Buying home insurance Kenya will simplify the research work of the insured. No need to knock on the door of insurers to inquire about their rates and guarantees.
From now on, the subscription of domestic package insurance Kenya is done quickly on the Internet, all without having to move. You can in just a few clicks cancel your old home in favor of a new one better adapted to your profile. Accessible at any time of the day, the comparison services and subscription are easy to use. And our experts are doing their best to make the search for your home insurance online more flexible and practical.
A home insurance cover kenya that allows the insured to protect his home from any type of disaster: fire, water damage, natural disasters, theft and burglary etc.
Optionally, home insurance can also cover outdoor facilities such as your garden, cover the damage of your garden or 2 animals or defend you for free in case of dispute with the legal protection guarantee.
a renters home insurance in Kenya is mandatory, except in the case of a furnished or seasonal rental and function housing.
there are two cases. Indeed, it is the type of property that determines whether homeowners insurance is mandatory or not.
Before subscribing to domestic package insurance online in Kenya, it is important to have carefully selected the content of the contract according to your needs.
You must, therefore, pay attention to the price of your insurance, as well as its guarantees (mandatory and optional), any exclusions, deductibles applied or the general and special conditions of the contract.
The home insurance cover Kenya is at least mandatory liability, which covers any damage caused by the occupants of your home to a third party. Then come to the basic guarantees already included in the contract:
Lastly, the optional guarantees cover you more specifically and depend on your situation. If you have a swimming pool, a garden, a chimney, a dog considered dangerous (category 1 or 2) or a lot of appliances, you will have the possibility to take out special insurance for each of these cases.
It's up to you to decide which guarantee can best protect your home before taking out home insurance online.
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Home insurance is essential in order to protect housing and all property and occupants who will be there. In view of its importance, both as an owner and as a renter, your home insurance must be adapted to your budget and the desired level of guarantees. But what does it protect you from? Answers below:
The policy provides compensation for damage to your building/property up to the maximum indicated limit.
Your home insurance policy in Kenya will compensate you for loss of rent or rent that you will have to pay for another home if your home becomes uninhabitable due to an insured event. The advantage is subject to the indicated limits.
This is the total amount of compensation you can get for the loss or damage of objects used inside and outside the home. The cover includes fixed and moving objects and is valid worldwide.
The "all risk" benefit refers to the maximum amount you will receive as compensation for any item normally used inside the home.
This is the portion of each loss that you will have to bear. AAAA will pay you the difference between the actual loss or maximum limit (the lower of the two) and the specified policy overrun.
If you have insured your home and it is damaged by an earthquake, you will bear 2% of the loss, or 5,000,000 Kshs, whichever is lower.
This benefit provides compensation for accidental loss or damage to property owned by your domestic workers.
This specifies the number of domestic workers that will be covered when you buy our home insurance policy. This means that we will cover the cost of domestic workers in case of accidental injury.
This benefit is available to cover any loss or accidental damage to fixed and mobile furniture used outdoors.
This benefit ensures that you will be compensated if you accidentally lose physical documents within the indicated limits.
The domestic policy covers the medical and veterinary expenses that you may incur if your pets are accidentally injured, within the indicated limits.
If you lose your credit card, this benefit covers the actual replacement costs of the card, with a limit of KSh. 3000 /- for a card. We will ask you to report the claim within 24 hours.
This benefit provides compensation for property belonging to your domestic staff in the event of loss or accidental damage to your premises.
This benefit ensures that you are compensated for the loss or damage to your child's pedal cycle, within the indicated limits.
If you accidentally lose or damage your contact lenses, you will be eligible for compensation up to the indicated limit.
We will offer you an additional 10% of the insured amount for the value of the contents of the house one month before and after the wedding.
If your home requires urgent repairs as a result of accidental damage, you can claim compensation for the costs, subject to the stated limits.
When you have a professional property in your home, lose it or suffer accidental damage, this benefit makes you eligible for compensation.
This benefit compensates you for the costs of counselling for you and your family resulting from a theft or accident, up to the limit indicated.
This benefit covers costs incurred to remove debris as a result of an accident up to the amount indicated.
This benefit covers you with liabilities related to the loss, destruction or damage caused by fire to insured property. Responsibilities may include running overheats, excessive pressures, short circuits, arcing, self-heating, leakage, including any loss or damage caused by lightning.
Following the hospitalization of your domestic employee(s), you will receive an allowance of 500 Ksh for each day of hospitalization of the latter. This benefit is effective from the third to the twentieth day of hospitalization.
The cover provides compensation in the event of accidental death or accidental and total disability of your domestic workers. The cover is open 24 hours worldwide basis.
If you need to call the fire department, we will compensate you for the corresponding costs, up to Ksh 50,000.
Home rescue in case of medical emergency.
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