Landlord Insurance Cover

Landlord Insurance Cover

Landlord Insurance Cover

We offer this cover upon buildings that are owned solely for rental purposes. This policy is subject to Terms and Conditions


* Student hostels are not covered for riots and strikes


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The policy provides you insurance coverage for the building against loss resulting from the following:

  1. Fire

  2. Lightning

  3. Earthquakes

  4. Storms

  5. Floods

  6. Accidental Impact to the building

  7. Bursting / Overflowing of water tanks

  8. Escape of water from storage facilities

  9. Falling trees

  10. Riot and strike,

  11. Explosions from domestic gas cylinders

  12. Impact from aircrafts or other aerial devices

Electrical installations

Unless the risk is specifically excluded, the policy will cover the following Electrical installations against all risk:

  1. CCTV /Alarm systems
  2. Satellite Dishes e.g DSTV
  3. Water Pumps and Electric Fences

Electrical installations will form part of the sum insured but will need to be captured separately at application.


In addition to the benefits above, the policy can also cover the following:

  1. Loss of rental income
  2. Contents for fully furnished rental apartments/ homes
  3. Mortgage monthly loan installment

Additional Benefits

And that’s not all. Under this Cover, we offer you the following added benefits:

  1. Deposit refunds for tenants in the event of an insured peril rendering the building un-inhabitable (Initial mobilization payment to be deducted from the final payment provided.
  2. Fire brigade charges upto Kshs200,000/-

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

  4. 10% discount on premium for the landlord’s personal home insurance

  5. 10% discount on Contractor all risk / Construction Insurance for all future developments

  6. 10% Cash back for paid premiums after three years if the first three years are without claim

Cover for caretaker of building

  1.  We will provide cover against legal liability arising as a result of accidental death or bodily injury occurring to the employee. This also includes medical and funeral expenses.Third party liabilities
  2. We will provide cover for legal liability that may arise from accidental bodily injury or damage to property, in connection with the ownership of the building.
  • Landlord Insurance Cover