Top 5 Insurance Covers Nigerians Need During Rainy Season

Rainy season in Nigeria is more than just a weather update. It’s that time of year when blocked gutters flood streets, appliances fry from power surges, and car engines drown in waterlogged roads.

And still, life must go on.

Whether you’re a business owner, employee, landlord or hustler, the question is: are you protected when rain brings trouble?

Let’s walk through the top 5 insurance policies Nigerians need during rainy season explained simply, and built to protect real life.

1. Comprehensive Auto Insurance in Nigeria

Rain doesn’t respect how careful you drive. All it takes is one deep pothole or another driver’s bad decision.
Comprehensive motor insurance covers you for:

• Flooded engine damage

• Accidents

• Theft

• Fire

• Third-party claims

2. Householder Insurance (Protect Your Belongings at Home)

You protect your phone with a case. But what about your fridge, TV, and furniture?

Householder insurance protects you from:

• Leaks and water damage

• Burglary

• Fire or storm damage

• Broken windows and electrical faults

3. Fire & Special Perils Insurance

Did you know most rainy season disasters are caused by electrical surges and lightning?

This policy covers:

• Fire

• Storms and wind

• Lightning strikes

• Water damage from burst pipes or heavy rain
  

4. Business Insurance for Nigerian SMEs

Flood doesn’t care if you run a boutique, restaurant, or salon.
If your shop floods, your stock gets damaged, or your business is forced to close temporarily, business insurance steps in.

Covers may include:

• Inventory replacement

• Shop or office damage

• Public liability (if someone gets hurt on your premises)

5. Personal Accident & Life Insurance

Rainy season = higher road risk, slippery floors, exposed wires...
If something unexpected happens, a good life or personal accident policy ensures your loved ones aren’t left unprotected.

Frequently Asked Questions (FAQs)

Q1: Does insurance cover flood damage in Nigeria?
A: Yes. Flood-related damage can be covered under comprehensive car insurance, householder insurance, or fire & special perils, depending on the situation.

Q2: Can tenants get householder insurance, or is it only for landlords?
A: Absolutely! Tenants can insure their belongings even if they don’t own the building.

Q3: What’s the difference between householder insurance and fire insurance?
A: Householder insurance covers the contents of your home (TV, sofa, etc.), while fire & special perils protects the building and damage from fire, storm, etc.

Conclusion

Rain is a part of Nigerian life. But how you prepare for it makes all the difference.

Insurance doesn’t prevent the storm but it gives you shelter when it hits.

Call us at +2349064375345 or visit pra.insure to speak with an advisor.

We’re here to help you protect what you’ve built.