Property Insurance

Homeowners Insurance → Protects your residential building, personal belongings, and personal liability.
Renters Insurance → Protects tenants’ belongings and liability, but not the building.
Landlord Insurance → Protects your rental property structures, liability, and rental income.

Fire, theft, floods and vandalism are common property risks in Kenya. Property insurance protects your home, belongings, and investment properties from such risks that could cause you major financial loss. Whether you are a homeowner, tenant, or landlord, this provides you with financial security and peace of mind.
Political unrest, riots and terrorism have historically caused property damage in Kenya. Political Violence and Terrorism (PVT) extension cover is prudent for landlords, businesses, and homeowners in urban areas. It’s a safeguard against high‑impact events that could otherwise wipe out years of investment.
Repairing or rebuilding a property can be expensive. Property insurance helps cover the cost of repairs or replacement, reducing the financial burden, helping you recover faster after a loss.
For homeowners and renters, property insurance covers furniture, electronics, clothing, and other personal valuables if they are damaged, destroyed, or stolen.
If someone is injured on your property, you could be held legally responsible. Many property insurance policies include liability protection, helping cover medical costs or legal expenses.
For landlords, property insurance will cover loss of rental income if the property becomes uninhabitable due to insured risks like fire, flood or major damage while repairs are being made.

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