Your home is your greatest asset. Protect your building, contents and household against fire, burglary, floods and accidental damage — cover for homeowners, tenants and landlords alike.
Home insurance in Kenya can be structured to cover the building, your belongings, and liability to others. Understanding the options helps you avoid gaps and choose the right level of protection.
Covers the physical structure of your home — walls, roof, floors, fixed fittings and outbuildings — against perils like fire, storm, flood and malicious damage.
Covers your household belongings — furniture, electronics, appliances, clothing and valuables — against theft, fire and accidental damage inside and outside the home.
Protects you financially if someone is injured or their property is damaged on your premises. Includes owner/occupier liability, tenant's liability, and domestic worker protection.
Not sure what level of cover you need? Our brokers can compare insurer terms, reinstatement values, excess amounts, and exclusions before you decide.
Our licensed brokers will compare home insurance options across Kenya's top insurers and recommend the right level of building, contents and liability cover for your property.
Home insurance is not legally required in Kenya, but most mortgage lenders insist on at least building cover as a loan condition. Even without a mortgage, it protects one of your most valuable assets from fire, burglary, flood, and accidental damage.
Building cover protects the physical structure — walls, roof, floors, and fixed fittings. Contents cover protects your belongings inside the home such as furniture, electronics, and appliances. Most comprehensive home policies bundle both together.
Many standard policies cover storm and water damage, but specific flood cover depends on the insurer and the location of your property. If your area has known flood risk, we can help you find a policy that explicitly includes it.
Yes. Tenants can take out contents cover and tenant's liability insurance to protect their belongings and cover accidental damage to the landlord's property. The building itself is the landlord's responsibility to insure.