Urban Ghanaian communities are increasingly exposed to property loss risks due to climate change and urban development projects. A qualitative study employing semi-structured interviews with community leaders, policy makers, and insurance providers to gather insights. Interviews revealed that women's participation in insurance decision-making processes is low, often due to cultural norms. Women are more likely to report property losses but have lower coverage levels than men. Gender-specific insurance products can be designed to improve uptake and effectiveness by addressing these barriers. Insurance companies should engage with local communities to understand gender dynamics in risk perception and decision-making, and tailor their products accordingly.