Season 2 Episode 13: Understanding House Owners & Householders Insurance | Powered by Professional Insurance

A home is more than just bricks and walls. It is an investment, a place of security and a space filled with the people and possessions that matter most. But when the unexpected happens, do we really understand how our insurance can protect us?

As part of Insurance Week 2026, Kutaba Podcast partnered with Professional Insurance to have an insightful conversation on House Owners and Householders Insurance, helping customers understand insurance in simple, practical and relatable language.

In this episode, we were honoured to host Mrs Mukumbuta Lukwesa who is a deputy manager underwriting brokered network from Professional Insurance, who takes us through the important things every homeowner and householder should know. From understanding what your policy covers, to explaining everyday terms such as premiums and excess, we explore how customers can make informed decisions about protecting their homes and belongings.

The conversation also looks at important issues such as determining the right value of your property, understanding underinsurance and overinsurance, knowing what may be excluded from your policy, maintaining appropriate security measures and understanding what happens when a home is left unoccupied for an extended period.

We also discuss what customers should do when an unexpected incident occurs, how to report a claim, and why understanding your responsibilities as a policyholder is an important part of having effective insurance protection.