Home & Property
Protect dwellings, contents, and detached structures against fire, storm, theft, and accidental damage. Optional riders cover high-value items, home offices, and rental income interruption.
Protection That Grows With Your Life
Shidoa helps households and businesses prepare for uncertainty with clear policies, fair premiums, and a claims team that answers when it matters most.
Why Shidoa
Insurance Built Around Real Conversations
We believe coverage should be understandable before you ever need to file a claim. Our advisers explain exclusions, waiting periods, and renewal terms in plain language so you can choose with confidence.
Since our founding, Shidoa has focused on one principle: insurance works best when people trust the process. That means transparent pricing, documented policy changes, and digital tools that let you review beneficiaries, update contact details, and track open claims without waiting on hold.
Whether you are insuring a first home, expanding a retail business, or adding health coverage for a growing family, we match products to your actual risk profile rather than pushing generic bundles. Our underwriting team reviews each application individually, and we publish sample scenarios so you can see how premiums shift with deductibles and coverage limits.
- Licensed advisers available by appointment and secure messaging
- Digital policy vault with renewal reminders
- Claims guidance from first notice through settlement
- Flexible payment schedules aligned to your budget
Many insurers treat renewal season as a chance to raise rates quietly. Shidoa sends a comparison summary thirty days before renewal, showing what changed and why. If your circumstances shifted—new equipment, a renovated kitchen, an additional driver—we adjust coverage proactively instead of leaving gaps that surface only after a loss.
Our community programs include free workshops on reading policy schedules, understanding co-insurance clauses, and preparing home inventories. These sessions reflect our view that informed clients file fewer disputed claims and recover faster when events occur.
Trusted Numbers
Behind every figure is a team committed to paying valid claims quickly and communicating honestly when questions arise.
28 Years serving policyholders
94% First-contact claim resolution
12,400+ Active policies managed
48hr Average quote turnaround
Coverage
Core Insurance Services
From everyday protection to specialized commercial lines, Shidoa offers structured options you can combine or keep separate.
Life & Income
Term and whole-life plans, plus disability income replacement that keeps essential bills covered if illness or injury pauses your earning ability.
Health & Wellness
Hospital, outpatient, and preventive care bundles with network flexibility. Wellness incentives reward annual screenings and healthy lifestyle milestones.
Motor & Fleet
Comprehensive and third-party motor policies for personal vehicles and small fleets, including roadside assistance and replacement transport options.
Business Liability
General liability, professional indemnity, and product coverage tailored to shops, clinics, contractors, and professional offices.
Specialty Lines
Event cancellation, equipment breakdown, cyber liability, and trade credit insurance for niche exposures that standard packages overlook.
How We Work With You
A straightforward process designed to reduce paperwork and keep you informed at every stage.
Discover
Share your assets, operations, and priorities in a structured needs review with a Shidoa adviser.
Compare
Receive side-by-side options with coverage limits, deductibles, and premium breakdowns—no hidden fees.
Bind
Sign electronically, store documents in your policy vault, and set renewal reminders that arrive early.
Support
Reach our claims desk anytime. We assign a single point of contact until your file closes.
Questions
Frequently Asked Questions
Clear answers to the topics clients ask about most often during onboarding and renewal.
Most applications require proof of identity, asset details such as property deeds or vehicle registration, and prior insurance history if applicable. Business accounts may include revenue estimates and safety certifications. Your adviser sends a checklist tailored to the products you select so nothing slows approval.
Simple claims with complete documentation often settle within five to ten business days. Complex property or liability files may need assessor visits or third-party reports. Shidoa publishes milestone updates in your online portal and notifies you if additional evidence is required.
Yes. Many changes—adding a driver, increasing contents limits, or registering new business equipment—take effect once endorsed and any premium difference is settled. Some health riders observe waiting periods; your adviser explains timing before you confirm.
Monthly, quarterly, and annual schedules are available. Instalment plans include a small administrative fee disclosed upfront. Auto-debit options reduce missed payments and help keep policies active without lapse notices.
Thirty days before expiry you receive a renewal summary comparing last year’s terms with the upcoming period. Rate changes include explanatory notes. You may accept, adjust limits, or discuss alternatives with your adviser before the effective date.
Compare
Choose Your Coverage Focus
Explore how Shidoa packages differ so you can align protection with your current life stage.
Family Protection Packages
Combine home, contents, motor, and health modules with shared deductibles where permitted. Family bundles include free beneficiary reviews each year and optional education savings riders linked to life coverage. Parents can add personal accident cover for student travel without opening separate policies.
Our family advisers help coordinate coverage between partners, clarify who holds title on insured property, and document guardianship preferences for minor children within life policy records.
Business Continuity Packages
Retailers, clinics, and service firms receive liability limits scaled to foot traffic and contract requirements. Business interruption coverage integrates with property policies so revenue loss calculations follow a consistent method after insured events.
We also offer fleet scheduling for delivery vehicles, workers’ compensation coordination with partner insurers where required, and cyber response plans that include breach notification support.
Retirement Security Packages
Retirees often need adjusted home contents limits, travel medical extensions, and simplified life products that align with estate plans. Shidoa waives certain administrative fees for clients consolidating multiple legacy policies into a managed portfolio.
Health modules emphasize chronic care management, prescription coverage, and optional long-term care riders with benefit periods matched to personal savings strategies.
Voices
What Policyholders Say
Real feedback from clients who relied on Shidoa through everyday milestones and unexpected events.
After a kitchen fire, Shidoa’s adjuster walked us through photos, receipts, and temporary housing options within hours. The settlement matched our policy schedule without surprises.— Elena M., Home Policyholder
We expanded our shop to two locations and needed liability limits revised mid-term. One call updated certificates for our landlords before the grand opening.— Jonas K., Retail Business Owner
My health claim involved specialist visits across three clinics. The online tracker showed each approval stage, and reimbursements arrived on schedule.— Priya S., Health Plan Member
Ready to Review Your Coverage?
Speak with a Shidoa adviser about plans that fit your budget and risk profile.
Get Started Today