What is Domestic/Home Insurance?
Domestic or home insurance in Kenya provides financial protection against risks such as fire, theft, natural disasters, accidental damage, and liability claims. Whether you own a house or rent one, home insurance ensures that your property, belongings, and loved ones are protected from unexpected losses or damages.
This coverage safeguards residential buildings, household items, electronics, furniture, and even domestic employees against various risks, giving homeowners and tenants peace of mind.
At Laren Insurance Agency, we provide comprehensive home insurance solutions tailored to Kenyan homes, helping you protect your most valuable asset against life's uncertainties.
85%
Of Kenyan homes are not insured
24/7
Claims support & emergency assistance
Home Insurance Plans
We offer a range of home insurance plans tailored to different property types and coverage needs.
Building Insurance
Comprehensive coverage for your home's physical structure
- Fire, lightning & explosion damage
- Storm, flood & earthquake protection
- Vandalism & malicious damage
- Burst pipes & water damage
- Alternative accommodation cover
Contents Insurance
Protection for your personal belongings and household items
- Furniture & appliance coverage
- Electronics & valuable items
- Theft & burglary protection
- Accidental damage cover
- Temporary removal extension
Comprehensive Home Insurance
Complete protection for both building and contents
- Combined building & contents cover
- Personal liability protection
- Domestic workers compensation
- Legal expenses cover
- Emergency assistance services
Key Features of Home Insurance in Kenya
1. Building & Property Cover
- Covers damages to house structure from fire, floods, storms
- Includes garages, gates, fences, and outbuildings
- Protection against earthquakes and vandalism
- Rebuilding costs coverage
2. Household Contents Cover
- Furniture, electronics, appliances protection
- Coverage for theft, fire, or accidental damage
- Jewelry, art and valuables protection
- New-for-old replacement option
3. Fire & Natural Disaster Protection
- Coverage for fire, lightning, explosions
- Earthquake and flood damage protection
- Temporary accommodation if home uninhabitable
- Debris removal costs
4. Burglary & Theft Cover
- Compensation for stolen household items
- Coverage for forced entry damages
- Broken locks, doors, windows repair
- Theft from outbuildings
5. Personal & Third-Party Liability
- Protection against injury claims on your property
- Accidental damage to neighbor's property
- Legal defense costs coverage
- Worldwide personal liability
6. Additional Benefits
- Domestic workers' compensation
- Alternative accommodation cover
- Accidental damage protection
- Emergency home assistance
Benefits of Home Insurance in Kenya
Asset Protection
Safeguard your biggest financial asset - your home - from unexpected losses and damages.
Belongings Security
Protect your valuable possessions against theft, fire, and accidental damage.
Peace of Mind
Sleep better knowing your home and family are protected from life's uncertainties.
Legal Protection
Coverage for liability claims if someone gets injured on your property.
Employee Safety
Meet legal requirements for domestic workers' compensation under WIBA.
Financial Security
Avoid devastating financial losses from property damage or liability claims.
Why You Need Home Insurance in Kenya
Your home is one of your most valuable assets, and protecting it should be a priority. Whether you own or rent, domestic/home insurance helps you recover financially from unexpected events like fires, floods, theft, or accidents.
Important Consideration
Many homeowners underestimate their rebuilding costs. A proper home insurance valuation ensures you're adequately covered to rebuild your home at current construction costs, not just the market value or original purchase price.
By securing your home with the right insurance policy, you can avoid financial setbacks and enjoy peace of mind knowing that your property and loved ones are well-protected.
Why Choose Laren Insurance Agency?
- Expert home insurance advisors with specialized property knowledge
- Customized home insurance solutions for Kenyan properties
- Partnerships with leading insurance providers in Kenya
- Accurate property valuation services
- Comprehensive coverage from basic to all-risk policies
- Transparent terms with clear policy explanations
- Quick claims processing with dedicated support
- Regular policy reviews to ensure adequate coverage
Frequently Asked Questions
Your coverage should be based on the rebuilding cost of your home, not its market value. We recommend a professional property valuation to determine the accurate sum insured. For contents, create a detailed inventory of your belongings with estimated replacement values.
Most standard home insurance policies in Kenya cover fire and lightning damage automatically. Coverage for specific natural disasters like floods, earthquakes, or landslides may require additional endorsements or specific policy extensions. It's important to discuss your location-specific risks with our advisors.
Yes, comprehensive home insurance policies typically include domestic workers' compensation as required by Kenya's Work Injury Benefits Act (WIBA). This provides medical expenses and compensation for injuries or accidents affecting domestic workers such as housekeepers, gardeners, or security guards while working on your property.
Market value is what your property would sell for, including the land. Sum insured is the cost to rebuild your home from scratch, including materials and labor. Insurance should be based on the rebuilding cost (sum insured), which can be significantly different from market value, especially in areas with expensive land.
Standard home insurance typically provides limited coverage for home-based business equipment. However, business liability and significant business-related assets usually require separate business insurance. If you operate a business from home, discuss your specific needs with our advisors to ensure proper coverage.
In case of damage or loss, contact us immediately to report the claim. Take photos of the damage, make temporary repairs to prevent further loss (keep receipts), and don't dispose of damaged items until they've been assessed. Our claims team will guide you through the process and help with documentation requirements.
Don't Risk Your Most Valuable Asset
Unexpected events can happen to any homeowner. Compare affordable home insurance plans in Kenya and get coverage that protects your property, belongings, and family.
GET YOUR HOME INSURANCE QUOTE