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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.

Home Owner Insurance Benefits
Buildings
The policy provides you insurance coverage for the building against loss resulting from the following:

  • Fire
  • Escape of water from storage facilities
  • Lightning
  • Bursting or overflowing of water tanks
  • Earthquake
  • Falling trees
  • Storm
  • Riot and strike
  • Flood
  • Explosion from domestic gas cylinders
  • Accidental impact to the building
  • Impact from aircrafts or other aerial devices

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.

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:

  • Camera
  • iPads
  • Mobile phones
  • L.E.D and Plasma TVs
  • Laptops
  • Electrical installations e.g.DSTV, alarm systems e.t.c
  • Jewelry
 

Additional Benefits

• Cost of accessing alternative accommodation following an insured event not exceeding 10% of the sum insured.
• Mobilization (initial payment) at 10% of value of contents / building to the affected insured in the event of fire or theft
• Cost of debris removal following a fire up to Kshs 200,000/-
• Fire brigade charges up to Kshs 200,000/-
• Cost of replacing damaged grilles following a burglary Kshs 5,000/-
• Loss of personal money up to Kshs 5000/- following fire or burglary
• Damage to guest effects up to Kshs 20,000/- for any one event.
• Emergency medical expenses following 

• 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. 

Premiums Schedule:

Building Sum Insured (A)
Ksh 1,000,000 to 3,000,000
Ksh 3,000,001 to 5,000,000
Ksh 5,000,001 to 7,000,000
Ksh 7,000,001 to 9,000,000
Ksh 9,000,001 to 11,000,000
Ksh 11,000,001 to 13,000,000
Ksh 13,500,001 to 15,000,000
Ksh 15,000,001 to 17,000,000
Ksh 17,000,001 to 19,000,000
Ksh 19,000,001 to 21,000,000
Ksh 21,000,001 to 23,000,000
Ksh 23,000,001 to 25,000,000
Premium
3,500
5,400
8,400
11,000
13,800
16,500
19,200
21,900
24,600
27,300
30,000
32,700
Total Contents (B)
Ksh 100,000 to 200,000
Ksh 200,001 to 300,000
Ksh 300,001 to 400,000
Ksh 400,001 to 500,000
Ksh 500,001 to 600,000
Ksh 600,001 to 700,000
Ksh 700,001 to 800,000
Ksh 800,001 to 900,000
Ksh 900,001 to 1,000,000
Ksh1,000,001 to 1,100,000
Ksh 1,100,001 to 1,200,000
Ksh 1,200,001 to 1,300,000
Premium
1,700
2,550
3,400
4,250
5,100
5,950
6,800
7,650
8,500
9,350
10,200
11,050
Total All Risk Items (C)
Ksh 50,000 to 100,000
Ksh 100,001 to 150,000
Ksh 150,001 to 200,000
Ksh 200,001 to 250,000
Ksh 250,001 to 300,000
Ksh 300,001 to 350,000
Ksh 350,001 to 400,000
Ksh 400,001 to 450,000
Ksh 450,001 to 500,000
Ksh 500,001 to 550,000
Ksh 550,001 to 600,000
Ksh 600,001 to 650,000
Premium
1,700
3,125
4,375
5,625
6,875
8,125
9,375
10,625
11,875
13,125
14,375
15,625

 

Note
• Part C (All Risk) cannot be taken without part B (Contents)
• Please select rates from the three premium schedules below, A, B or C that corresponds to the value of your building, contents or all risk items.

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