What it covers
Fire and allied perils
Covers the building and contents against fire, lightning and explosion. Flood, storm and riot damage can usually be added.
Burglary
Covers theft involving forcible and violent entry or exit. Insurers require proof of forced entry — we explain exactly what evidence matters.
Contents vs building
Tenants insure contents; landlords insure the building; owner-occupiers usually need both. We make sure the right things carry the right sums insured.
Who needs it
- Shop, office and workshop owners
- Landlords and property managers
- Homeowners and tenants insuring household contents
What you need to apply
- List of contents with estimated values
- Location and type of premises
- Security details (grills, alarms, watchman)
- KRA PIN and national ID
- Details of any past claims
Send documents on WhatsApp and we will confirm the exact list your insurer needs before you commit.
Common exclusions — the honest part
Burglary policies typically require forcible entry — theft by someone let in, or theft without signs of breaking in, is usually excluded. Underinsurance also reduces payouts proportionally, so we help you set honest sums insured.
Questions people ask
What is underinsurance and why does it matter?
If your contents are worth KES 1,000,000 but you insure them for KES 500,000, most insurers will pay only half of any claim — even a small one. Insuring for realistic values is cheaper than discovering this at claim time.
I rent my shop — what should I insure?
Your stock, equipment and fittings. The building itself is normally the landlord's responsibility. We can quote both if the landlord is willing.
Does it cover stock kept in the shop?
Yes, if declared as contents. Tell us roughly what your stock is worth — insurers price and settle on what was declared.