Home Insurance

Home Insurance is a crucial safeguard for homeowners in Kenya, protecting against unexpected events that can lead to financial loss. This insurance provides comprehensive coverage for both the structure of your home and its contents, ensuring peace of mind for you and your family.

Key Features

1. Buildings Coverage
   • Protects the physical structure of your home, including walls, roofs, and outbuildings.
   • Coverage typically includes risks such as fire, theft, vandalism, and natural disasters like floods and earthquakes.
2. Contents Coverage
   • Covers personal belongings within your home, including furniture, appliances, and electronics.
   • Protection against theft, accidental damage, and loss due to fire or other perils.
3. Liability Protection
   • Provides coverage for legal liabilities arising from injuries to third parties or damage to their property while on your premises.
   • This is essential for protecting yourself against potential lawsuits.
4. Additional Benefits
   • Alternative Accommodation: Covers expenses for temporary accommodation if your home is uninhabitable due to an insured event.
   • Domestic Employees Coverage: Protects against accidental injury to domestic staff while working in your home.
   • All Risks Coverage: Optional cover for portable items like jewelry, laptops, and mobile phones.
5. Optional Extensions
   • Coverage can be extended to include political violence, natural disasters beyond standard policies, and specific high-value items with proper valuation.

Pricing Plans

• Basic home insurance plans start from KES 2,000 per year for contents only.
• Comprehensive packages that include both buildings and contents coverage typically range from KES 5,000 to KES 15,000 annually, depending on the value of the insured property and selected benefits.