Are You Covered for the Unexpected? What Ghanaians Should Know About Insurance This July
July marks the heart of Ghana’s rainy season, a time when many citizens are reminded—often too late—of the real cost of being unprepared.
From flash floods in Accra to unexpected fire outbreaks, road accidents, and health emergencies, life in Ghana is full of unpredictable events. And yet, insurance penetration remains low, with recent data showing that only a small percentage of Ghanaians have any form of active insurance policy.
So what’s holding people back? And more importantly, how do you know if you’re truly covered for the unexpected?
The Myth of “It Won’t Happen to Me”
In many Ghanaian households and businesses, insurance is still seen as optional. For some, it’s misunderstood. For others, it’s an afterthought.
But ask anyone who’s faced sudden car damage from floodwater, or a fire that gutted their shop, and they’ll tell you: the unexpected does not send a warning. Insurance isn’t just paperwork—it’s financial protection and peace of mind when life takes a wrong turn.
What You Need to Check This Month
As we move through July, here are three key questions to ask yourself:
-
Do I have valid and active insurance for my vehicle, home or business?
-
Does my policy cover natural disasters, theft, fire, and third-party liabilities?
-
Would I know what to do—or who to call—if disaster struck today?
If your answer to any of the above is “I’m not sure,” then now is the time to speak to a licensed insurer or agent.
The Cost of Waiting
Delaying insurance doesn’t save you money—it increases your risk. A motor accident or fire outbreak could cost thousands of cedis, not to mention the emotional toll and time lost. For businesses, it can mean closure. For families, it can mean starting over from scratch.
July is the perfect time to reassess your coverage. With rainfall intensifying and road conditions worsening, the likelihood of claims—especially for motor and property insurance—rises significantly during this season.
How to Get Covered
You don’t need to overpay or over-insure. The best policies are tailored to your actual needs, whether it’s motor insurance for your trotro or comprehensive protection for your shop, home, or business premises.
At Priority Insurance, we believe in making insurance simple, affordable, and accessible. Our goal is to help you recover—not worry—when the unexpected happens.
Whether you’re a first-time buyer or simply unsure what your current policy includes, our team is ready to guide you through the options that fit your life and budget.
Final Thought
You don’t need to live in fear of the unknown—but you do need to plan for it.
This July, take a moment to ask yourself:
“Am I really covered for the unexpected?”
If not, it’s time to make that call—because protection starts before the problem. CLICK HERE NOW
