Protect Your Property: Home, Landlord & Tenants Cover

Homeowners Insurance

Combined cover for the structure of your home and its contents against fire, theft, flood, accidental damage, and owner liability.

Homeowners insurance is a combined policy covering both the structure of your home and its contents, bringing together what would otherwise be two separate policies under one renewal and one excess. For a typical Nairobi or upcountry homeowner, it is the single most cost-effective way to protect what is usually the family's largest asset.

Mortgage & Bank-Required Home Insurance

Fire and allied-perils cover on your home's structure that satisfies your mortgage lender's condition of loan. HFC, KCB, Equity, Stanbic, NCBA and others. Rated on rebuild value; arranged on WhatsApp.

Most Kenyan mortgage lenders: including HFC, KCB, Equity Bank, Stanbic, and NCBA: require fire and allied-perils insurance on the structure of your home for as long as the loan is outstanding. It is written into the offer letter as a condition of the loan: the bank wants the asset securing its money protected against fire and the major perils, and it usually requires to be noted on the policy as the first loss payee (or co-insured) so any claim is routed through the loan account first. Without valid cover in place, the bank can decline to disburse, or take out its own (usually pricier) policy and bill you for it.

Landlord Insurance

Protects your rental property, rental income, and landlord liability. Designed for the realities of letting in Kenya.

Landlord insurance is the dedicated cover for property you own and let to tenants. It differs from standard homeowners in three important ways: it covers loss of rent if the property becomes uninhabitable after an insured event, it provides landlord-specific liability for tenant and visitor injuries, and it recognises that contents (where any are included in the letting) are typically limited to landlord-owned fixtures rather than tenant possessions.

Tenants / Contents Insurance

Covers your personal belongings inside a rented property against theft, fire, accidental damage, and water leaks.

Tenants insurance (often sold simply as Contents cover) protects your personal belongings inside the property you rent: furniture, electronics, clothing, kitchenware, books, and the everyday possessions that quietly add up to more than most people realise. The landlord's insurance covers the building structure; nothing protects your possessions unless you arrange it yourself.

Airbnb & Short-Let Insurance

Cover built for Kenyan Airbnb hosts and short-let owners: buildings, contents, guest liability, and the rotating-guest risk that standard home and landlord policies exclude.

Short-let and serviced-apartment hosting has boomed across Nairobi, Mombasa, Nanyuki, Naivasha, and Diani, but the insurance market has been slow to catch up, and most hosts are quietly uninsured for the way they actually use their property. A standard homeowners policy is written on the assumption that you, the owner, live in the home; let it to a stream of paying guests and the insurer can treat the risk as undisclosed and decline a claim. An ordinary landlord policy assumes a single long-term tenant on a written lease, not a different guest every few nights booked through Airbnb, Booking.com, or directly.