Home Insurance

What is Home Insurance

Home Insurance (Domestic Package) from Goldstar is comprehensive cover to protect your residential premises against various risks. Your home, as well as everything inside of it, is protected with Goldstar.

If you own your home or are renting out a property then you’ll need to have Home Insurance. Protecting your home and assets is vital to ensure all your hard work is not lost in the event of the unexpected.

Repairing your home can be very expensive, so Home insurance could save you money in the long run.

What’s covered

Loss or damage to buildings

  • Caused by events such as fire, theft and flooding
  • Cover includes garages, any domestic outbuildings, fences, walls or gates
  • We’ll also cover swimming pools, ponds and fountains, hard courts, terraces, and patios
Loss or damage to your contents

  • Caused by events such as fire, theft and flooding
  • Cover for your furniture, fixtures or fittings
  • Cover for valuables such as laptops, phones, jewellery and any other specified valuables
  • Cover in your home, outbuildings and garden
  • Plus we’ll cover items temporarily taken outside the home or garden or worldwide
New for old replacements

  • We’ll replace your damaged or destroyed belongings with new items 6
  • Or we’ll help with restorations, repairs or payment to choose your own replacements
Personal money

  • Cash in your home covered up to a limit – including travel tickets, gift vouchers and phone cards
Cover for domestic employees

  • Legal liability under the Workers’ Compensation Act to compensate home employees for accidental death or bodily injury in the course of duty
Public Liability

  • Legal liability to third parties for injury or damage to their property as a result of ownership or occupation of a residence

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

  • Wet rot, dry rot or frost damage
  • Damage that’s been caused over time
  • Claims for poor workmanship or faulty design
  • Wear and tear, and the cost of repairing breakdowns or faults
  • Misplacing or accidentally losing items
  • Motorised vehicles, aircrafts, caravans or watercrafts of any kind

What’s optional

  • Political Violence and Terrorism: Cover against political violence and terrorism

Goldstar claim process

No matter what your worry is, we’re here to help
explain the process, assess your claim fairly
and minimize the disruption to you with a transparent claims process.
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How to make a claim

We have a number of options to help you make a 
claim quickly and effectively. Contact our dedicated claims team for advice on
an incident/claim.
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Why choose us ?

Goldstar Insurance was IFM’s Best Insurance
Company in Uganda (2015) and has over
 the years consistently maintained a Global A+ Credit Rating
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Other types of insurance cover

All Risks Insurance

The widest cover for properties against loss or damage caused by any accident or misfortune ………….

Read More

Buglary Insurance

Provides compensation when a property suffers loss caused by theft when accompanied by forcible breaking into.

Read More

Electronic Equipment Insurance

Cover your property against loss or damage caused by any accident or misfortune

Read More

2016 Global Business Outlook Award

Best insurance company in Uganda

2015 International Finance Magazine Award

Best insurance company in Uganda

A+ Global Credit Rating Co

Your expert local insurance partner

Easy Claim

Easy claim procedures with no hassle

Save Your Money

Host of discounts – No claim bonus, Discount for Automobile

Instant Online Policy

Host of discounts – No claim bonus, Discount for Automobile.



How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?


  • Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
  • Always keep valuables safely and locked out of site to protect against the risk of theft