Home Insurance

Get the best home insurance in minutes

• What it protects against: Damage caused by fire, lightning, explosions, earthquakes, volcanic eruptions, storms, and floods.
• Who needs it: Primarily homeowners and real estate investors. If you are a tenant, the building's structural insurance is the responsibility of your landlord.

• What it protects against: Loss or damage caused by fire, theft following forcible entry, and water damage from bursting pipes.
• What is covered: Furniture, clothing, kitchen appliances, electronics, and utensils.
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• Who needs it: Both homeowners and tenants. As a tenant, buying "Contents Only" insurance ensures your personal belongings are safe if the building faces a disaster.
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• What is covered: Mobile phones, laptops, jewelry, watches, and cameras.
• Note: Items insured under this section usually require an exact valuation and must be explicitly declared in the policy document.

• What it covers: Medical expenses, disability, or death benefits for your domestic staff if they are injured while working at your residence.

• Example: If a visitor slips on a wet floor in your living room and fractures a bone, or if a branch from your tree falls and damages a neighbor’s car, this coverage handles the legal fees and compensation claims.
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• Wear and Tear: Gradual deterioration of the building, rust, corrosion, or damage caused by pests (termites, rodents) is considered a maintenance issue, not an insurable risk.
• Gross Negligence: Leaving your front door wide open or failing to fix a known leaking roof will likely lead to a rejected claim.
• War, Terrorism, and Political Unrest: Standard policies do not cover damages resulting from civil commotion or acts of war. However, in Kenya, you can often buy a political violence and terrorism (PVT) rider as an add-on.
• Unoccupied Homes: If your home is left completely vacant for an extended period (typically more than 30 consecutive days) without prior notification to the insurer, theft coverage may be suspended.
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1. Conduct a Thorough Inventory: Walk through your home and document every asset. Take photos, keep receipts for expensive electronics, and create an accurate estimate of what it would cost to replace everything.
2. Compare Multiple Quotes: Do not settle for the first insurer you find. Compare rates, but more importantly, look at the excess limits (the out-of-pocket amount you pay when filing a claim).
3. Assess the Insurer’s Claim Settlement History: A low premium means nothing if the company rejects valid claims or takes months to process payouts. Look for insurers with a reputation for financial stability and efficiency in Kenya.
4. Read the Fine Print: Understand the distinction between "New for Old" coverage (which pays for a brand-new replacement item) and "Wear and Tear" depreciation payouts.
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