DoorMaster Launches SECURE+: A New Era for Home and Business Security in Ghana

In a pioneering move for the West African construction and insurance sectors, DoorMaster Ghana has officially launched SECURE+, a revolutionary product that seamlessly integrates premium-grade security doors with complimentary homeowner’s insurance. This initiative, backed by Star Assurance, addresses a critical gap in the market by offering a dual-protection model against physical breaches and financial loss from perils like fire, burglary, and flooding. This article provides a comprehensive, SEO-friendly analysis of this development, its implications for Ghanaian property owners, and the practical steps to leverage this innovation.

Introduction: Redefining Property Safety in Ghana

The launch of DoorMaster SECURE+ marks a significant milestone in Ghana’s real estate and risk management landscape. Traditionally, securing a property involved two separate, often disconnected, processes: installing physical barriers (like doors and windows) and purchasing a separate insurance policy. SECURE+ collapses these into a single, cohesive offering. For the first time in Ghana, purchasing a high-security door automatically triggers a basic level of property insurance, creating a more holistic and user-friendly approach to asset protection. This model responds directly to growing urban security concerns and climate-related risks, positioning itself as a proactive solution rather than a reactive one.

Key Points: What You Need to Know About SECURE+

The core innovation of SECURE+ lies in its bundled value proposition. Here are the fundamental pillars of the offering:

• Dual-Layer Protection: Combines physical security (the door) with financial risk transfer (insurance) in one package.
• Insurance Backing: The included policy, facilitated by Star Assurance, covers damages from specified perils including fire, burglary, and flood.
• Premium Door Specifications: Utilizes DoorMaster’s existing Royal and Special Series, known for reinforced construction and advanced locking mechanisms.
• Nationwide Accessibility: Available through DoorMaster Ghana’s network of 15 branches across the country.
• Target Audience: Designed for homeowners, real estate developers, architects, and commercial property investors.

The Physical Security Component: Engineering for Ghana’s Context

The SECURE+ door is not a standard product; it is selected from DoorMaster’s high-performance ranges. Key features include a reinforced steel core, multi-point locking systems that engage at multiple points along the door frame, anti-pry hinges to prevent forced entry, and smart lock compatibility (supporting fingerprint, facial recognition, and passcode access). Finishes are treated to be anti-fade and weather-resistant, a crucial adaptation for Ghana’s tropical climate with its intense sun and rainfall.

The Financial Security Component: Understanding the Insurance Layer

The integrated insurance is a complimentary policy. While exact coverage limits, deductibles, and specific terms require review of the policy document provided at purchase, it fundamentally provides a financial payout in the event of a covered loss. This acts as a critical safety net, helping homeowners and businesses recover and rebuild after a devastating incident, thereby addressing the financial aftermath that a strong door alone cannot prevent.

Background: The Convergence of Two Industries

The launch event brought together an unusual but logical alliance: architects, insurance executives, real estate developers, and community leaders. This cross-sector attendance highlights the product’s potential to influence multiple industries.

The Ghanaian Property Market Dynamics

Ghana’s urban centers, particularly Accra and Kumasi, are experiencing rapid development and rising property values. Concurrently, concerns about property crime and the impact of climate change (leading to more frequent and severe flooding in certain areas) are growing. Traditional security measures are often seen as insufficient, and the process of securing separate insurance can be cumbersome or overlooked. SECURE+ aims to mainstream risk mitigation by making it an inherent part of the property upgrade process.

The Insurance Penetration Challenge

Like many emerging markets, Ghana has a relatively low insurance penetration rate. Many homeowners and small businesses operate without adequate coverage due to perceived cost, complexity, or a lack of awareness. By bundling a basic policy with a tangible, high-value product (the door), DoorMaster and Star Assurance are using a “Trojan horse” strategy to increase the adoption of insurance products, educating consumers on its importance through a familiar purchase.

Analysis: Strategic Implications and Market Impact

This launch is more than a product announcement; it’s a strategic play with wide-ranging implications.

For DoorMaster: Brand Differentiation and Market Leadership

DoorMaster transitions from being a door manufacturer/retailer to a comprehensive property protection solutions provider. This creates a powerful competitive moat. Competitors selling doors cannot easily replicate the insurance partnership, and insurance companies lack the physical product distribution. This move cements DoorMaster’s position as an innovator and could drive significant market share growth and customer loyalty.

For Star Assurance: Innovative Distribution and Trust Building

Star Assurance gains direct access to a large, pre-qualified customer base—people already investing in property security. The partnership allows them to demonstrate their products in a tangible context, building trust. It also represents a form of bancassurance (or in this case, “retailer-assurance”), a proven model for expanding insurance reach through existing retail networks.

For the Consumer: Simplified Decision-Making

The primary benefit is simplification and added value. For a homeowner replacing a door, the choice becomes clearer: opt for a standard door and seek separate insurance, or choose SECURE+ for an enhanced door with insurance included. This reduces the “friction” and perceived complexity of obtaining insurance, potentially increasing coverage rates among Ghanaians.

Potential Challenges and Considerations

Success will depend on clear communication. Key questions for consumers include: What are the exact coverage limits and exclusions of the included policy? How are claims filed and processed? Is the insurance automatically renewable, and at what cost after the initial complimentary period? Transparency on these points is crucial for building long-term trust. Furthermore, the model’s scalability depends on the profitability and risk management alignment between DoorMaster and Star Assurance.

Practical Advice: How to Engage with the SECURE+ Offering

For potential customers, here is a structured approach to evaluating and purchasing SECURE+.

Step 1: Self-Assessment of Your Needs

Evaluate your property’s specific risks. Are you in a flood-prone zone? Is burglary a primary concern in your neighborhood? Is fire safety a priority (e.g., for a kitchen-heavy business)? Understanding your risk profile will help you assess whether the standard SECURE+ policy coverage is sufficient or if you need to discuss supplemental insurance with Star Assurance.

Step 2: Visit a Branch for a Consultation

With 15 branches nationwide, accessibility is high. Schedule a visit to see the door models (Royal and Special Series) firsthand. Request to see the full insurance policy document. Ask specific questions:

• What is the sum insured (coverage amount)?
• What perils are covered/excluded?
• What is the deductible (excess) per claim?
• What is the claims process and who is the contact at Star Assurance?
• Is the insurance for the property structure, contents, or both?
• What is the policy term (e.g., 1 year), and how is renewal handled?

Step 3: Understand the Total Value Proposition

Do not just compare the door price to a standard security door. Calculate the implied value of the complimentary insurance. If you were to purchase a similar standalone homeowner’s policy, what would it cost annually? This “free” insurance is a significant part of the product’s value and should be factored into your cost-benefit analysis.

Step 4: For Developers and Architects: Specify SECURE+ in Projects

Real estate developers can use SECURE+ as a unique selling proposition (USP) for their projects. Specifying SECURE+ doors in residential or commercial builds immediately elevates the project’s perceived security and value proposition. Architects can integrate these doors into their design specifications, offering clients a turnkey security solution.

FAQ: Frequently Asked Questions About DoorMaster SECURE+

What exactly is DoorMaster SECURE+?

SECURE+ is a bundled product combining a high-security DoorMaster door (from the Royal or Special Series) with a complimentary property insurance policy from Star Assurance, covering losses from fire, burglary, and flood.

Is the insurance completely free?

The insurance is included with the purchase of the SECURE+ door at no additional upfront cost. However, it is a standard insurance policy with a defined term (e.g., one year). Renewal after the initial term will likely involve a premium payment, the details of which should be confirmed with Star Assurance.

What is the process for filing an insurance claim?

In the event of a covered loss, the policyholder should contact Star Assurance directly to initiate the claims process. The specific steps, required documentation (e.g., police report for burglary, fire brigade report for fire, flood assessment), and contact details will be provided in the policy document issued at the time of door purchase.

Can I choose a different DoorMaster door model?

The SECURE+ package is specifically defined for certain premium models (currently the Royal and Special Series). You cannot substitute a different, lower-tier door model and still receive the insurance component. The offering is a fixed bundle.

Does the insurance cover the door itself if it’s damaged during a break-in?

This is a critical detail to confirm in your policy. Typically, a homeowner’s or property insurance policy covers the structure and its contents. The door, as part of the structure, would likely be covered for damage resulting from a covered peril (like a forced entry during a burglary or fire damage). However, the policy may have specific conditions or sub-limits. Always review the policy wording.

Is this available for commercial properties?

Yes. The product is marketed for both homeowners and business owners. Commercial property insurance has different underwriting criteria. It is essential to discuss your specific business use with DoorMaster and Star Assurance to ensure the coverage is appropriate for commercial risks.

How does this compare to buying a door and insurance separately?

The primary advantage is convenience and potentially a better-integrated service. The bundled nature may also offer a cost advantage, as the insurance is provided at a group rate through the partnership. The key is ensuring the coverage limits and terms of the bundled policy meet or exceed what you could get separately.

Conclusion: A Model for the Future of Integrated Safety

The launch of DoorMaster SECURE+ is a strategically brilliant and consumer-centric innovation. It acknowledges that true security is multidimensional—encompassing both the physical barrier and the financial resilience to recover from a loss. By partnering with an established insurer like Star Assurance, DoorMaster has transcended its role as a mere product vendor to become a partner in its customers’ peace of mind.

For Ghanaian property owners, this represents a simpler, more robust path to comprehensive protection. For the industries involved, it sets a new benchmark for cross-sector collaboration. The success of this model will depend on transparent communication, efficient claims handling, and the reliable performance of the doors themselves. If executed well, SECURE+ could inspire similar integrated security-financial products across Africa and other emerging markets, fundamentally changing how we think about protecting our homes and investments.

Sources and Further Reading

• DoorMaster Ghana Official Website: www.doormasterghana.com
• Star Assurance Company (Ghana) Limited – Company Profile and Product Information.
• National Insurance Commission (NIC) of Ghana – Reports on Insurance Penetration and Market Development.
• Ghana Statistical Service (GSS) – Data on Urbanization, Housing, and Construction.
• National Disaster Management Organization (NADMO) – Reports on Flooding and Fire Incidents in Ghana.
• Original Press Release (Life Pulse Daily, February 17, 2026): Provided as source material for factual events.

Disclaimer: The information in this article is based on the official launch announcement and publicly available data. Specific terms, conditions, coverage limits, and exclusions of the SECURE+ insurance policy are governed by the legal contract issued by Star Assurance. Prospective buyers must read and understand the full policy document before purchase. The views expressed in the analysis section are the author’s independent evaluation based on the available facts. This article does not constitute financial or legal advice.