Home Owners Insurance

Home Owners Insurance

Home Owners Insurance

Our comprehensive, tailor made and affordable Home Owners Insurance Solution enables you as a home owner or tenant to enjoy the benefits of several policies in a single package.

We offer this policy only on buildings that are occupied solely as a private dwelling houses. It is subject to terms and conditions.


Contents of all description

We will also provide insurance against loss or damage to furniture, electronics, cutlery, crockery and
all other contents of all description against losses resulting from the perils in buildings.


1 Fire

2 Lightning

3 Earthquake

4 Storm

5 Flood

6 Accidental impact to the building

7 Bursting or overflowing of water tanks

8 Escape of water from storage facilities

9 Falling trees

10 Riot and strike

11 Explosion from domestic gas cylinders

12 Impact from aircrafts or other aerial devices

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Cover for personal items

We will also provide cover for loss or damage to the following specified personal effects against all risks, unless those personal effects are specifically excluded:

  1. Camera
  2. Mobile phones
  3. Laptops
  4. Jewelry
  5. iPads
  6. L.E.D and Plasma TVs
  7. Electrical installations e.g. DSTV,
  8. Alarm systems e.t.c

Additional Benefits

  1. Cost of accessing alternative accommodation following an insured event not exceeding 10% of the sum insured.

  2. Mobilization (initial payment) at 10% of value of contents / building to the affected insured in the event of fire or theft

  3. Cost of debris removal following a fire up to Kshs 200,000/-

  4. Fire brigade charges up to Kshs 200,000/-

  5. Cost of replacing damaged grilles following a burglary Kshs 5,000/-

  6. Loss of personal money up to Kshs 5000/- following fire or burglary

  7. Damage to guest effects up to Kshs 20,000/- for any one event.

  8. Emergency medical expenses following assault during burglary up to 20,000/-

    Premiums Schedule

  9. 10% cash back for paid premiums after 3 years if the first three years are without a claim.

Domestic employees

We will cover you against legal liability to you as the employer from accidental death occurring to your domestic employees, including funeral expenses,while in there normal duties.

Third Party Liability

We will provide cover for legal liability that may arise from accidental bodily injury or damage to property in connection with the ownership and / or occupation of the residence by the insured person or his household.

  • Home Owners Insurance