Protect Your Property: Home, Landlord & Tenants Cover

What We Cover

5 types of property insurance cover. Each one has its own page with the full policy detail, pricing and claims process.

• Homeowners Insurance

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

  From KES 6,600 a year

  Typical rate

  What it covers

  • Buildings: structure, fixtures, fittings, and built-in fitments
  • Contents: furniture, electronics, appliances, clothing, household goods
  • All-risks items: jewellery, watches, laptops, cameras carried outside the home

  Request a quote for Homeowners InsuranceDetails about Homeowners Insurance

  More about Homeowners Insurance

  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.

  Also covers

  • Fire, lightning, explosion, riot, malicious damage
  • Storm, flood, and tempest damage

  Who it's for

  • Owner-occupied house and apartment owners
  • Owners of holiday homes and second properties
  • New homeowners completing a mortgage purchase

• 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.

  What it covers

  • The building structure: walls, roof, foundations, fixtures and permanent fittings
  • Fire, lightning, and explosion damage to the structure
  • Allied perils: storm, flood, impact, burst pipes, and (where added) earthquake

  Request a quote for Mortgage & Bank-Required Home InsuranceDetails about Mortgage & Bank-Required Home Insurance

  More about Mortgage & Bank-Required Home Insurance

  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.

  Also covers

  • Riot, strike, and malicious damage (RSMD) to the structure
  • The bank's interest, noted as first loss payee or co-insured per the offer letter

  Who it's for

  • Anyone buying a home on a mortgage who must show cover before drawdown
  • Existing mortgage holders whose annual insurance renewal is due
  • Buyers whose bank has asked for a 'fire policy' or cover 'noting the bank's interest'

• Landlord Insurance

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

  What it covers

  • Buildings: structure, fixtures, and fittings of the let property
  • Landlord's contents: fittings, furniture, and appliances supplied to the tenant
  • Loss of rent following an insured peril (typically up to 24 months)

  Request a quote for Landlord InsuranceDetails about Landlord Insurance

  More about Landlord Insurance

  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.

  Also covers

  • Alternative accommodation for displaced tenants (in tenant-fault situations)
  • Landlord's liability for injury or damage caused to tenants and visitors

  Who it's for

  • Owners of single-let residential properties (apartments, houses, maisonettes)
  • Multi-unit apartment block owners
  • Holiday home owners letting short-term

• Tenants / Contents Insurance

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

  What it covers

  • Personal belongings inside the rented property. Furniture, electronics, clothing
  • Kitchenware, appliances, books, and household goods you own
  • Theft involving forcible entry to the property

  Request a quote for Tenants / Contents InsuranceDetails about Tenants / Contents Insurance

  More about Tenants / Contents Insurance

  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.

  Also covers

  • Fire, lightning, explosion, smoke damage
  • Storm, flood, and water leak damage

  Who it's for

  • Long-term tenants in apartments and houses across Kenya
  • Young professionals in their first rentals
  • Students in private rentals near university

• 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.

  What it covers

  • The building structure, where you own it (reinstatement / rebuild value)
  • Furniture, appliances, and furnishings provided for guests
  • Accidental damage caused by paying guests

  Request a quote for Airbnb & Short-Let InsuranceDetails about Airbnb & Short-Let Insurance

  More about Airbnb & Short-Let Insurance

  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.

  Also covers

  • Malicious damage by guests (extension on most short-let policies)
  • Theft of contents, including theft by guests where the policy allows

  Who it's for

  • Airbnb and Booking.com hosts letting whole homes or apartments
  • Owners of serviced apartments and holiday lets (Nanyuki, Naivasha, Diani, the coast)
  • Hosts running a small portfolio of short-let units

Why Choose Vike?

Quotes from Kenya's leading underwriters

Property Insurance FAQs