. for assistance. Fill out a form and make the payment to activate your policy. We heard it’s even easier to WhatsApp Priority Insurance to get it done. CLICK HERE

What information do I need to provide? You’ll need to provide basic details about yourself and the contents you’re insuring. Priority Insurance or Irisk Management Ltd’s representatives will guide you through the process.

When does my coverage start after I’ve paid? Your coverage begins as soon as your premium payment is completed, giving you immediate peace of mind.

Can changes be made to the policy? Yes, if your situation changes, you can adjust certain details of the policy by reaching out to any of Priority Insurance’s branches or your brokerage firm.

Are there exclusions? Exclusions may apply to certain items or situations. It’s best to read through the policy document and consult with Priority Insurance for any clarifications but general exclusions such as:

• Intentional damage
• Wear and tear
• Accidental damages

Home/Office 360 Insurance is your one-stop solution for affordable and comprehensive insurance, designed to fit your lifestyle and budget. It’s more than just insurance — it’s about safeguarding the things that matter most to you, with the trusted, quick support of Priority Insurance and iRisk Management Ltd. CLICK HERE TO WHATSAPP

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Source: The Ghana Times