Residential building
May cover the declared structure and permanent fixtures against insured events, using an appropriate rebuilding value.
Protection for your home, contents and belongings
Home Insurance in Kenya
Choose practical protection for your property and possessions, whether you own, rent or let a home.
Clear advice before you choose
Find cover that fits your needs
A home can represent years of work, and replacing a damaged building or lost belongings can be expensive. Home insurance can protect specified buildings, household contents and personal possessions against the risks listed in the policy.
Latron Insurance Agency helps homeowners, landlords and tenants in Kenya compare suitable options. We explain insured values, excesses, security requirements, exclusions and claims documentation so you can make an informed choice.
Understanding your options
What home insurance may protect
Cover applies only to the events, property and limits stated in the policy. Accurate valuations and full disclosure are important.
Household contents
May protect furniture, appliances and other declared household items kept at the insured residence.
Fire and specified perils
Policies can cover damage caused by fire and other listed events such as storms, flooding or impact, subject to terms.
Theft and burglary
May respond to insured loss or damage following theft or forcible entry when policy conditions are met.
Portable possessions
Selected valuables may be covered outside the home when they are specifically declared and the extension is included.
Liability and domestic staff
Some policies offer specified liability or domestic employee benefits within stated limits and conditions.
Personalised support
Home cover for owners and occupants
Homeowners and families
Protection can combine the residential building, contents and selected personal possessions.
Tenants
Contents cover can protect eligible belongings even when the building belongs to the landlord.
Landlords and property investors
Cover may be arranged for the insured structure and declared landlord-owned contents or liabilities.
Preparing your quotation
What to have ready
Start with basic information only. Latron will explain if an insurer needs anything further.
- 1Property location, construction and occupancy details
- 2Estimated rebuilding value of the structure, if insuring the building
- 3Replacement value of household contents and valuables
- 4Security measures such as locks, alarms or guards
- 5Current policy information and previous claims, if requested
Helpful answers
Frequently asked questions
What is the difference between buildings and contents insurance?+
Buildings insurance protects the declared structure and permanent fixtures. Contents insurance protects eligible movable belongings inside the home. They can often be arranged together or separately.
Can a tenant buy home insurance?+
Yes. A tenant may arrange contents cover for eligible personal belongings and consider other relevant extensions, while the property owner normally insures the building.
Are valuables covered outside the home?+
Only when the policy includes an appropriate extension and the items meet its declaration, valuation, limit and security requirements.
What affects the home insurance premium?+
Insurers may consider the property location, construction, occupancy, insured values, selected benefits, security measures, excess, previous claims and other underwriting factors.
No-obligation conversation
Let’s find the right protection.
Speak with Latron for clear guidance and a personalised quotation.