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Understanding Home Insurance In Kenya and What it Covers: 2024

Video Credits: AKI YouTube

Home insurance, often referred to as Domestic Package insurance, is an important safeguard for homeowners, tenants, and landlords in Kenya. This comprehensive policy provides various aspects of protection, ranging from the physical structure of the home to personal belongings and liability coverage. Let’s take a deep dive into what home insurance covers and why it’s needed for every household.

Understanding Home Insurance Coverage

Home Insurance In Kenya

Home insurance policy has five sections, A to E, each covering different risks as broken down below:

Section A – Building Coverage

Section A of the home insurance policy provides coverage for the structure of the home itself. This includes protection against risks such as fire, floods, earthquakes, and other structural damages. For homeowners, ensuring the safety of their sanctuary against unforeseen disasters is very important.

Section B – Contents Protection

Section B extends coverage to personal belongings within the home, such as electronics, jewelry, furniture, and more. In the event of theft, fire, or other covered perils, homeowners and tenants alike can rest assured knowing their valuables are protected under this section.

Section C – All Risks Coverage

This section, also known as All Risks coverage, offers protection for items that are frequently taken outside the home, such as mobile phones, laptops, and jewelry. Whether it’s accidental damage or theft, Section C ensures comprehensive coverage for belongings beyond the confines of the home.

Section D – Liability Protection

Liability protection is a crucial component of home insurance, covering domestic workers for injuries or fatalities sustained while performing their duties. Additionally, this section shields homeowners and occupiers from lawsuits stemming from injury or property damage caused to third parties.

Sections E and F – Legal Liability Coverage

Sections E and F of the policy extend legal liability coverage to homeowners and occupiers, safeguarding them against lawsuits arising from incidents within the property or caused by objects originating from the property. This comprehensive protection ensures peace of mind for all parties involved.

Who Can Purchase Home Insurance?

Whether you’re a homeowner, tenant, or landlord, home insurance is accessible to all. Tenants can secure coverage for their personal belongings, liability, and domestic workers, while homeowners and landlords can customize their policies to suit their specific needs.

The Importance of Inventory and Policy Review

Before purchasing home insurance, conducting a thorough inventory of your possessions is essential. This inventory should include detailed records of electronics, furniture, jewelry, and other valuables, aiding in the accurate valuation of your property. Additionally, regular policy reviews are recommended to account for any changes in home value, contents, or upgrades to the property.

Reviewing Your Policy

While home insurance is typically an annual cover, regular reviews are essential. If you make improvements to your home, such as installing fire and burglar alarm systems or upgrading plumbing and electrical systems, informing your insurance company is vital. Major purchases during the year may also necessitate additional coverage to align with changes in the value of your home or its contents.


In conclusion, home insurance in Kenya is not just a protective measure; it’s a dynamic and responsive solution to the evolving needs of homeowners, tenants, and landlords. By understanding the nuances of each coverage section and actively managing your policy through regular reviews, you can ensure that your home is not only a safe haven but also a financially secure one.

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