Home Insurance

Home Insurance Providers in Kenya

Resolution Insurance

The Resolution Kenya home insurance cover is designed to cover the house, contents domestic employees as well as protects the owner against legal costs arising from incidents or accidents.

Benefits
Resolution Home Insurance Policy gives indemnity to restore/compensate you against losses or damage arising from any of the following causes:

  • Fire, lightning, earthquake, storm or floods,
  • Explosion of domestic appliances,
  • Riots & strikes and malicious damage,
  • Damage caused by falling aircraft or other aerial devices,
  • Bursting or overflowing or water tanks apparatus or pipes,
  • Impact by vehicles, animals and falling trees or branches,
  • Accidental death or injuries to domestic employees,
  • Legal costs arising out of acts or omissions of the owner of occupier,
  • Loss, accidental damage, and or theft of items covered.

A - Buildings

Covers a private dwelling house or private flat including domestic outbuildings, fixtures and fittings walls, gates and fences all on the same premises.

B - Contents

Covers loss or damage to personal belongings like furniture, household goods, electrical equipment and other personal items if they are stolen, destroyed by fire or other insured event.

C - All Risks

Covers items that are taken out of the house like jewellery, laptop computers, mobile phones, cameras etc.

D - Workmen Injury Benefit Act

WIBA cover for both indoor and outdoor domestic servants. 2 workers are covered for free.

E & F - Owners & Occupiers Liability

Covers legal liability in respect to third party injury or damage to property parties arising from the insured’s negligence as owner or occupier of the property insured under the policy.

How to Claim

  • Notify the nearest police station for all losses.
  • Notify Resolution Insurance of the claim and submit all relevant documents.
  • Resolution Insurance will then process the claim
  • Admissible Claims are piad within 7 days of signing discharge voucher.

Special Conditions / Exclusions

  • No one article shall be deemed of greater value than 5% of the Total Sum Insured on the Contents or Kshs. 50,000/= unless such article is specifically listed in the schedule.
  • The total value of Platinum, Gold and Silver articles, Jewellery and Furs shall not exceed ONE-THIRD of the Total Sum Insured on Contents unless specially agreed herein and accompanied by Valuation Certificates.
  • Un-occupancy – 7 days for contents, 30 days for buildings (Subject to the building being under the care of a caretaker at all times)
  • Terrorism & Political Risks Exclusion
  • Mechanical or Electrical Breakdown
  • Wear and Tear, Depreciation, Atmospheric Conditions
  • Breakage of Glass or Articles of Brittle Nature unless caused by Fire or Theft
  • Excess on Section C only: 10% each and every loss minimum KES. 2,000
Jubilee Insurance

Home Insurance also known as Domestic package provides protection to house plus possessions (building, electronics, furniture, clothes, mobile phones etc.) if stolen or damaged.

We also provide personal accident cover for your house assistant, protecting you from any accidental liability. Let’s cover what you love and what you have worked hard to build and continuously ensure your house always remains a home for you and your family.

Benefits at a glance

  1. Damages caused by Fire
  2. Accidental Damage
  3. Liability to Third Parties
  4. Theft
  5. Occupational accidents
  6. Burglary

 

Housing Finance Group

Domestic Package Insurance

 

Our Domestic package policy covers a private dwelling house or private flat and its contents, owners and tenants’ legal liability and domestic servants.

It provides cover for the following;

 

Section A-Buildings

  • Under this section we cover loss of or damage to a private dwelling house or a private flat including domestic outbuildings, landlord’s fixtures and fittings, walls, gates and fences on the same premises caused by:
  • Fire and natural causes such as earthquakes, storms and tempests, lightning, and floods;
  • Human causes such as riots and strikes, malicious damage, and theft;
  • Chemical related, that is exposure e.g of domestic gas cylinders and
  • Miscellaneous causes, including bursting and overflowing of water tanks, apparatus, pipes, impact by road vehicles and animals not belonging to or under control of the insured or their agents.

 

Section B-Contents

Under this section we cover loss of or damage to furniture, household goods and personal effects of every description the property of the insured or any member of his family normally residing with him and fixtures and fittings, which the insured's owns or for which he is legally responsible not being landlord’s fixtures and fittings.

Section C-All risks

  • Under this section we cover loss of or damage to property (portable items such as cameras, radios, jewellery, and sports kits) insured by any cause/peril not specifically excluded in the policy.
  • This is a very wide cover and insures will often want the items listed with a value indicated for each.
  • Whenever wherever you are we shall cover your All risks Items worldwide.

 

Section D-Workmen compensation

  • Under this section we shall cover your employees for injuries or death or disease that arises out and in the course of employment.
  • We shall cover your domestic servants like house-help, watchman, ground men, gardeners and drivers.

 

Section E-Owners’ liability

  • Under this section we shall pay liabilities at law or compensate you in respect of;
  • Accidental bodily injury (including illness) to any person other than a member of your family or household or a person in his service at the time of the occurrence giving rise to the injury.
  • Accidental loss or damage to property Accidental loss or damage to property belonging to third parties and not those in your custody or of a member or your family or household or a person in your service.

 

Section F-Personal/occupier’s liability

  • Under this section we shall compensate you against liability at law in respect of:
  • Accidental bodily injury (including illness) to any person other than a member of your family or household or a person in your service at the time of the occurrence giving rise to the injury.
  • Accidental loss or damage to property belonging to third parties and not those in your custody as the insured or of a member or your family or household or a person in his service.

 

Requirements

  • Duly completed and signed proposal form
  • Company certificate of registration
  • PIN certificate for the company
  • List, names and location of the items insured
  • Schedule of the contents and their values to be insured.
  • Serial numbers of the items insured.
  • For buildings the Location of the structure i.e Land Reference Number(LRNO)

 

Target Group

Our policy is ideal for:

  • Non-financed Individual home owners.
  • Financed/Mortgage customers.
  • Individuals leaving in rented premises to cover their contents of every description.
  • Individual owners of private flats.

 

FAQ’S ON HOME OWNERS

What is home insurance? 

Home insurance cover comes in two parts – buildings insurance and contents insurance. You can choose either one or both of these based on your needs.

Buildings cover insures your bricks and mortar for events like fire and weather damage, while contents cover could protect your belongings against problems like theft, damage and loss.

Buying a combined policy from the same insurer can often be cheaper than getting two separate policies. 

Is it essential to have home insurance? 

If you’re a homeowner, most mortgage lenders insist you have buildings cover in place to protect their investment.

You don’t usually need buildings cover if you’re renting, but you may want contents insurance to help cover the cost of replacing your things if you suffer a loss.

Why would I need to take out a joint home insurance policy? 

Adding a joint policyholder allows the other person to make a claim, so it’s not only you who can deal with communications with your insurer.Under some circumstances it can also lower your premium.

What is accidental damage cover and do I need it? 

Most insurers define accidental damage as an unintentional one-off incident that harms your property or its contents. Most standard policies cover key items like home entertainment, but there may be varying exclusions depending on your insurer. Your need depends on your circumstances – many accidental damage claims come from people with young children.

It’s also important to know what’s covered under your standard policy. Checking the small print is the best way to make sure you’ve got adequate cover.

Do I have to get my buildings insurance through my mortgage provider? 

Yes - Most mortgage lenders negotiate competitive terms with specific underwriters for their mortgage schemes and thus make it a mandatory requirement of your mortgage contract to insure through the list provided.

What should I include in my contents cover? 

As a rule of thumb, anything you’d take with you if you moved house should be included on your contents policy – including items like curtains and carpets. It’s worth taking the time to go around your house from room to room and putting a reasonable value on everything.

It’s easy to underestimate the value of your contents, but it’s important to make sure you’re not under-insured. 

Should I increase my excess to make my policy cheaper? 

The golden rule of voluntary excess is to make sure you know what you can afford to pay if you have to make a claim.The more you agree to pay towards a claim, the less cost there would be for your insurer, so they may reduce your premium accordingly.

But beware - setting an unreasonably high voluntary excess may save you a few shillings on your premium in the short term, but if ever you need to make a claim, you could find yourself with a large bill to settle before your insurer will pay out.

If I don't let my insurer know about changes could this affect my cover? 

Potentially, yes.

For example, if you’ve told your buildings insurer that your roof is in good repair, they will base your premium on the known risk of storm damage happening to the average roof.

But if, in fact, your guttering is already falling off, or your tiles are coming loose, then there’s a greater than average risk of damage happening during a storm – something your insurer hasn’t covered against on your original premium.

As the full risks weren’t disclosed, you’re effectively insuring higher risks at a cheaper price, which could invalidate your policy and leave you without a pay out in the event of a claim.

Can I cover myself against damage by pets? 

Most home insurance policies don’t cover damage caused by pets as standard. 

Does home insurance apply to me if I rent? 

As the owner, your landlord will be responsible for the maintenance of the building, so it’s down to them to ensure their property is protected with buildings insurance.

But you’re responsible for any contents inside that you own. If anything were to happen to your possessions, you would liable yourself for the cost of replacing them.

What if my situation changes, such as building an extension or buying expensive furniture? 

You need to inform your insurer of any changes to your building and/or your contents which may impact on the cover you have.The key point to remember is that your contract with your insurer is based on mutual disclosure of information – they charge you a “fair” premium, based on the risks you’ve made them aware of. If these risks change, so too does the value of a “fair” premium.

If in doubt, ask your insurer. The time taken for a quick phone call could save any problems that arise in the event of a claim.

What if I need a quote for an unoccupied property? 

If the property you’re quoting for is empty, then on the first page of the quotation process (‘About You’) you’ll need to enter your main home address.

On the second page (‘The Property’) you’ll then need to confirm that the property you’re insuring is not your home address. You can then select that the property is left unattended for more than 60 days at a time.

Be aware though that an unoccupied home often falls outside the underwriting criteria of our home insurance panel, so you’re likely to receive fewer quotes than usual.

How do I get a quote for a property I let? 

If you’d like a quote for a property you own but rent out to tenants, try our landlord's insurance page.

Why did my price increase when I went to the insurance provider’s site? 

Insurance providers may offer you additional services, such as political violence and terrorism cover or home emergency cover. If you choose to add any of these to your policy, the price may increase. Your price can also increase if you change any of your details, such as your occupation or your excess amount. It’s therefore important that you check your policy details carefully to make sure it’s exactly as you entered it on.

NIC Insurance Agents

Sleep soundly knowing that your home is protected. With NIC Insurance Agents you can insure your household valuables such as furniture, televisions, fridges, toasters, beds, camcorders, jewelry and so on.

Our home insurance package covers the following areas:

  1. The Building – Covered against fire, lightning, earthquake, volcanic eruption, explosion, storm, aircraft crash on property, water damage and any impact caused by any road vehicle not belonging to you.
  2. All contents – All furniture, electronics, clothing, etc. The list is endless! These are covered against fire and burglary
  3. All Risks (Portable items) – Covers all your personal effects during travel, cameras, watches, jewelry, laptops, computer accessories, cell phones, spectacles.
  4. Workers Injury Benefits Act (WIBA) – This is provided where a domestic worker is employed by the insured e.g. cooks, house helps, drivers, watchmen etc. and helps to compensate the employee for injuries sustained at work.
  5. Owner/ Personal Liability – An extension cover that protects you for legal liability claims that may occur arising from accidental bodily injury to third parties and/or accidental loss or damage to their property while on or about the premises.

In addition, you get several free extensions of cover such as golfing liability, deep freezer contents, forced ATM withdrawal, guest and employees’ effects. All these and more through competitive pricing, simple documentation and quick turnaround time.

Allianz Insurance

Imagine arriving home one day only to meet an army of firefighters battling flames from your burning house? Imagine the risk of finding your main door swaying lazily, with your entire house ransacked, despite having double checked the locks before you left? Imagine unlocking your main door and finding furniture floating around your sitting room after heavy rains.

Where would you start? Re-investing in what you have lost? Whether rented or owned, your home is the most important place on earth for you and your family.

This is why you must get an effective domestic package cover for it.

We offer domestic package insurance covers designed to protect you from the devastation of your house and your belongings that can arise from several causes including Fire.

The great news is that whether you are a Tenant, a Landlord or a Homeowner we have several options designed to meet your needs, at price points that make sense. Simplicity, flexibility and affordability for your peace of mind!

We are keen to bring you peace of mind, so protect yourself by choosing one of the pre-packaged products below that best suits your needs.

Are you renting?

 
This covers your movable possessions that are normally used within and outside the home including furniture, household goods, appliances, cameras, phones, laptops and other personal effects. The solution offers financial compensation for:

  • Loss or damage to the contents through Fire, Lightning, Thunderstorm, Earthquake, Volcanic Eruption, explosion, impact to the building from external force, bursting or overflowing or escape of water from tanks or pipes, theft or attempted theft
  • Loss or damages to the contents caused by riots, strikes, civil commotion or malicious damage
  • Loss or damage to the landlord fixtures and fittings
  • Loss or damage to your contents whilst temporarily removed from your normal residence
  • Costs incurred for fire brigade, debris removal, emergency home repairs and alternate accommodation
  • Accidental damage to breakable items like television sets, glass-top tables, wall clocks and glass cabinets

Are you a landlord?

This covers the main building together with your fixtures and fittings and any walls, gates, fences, terraces, patios, drives, paths, garages and servant quarters. The solution offers financial compensation for:

  • Damage to the building through Fire, Lightning, Thunderstorm, Earthquake, Volcanic Eruption, explosion, impact to the building from external force, bursting or over owing or escape of water from tanks or pipes, theft or attempted theft.
  • Damages caused by riots, strikes, civil commotion or malicious damage.
  • Costs incurred for fire brigade, alternative accommodation and debris removal.

Own the home you live in?

You want to protect your building and your belongings. We cover your building, together with your fixtures and fittings, as well as gates, fences, terraces, patios, drives, paths, garages and servant quarters; we also cover your movable possessions that are normally used within or outside the home including furniture, household goods, appliances, cameras, phones, laptops and other personal effects. You will be compensated for:

  • Loss or damage through Fire, Lightning, Thunderstorm, Earthquake, Volcanic Eruption, explosion, impact to the building from external force, Bursting or over owing or escape of water from tanks or pipes, theft or attempted theft
  • Loss or damages caused by riots, strikes, civil commotion or malicious damage
  • Loss or damage to your contents whilst temporarily removed from your normal residence
  • Costs incurred for fire brigade, debris removal, emergency home repairs and alternate accommodation
  • Accidental damage to breakable items like television sets, glass-top tables, and wall clocks
Next Insurance

Buying home insurance or Domestic Package insurance Kenya will simplify the research work of the insured. No need to knock on the door of insurers to inquire about their rates and guarantees.

From now on, the subscription of domestic package insurance Kenya is done quickly on the Internet, all without having to move. You can in just a few clicks cancel your old home in favor of a new one better adapted to your profile. Accessible at any time of the day, the comparison services and subscription are easy to use. And our experts are doing their best to make the search for your home insurance online more flexible and practical.

Understand How Home Insurance Works in Kenya

A home insurance cover kenya that allows the insured to protect his home from any type of disaster: fire, water damage, natural disasters, theft and burglary etc.

Optionally, home insurance can also cover outdoor facilities such as your garden, cover the damage of your garden or 2 animals or defend you for free in case of dispute with the legal protection guarantee.

If You Are a Renter

A renters home insurance in Kenya is mandatory. It covers your movable possessions that are normally used within and outside the home including furniture, household goods.

If You Are an Owner

We cover your building, together with your fixtures and fittings, and other movable possessions that are normally used within or outside the home.

How to Buy Home Insurance Online in Kenya

Before subscribing to domestic package insurance online in Kenya, it is important to have carefully selected the content of the contract according to your needs.

You must, therefore, pay attention to the price of your insurance, as well as its guarantees (mandatory and optional), any exclusions, deductibles applied or the general and special conditions of the contract.

The home insurance cover Kenya is at least mandatory liability, which covers any damage caused by the occupants of your home to a third party. Then come to the basic guarantees already included in the contract:

Fire Warranty

Water Damage Guarantee

Natural Disaster Guarantee

Flight & Burglary Guarantee

Ice Break Guarantee

Guarantee Attacks & Terrorist Acts

Lastly, the optional guarantees cover you more specifically and depend on your situation. If you have a swimming pool, a garden, a chimney, a dog considered dangerous (category 1 or 2) or a lot of appliances, you will have the possibility to take out special insurance for each of these cases.

It's up to you to decide which guarantee can best protect your home before taking out home insurance online.

 

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