Buyer Education
Property Insurance for Lahore Homeowners: What to Cover in 2026
11 March 2026·5 min read
Most Lahore homeowners only think about property insurance after a neighbour suffers a loss. The cover is inexpensive relative to construction costs, and the policy structures have improved meaningfully in 2026.
Core covers worth paying for
Fire, theft, and water damage form the standard bundle. Add earthquake cover — it is cheap, and Lahore sits in a moderate seismic zone.
Common exclusions to read carefully
Negligence-related water damage, slow-leak losses, and unoccupied-property claims are the three exclusions that catch most owners by surprise. Read the fine print, especially for rental units.
How to size the cover
Insure for rebuild cost, not market value. A 10 marla rebuild in Central Park currently costs PKR 1.6–2.1 crore; size your sum insured against that, not against the land plus construction price.