Fire & Burglary Insurance

Fire and Burglary Insurance

Fire and burglary insurance is essential for protecting your property against the devastating effects of fire, theft, and related perils. This policy ensures that you are financially safeguarded in the event of damage or loss to your insured property, providing peace of mind in an unpredictable world.

Overview

A fire policy, which serves as basic coverage, protects against damage or destruction to insured property caused by fire, lightning, or explosions from domestic appliances. Additionally, this insurance policy covers buildings and contents against theft that occurs through forceful entry or exit. For compensation to be applicable, there must be evidence of forcible entry into or exit from the premises, meaning that the property must have been broken into or someone must have forcefully escaped.

Benefits of Fire and Burglary Insurance

• Comprehensive Coverage: The policy covers damages caused by fire, lightning, and explosions, ensuring your property is protected from a variety of risks.
• Theft Protection: Coverage includes compensation for theft that occurs through forced entry, helping you recover losses from burglary incidents.
• Repair Costs: The policy also covers the costs of repairing damages to the premises that occur during a theft, ensuring your property is restored to its original condition.
• Extended Coverage Options: You may have the option to extend your coverage to include additional risks, such as damage caused by riots, strikes, or theft following a hold-up.

Required Information for Enrollment

To enroll in a fire and burglary insurance policy, you typically need to provide:

• Property Details: Information about the insured property, including its location and type.
• Identification: A valid Kenyan ID and PIN for verification.
• Property Valuation: An assessment of the property’s value to determine the appropriate coverage amount.