Have You Insured the Things That Keep Your Kids Happy?

May 27, 2025

On May 27th of every year, we take a moment to celebrate the joy, dreams, and boundless energy of our children.

Children’s Day is all about protecting and nurturing their happiness. But beyond the balloons and sweet treats, have you considered the everyday items in your home that contribute to your child’s joy and comfort?

From their bicycle to the devices they use for screen time, your home is filled with things that help your children learn, laugh, play, and grow.

Now ask yourself:

If something were to happen to these items, such as fire, flood, or theft, could you replace them immediately?

This is where Householder Insurance comes in. Click here to speak to an insurance advisor. A householder insurance is not just another policy; it’s a smart way to protect what matters most to you and your family.

Let’s explore how this insurance policy helps you protect the things that make your kids happy, especially on Children’s Day.

What Is Householder Insurance?

Householder Insurance is a special type of coverage designed for individuals or families who do not own their homes but still wish to protect their valuable household items.

So, if you rent an apartment or a flat, whether in Lekki, Surulere, Abuja or Port Harcourt and you have filled it with important personal items and family essentials, this policy is for you.

It does not cover the building structure, but it covers the contents inside – the actual things you and your child use every day.

What Does Householder Insurance Cover?

1. Laptops, Tablets & Educational Gadgets

Let’s start with the most obvious in today’s digital world. Children across Nigeria now rely heavily on technology for learning, whether it’s e-learning portals, coding apps, or research tools for assignments, and even Zoom classes. These devices do not come cheap. These devices are not just expensive, they’re essential. One accidental spill or fall, and your child’s learning could be disrupted.

2. Bicycles & Outdoor Play Items

For most kids, outdoor fun is non-negotiable. Whether it’s riding around the compound or playing with friends on the street. These moments build their confidence, balance, and social skills, but they also come with the occasional scraped knee, wobbly wheel, or broken toy.

3. Beds, Mattresses & Furniture

A good night’s rest is critical for a child’s growth and well-being, and their bed is often their favourite space at home. Beyond sleep, it’s a safe haven where they unwind after a busy day, read their favourite stories, and dream big dreams. Kids don’t just use their beds, they jump on them and roll around during playtime. Furniture like chairs, tables, and shelves also bear the marks of creativity and adventure, making them priceless pieces in a child’s daily life.

4. Televisions, Game Consoles & Entertainment Devices

Children love their TV time, cartoons, family movies, and even interactive games. These devices bring joy and laughter to the home, but a sudden power surge or accidental drop can turn entertainment into an unexpected expense.

5. Generators, Inverters & Back-Up Power Units

With erratic power supply, alternative energy sources are important to keep children comfortable and connected to their learning tools. These devices ensure homework gets done, shows are watched, and fans keep the room cool, making them household heroes during power outages.

6. Landlord’s Fixtures & Fittings (Used by Kids Too!)

Children love to open cabinets, use taps, or switch on wall fans, they interact with fittings just as much as adults do. Their curiosity can sometimes lead to accidental damage, and replacing or fixing these items can be costly.

Householder Insurance protects you from the financial burden of replacing or repairing valuable household items, whether due to fire, flood, theft, or damage; ensuring your family can recover quickly and maintain normalcy.

From expensive gadgets and outdoor toys to essential furniture and power equipment, life with kids is full of surprises. Having this insurance means you’re covered against unforeseen mishaps, so your home stays a safe, happy haven without breaking the bank.

Additionally, it covers:

7. Public Liability Protection

Kids play rough. What happens if they accidentally damage a neighbor’s window while playing football?
Why it matters: This policy covers legal liabilities and compensation if your household unintentionally causes harm to someone else’s property, protecting your family’s peace of mind.

8. Legal Costs

Sometimes, damage or injury can lead to a court case or legal demand.
Why it matters: Householder Insurance covers reasonable legal expenses arising from incidents covered under your policy, saving you from unexpected financial stress.

The True Gift of Children’s Day

Every day, you work hard to create a home where your child feels safe, happy, and free to dream. But no matter how careful you are, accidents happen.

What matters is that you are prepared.

Householder Insurance is more than just a policy, it is a layer of protection around your family’s lifestyle. It ensures that if something goes wrong, you can quickly bounce back, without disrupting your child’s comfort, education, or joy.

So, while you are celebrating this Children’s Day, ask yourself:

Have you insured the things that keep your kids happy?
If not, now is the perfect time to take that step.

Let’s help you get started.

At Coronation Insurance, we offer flexible Householder Insurance plans tailored to your home’s unique needs. Reach out today and ensure everything your child depends on is safe.

Click here to learn more and get started now: https://www.coronation.ng/products-solutions/insurance/personal-insurance/home-insurance/

This Children’s Day, give your kids more than a toy.

Give them protection, peace of mind, and the security to keep smiling, no matter what.