Top 7 Homeowners Insurance Companies In Ghana 2025

Ghana offers many insurance providers that homeowners can rely on to safeguard their homes. This is often considered standard advice from investment experts, banks, financial advisors, and everybody involved in the property market in Ghana. However, homeowners in Ghana often face the difficulty of getting the best value for money from their insurance packages for their new homes.

At first glance, it may seem like many home insurance packages in Ghana appear quite similar. Yes, they generally offer common products, such as basic coverage for natural disasters, fire, and other risks associated with owning a home in Ghana. But take a closer look and you will notice that not all policies are created equal. For instance, policies differ in their claim limits and excess options.

Top 5 Home Insurance Packages in Ghana – 2025

The best way to compare insurance packages in Ghana is to check out the leading providers in the market. These companies typically offer competitive rates, providing a reliable benchmark for market prices. 

Prophunt has curated a list of the top 5 policy options for the best house insurance in Ghana. Here are our top picks for the best home insurance packages in Ghana–2025!

Stanbic Bank Home Insurance

Stanbic Bank homeowners' insurance keeps home and contents insurance affordable while covering what matters. This is one of the best home insurance packages in Ghana that replaces, repairs, or reinstates your residential building and its contents after damage or loss caused by burglary, fire, or other perils.

This property insurance in Ghana covers you in cases where you are liable for damage suffered by third parties. One area where they are superior to other insurance companies in Ghana is their competitive rates they offer. For example, for a property in Accra valued at GHS150,000, you will pay a premium of not more than GHS25 a month.

Hollard Home Insurance

This insurance company in Ghana is best known for its virtual insurance. They offer discounts and comprehensive home insurance packages in Ghana tailored to the needs of their clients. Their insurance packages in Ghana cover compensation for injury or death of indoor servants, security staff, and the cost of alternative accommodation while your building is uninhabitable after an insured event.

Interestingly, it’s one of the few policies that cover fence walls, so if home wall fencing is important to you, this might be the best fit. But for everyone else, this property insurance in Ghana is a real contender, and you could receive a discount by purchasing one of their packages, bringing the overall cost down even further. 

Enterprise Home Insurance

This home insurance package in Ghana is specially designed for your home. It covers numerous risks such as fire, lightning, explosion, earthquake, strike, burglary (including armed robbery), flood, theft, and many more. Most insurance companies in Ghana offer premiums that vary according to the range of coverage, but you'll be interested to know that Enterprise home insurance also offers discounts for existing homeowners.

So not only does this insurance company in Ghana rank among the most affordable options, but it also packs a serious punch. What we like most about this insurance package in Ghana is that in the event of a building's destruction requiring rebuilding, the insurer covers expenses such as architects' and surveyors' fees, as well as clearance costs.

Vanguard Home Insurance

The Vanguard homeowner’s policy is designed to provide coverage for the loss or damage incurred by your private dwelling, household belongings, and personal effects due to fire, allied perils, or theft. Additionally, this home insurance package in Ghana extends to cover your liability to third parties in cases of injury or damage occurring on the premises due to negligence.

This coverage can help cover legal expenses and compensation costs, providing vital financial security in unforeseen circumstances. By encompassing both physical asset protection and liability coverage, the Vanguard homeowner’s policy offers a well-rounded solution for homeowners seeking comprehensive insurance coverage in Ghana.

Millennium Home Insurance

This famous brand is a strong competitor in the home insurance market in Ghana. The Millennium Home Insurance package in Ghana is designed for middle to upper-income earners who are looking for more coverage than the standard fire insurance and allied perils packages offer. This is a must-see when you're looking for comparisons to find the best deals. 

This home insurance policy itself is just as solid. Fire cover comes as standard, along with protection for theft, and even third party liability cover. Millennium has built a strong reputation for taking care of its customers when it matters most. Policyholders praise its easy claims process and friendly service, making it a standout for customer experience in Ghana.

Quality Home Insurance

This is another well-known and highly competitive home insurance company in Ghana, offering multiple discounts. Quality home insurance believes that most homeowners in Ghana simply can't afford to rebuild their home and replace everything in it if there's a disaster, which is why home insurance is so important.

Just like the other home insurance companies in Ghana, this policy option offers homeowners coverage that can protect your property, your possessions, and you. It’s a package policy that combines two types of coverage.

Coronation Home Insurance

This home insurance company in Ghana offers multiple home insurance packages. They have a complete range of home insurance packages in Ghana, including homeowners insurance and householders insurance, plus combined home and contents policies. The homeowner's insurance is the standard policy covering damages to a building occasioned by flood, fire, and fallen trees, as well as injury to visitors to the property. 

The householder's insurance policy is designed to meet the needs of occupants in a property who do not own their home or apartment (and therefore do not require building insurance) but still desire protection for their personal belongings.

Final Thoughts

Given the importance of home insurance in Ghana, it’s a good idea to regularly review your home insurance policy. Even if you've already signed up for an auto-renewal, checking your home insurance package in Ghana at least once a year, if not more, is smart, as most insurers charge more the longer you stay with them. 

Legal Disclaimer

The information on this website is for informational purposes only and is not intended for any legal or accounting advice. Prophunt does not guarantee its accuracy and is not liable for any damages or inaccuracies.