Photo: Sonse (Flickr), Wikimedia Commons, CC BY 2.0Home and property insurance in Namibia
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Get the free PDFRiot and strike damage: NASRIA
"The Namibia Special Risks Insurance Association (NASRIA) Ltd is the only insurer in Namibia which provides cover against damage to property and consequential loss caused by, among others, riots or civil commotion, strikes, lockouts and labour disturbances" (NASRIA). NASRIA operates under the Namibia Special Risks Insurance Association Act 5 of 2017, in force since 1 August 2018. Ask your insurer whether NASRIA cover is added to your policy.
Your rights before and after you sign
- Disclosure of benefits, exclusions, penalties, restrictions, waiting periods and excess, and of the total cost including commission (NAMFISA).
- The right to cancel the policy, subject to the cancellation notice period the insurer stipulates (same page).
- A written policy, usually within 30 days (same page), and the right to complain to NAMFISA.
- Your responsibility: deal only with registered insurers, agents and brokers (check one).
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Frequently asked questions
Does home insurance cover riot damage in Namibia?
Riot, strike and civil commotion damage is covered by NASRIA, which says it is the only insurer providing that cover in Namibia. Ask your insurer whether NASRIA cover is included.
Is home insurance compulsory in Namibia?
We found no Act that makes it compulsory, but a bank can make building cover a condition of a home loan: read the loan agreement.
Sources
- NASRIA — Political violence and terrorism cover
- Namibia Special Risks Insurance Association Act 5 of 2017 — annotated text, Legal Assistance Centre (in force 1 August 2018)
- NAMFISA educates — Short-term insurance: rights and responsibilities
- NAMFISA — Registered institutions and intermediaries (register retrieved 31 October 2026)