Secure your Home and House hold Possessions with a home insurance Policy

Home Insurance in Kenya…

Your home is most likely your biggest and most significant investment — it shelters you through the good and bad times and you probably have worked so hard to see it to completion. We have highlighted for you key features of what to look for when considering a home insurance policy. Here’s how to ensure that you get the exact coverage.

Home insurance protects your property against unexpected losses and natural disasters. It comes in two parts:

  • Damage to the overall property (buildings and structures) buildings
  • Loss or damage of Content/personal possessions within the home

You may choose to insure your content and building(s) separately,  but it is cheaper to combine them into a single standard policy.

A standard homeowners’ insurance cover includes:

  • Coverage for your home structure
  • Coverage for your personal possessions
  • Age of Property
  • Roofing
  • added living expenses in a temporary house if an insured disaster occurs in your home

1. The Overall Structure of Your House

Your homeowner’s cover pays to renovate or remodel your home if it is damaged or destroyed by natural disasters like storms, fire, or other disasters mentioned in your policy. The cover does not pay for disasters from flooding, earthquakes, or natural aging of the building and its fixtures.

2. Personal Belongings

This includes assets like electronic equipment, furniture, sports gear, kitchen equipment, and all your insurable personal items. Coverage includes destruction by hurricane, theft, fire and other insured disasters. The policy compensates 70-80% of your home. When providing a list of items to be covered, always give the actual value of the items. This is what will be used to compute a claim when a disaster occurs. You can also provide photos and store the same as evidence for future use.

Some movable equipment and personal items like mobile phones, computers, sports equipment jewelry and other valuable items are covered beyond your home compound because tragedy can take place anywhere out of the precincts of your home. There is a cover limit for personal property and scope of cover. It is advisable to check with your insurer the details before signing a contract.

3. Age of the Home Property

A splendid, older home can be quite stunning—but they can also cost more to insure. Elaborate features like ceiling molding, plaster walls, and wooden floors may be costly to replace and can hike the insurance cost. Drainage and electrical systems can become hazardous with age and lack of proper maintenance. If you are considering buying an already constructed older home, find out the exact cost to re-construct damaged structures and include these overheads into the overall mortgage or ownership costs.

4. Roofing Condition

Your roof must be in good condition because insurers won’t accept a dilapidated roof. You may also qualify for a discount depending on the type of roof, and whether you used fire proof materials when constructing the roof.

Considerations to Make Before Buying Home Insurance Coverage

  • Quality and Location of your area
  • Houses located in a secure neighborhood pose fewer burglary risks
  • Proximity to the Coastline
  • Homes located near the coast will most likely cost more to insure than those further inland.


Call us today for professional assistance


Don’t wait until disaster strikes to think about insurance. Bismart has partnered with some of the best insurance companies to provide you with a comprehensive home insurance policy. We shall give you all the available options to provide you with the most tangible comprehensive home coverage. Ask for a quotation now.