Property Insurance
Property insurance protects your physical assets—like homes, offices, shops, or warehouses—against loss or damage from unexpected events. In Kenya, where risks like fire, theft, and flooding are common, this type of insurance is especially valuable for both individuals and businesses.
What Property Insurance Covers
Risks Covered
Features
- Fire and explosion – including electrical faults or gas leaks
- Theft and burglary – especially if there’s forcible or violent entry
- Natural disasters – such as floods, earthquakes, storms, or lightning
- Vandalism and malicious damage
- Impact damage – from falling trees, vehicles, or aircraft
- Water damage – from burst pipes or leaking roofs
- Loss of rent or business income – if the property becomes unusable (under business interruption cover)
- Electronic equipment – like computers and servers, if covered under a specific extension
- Riot, strike, and civil commotion – damage caused by unrest or political violence
- Political Violence & Terrorism – often offered as an optional extension
- Glass breakage – especially for storefronts or office buildings
- Machinery breakdown – for businesses with industrial equipment
- Contractors All Risks – for buildings under construction, covering damage during the build phase
- All Risk” policies, which cover any accidental loss or damage unless specifically excluded