+254 020 2100154 premiersure@gmail.com Nairobi, Kenya

Home & Contents Insurance

Protect your residential structure and precious household belongings against unforeseen fire, natural disasters, and burglary.

Safety

Secure Your Sanctuary

Your home is one of your largest financial and emotional investments. From structural fire damage to minor burglaries, home insurance ensures that you aren't left carrying the heavy cost of reconstruction or replacing valuable electronics. Premiersure connects you with policies designed for homeowners, landlords, and tenants alike.

Scope of Coverage

Building Section

Covers structural damage to the main house, walls, gates, and outbuildings against fire, lightning, earthquakes, storms, floods, and bursting water tanks.

Household Contents

Covers furniture, clothing, kitchen appliances, and electronics inside the house against fire, burglary, and water damage.

Domestic Employees

Includes WIBA/servants liability cover, protecting you against medical expenses and liabilities in case a househelp or security guard is injured on duty.

Occupier's Liability

Protects you against third-party lawsuits if a visitor suffers bodily injury or their property is damaged at the time of occupancy.

All Risk

Protection for movable property like laptops, cameras, jewelry, mobile phones etc that can be stolen, damaged accidentaly or by fire.

Owner's Liability

Protects the owner against any losses that may occur from thrird-party legal liabilities from death, injury or damage to property.

Important Exclusions & Tips

  • Valuable Electronics: Items like laptops, high-end smartphones, and jewelry must be declared under the "All Risks" section to be covered outside the house.
  • Accurate Sums: Always value your contents at their current replacement costs (new-for-old) rather than historical buying costs.
  • Wear and Tear: Standard policies do not cover damages arising from gradual wear and tear, dampness, rust, or termite infestation.

Property Quote Request

Submit your property values to get customized comparison rates.

Leave blank if renting.

Underwriter comparisons sent via email in under 1 hour.

FAQs

Home Insurance FAQs

Answers to rent protections, item valuations, and domestic worker coverage.

Yes, your landlord's insurance only covers the structure/building itself. If a fire or flooding happens, or if your apartment is burglarized, the landlord's policy will not reimburse you for your clothes, furniture, or electronics. A "Tenant's Contents Only" policy is very affordable and covers your assets specifically.

You should make a list room-by-room and estimate what it would cost to purchase each item brand new today (replacement cost). Underwriters require an inventory list for items above a certain value (e.g. televisions, fridge, washing machine, sound systems) detailing serial numbers.

Standard home contents policies only cover items while they are physically inside the insured house. For portable items that you carry around (like phones, laptops, tablets, smartwatches, or wedding rings), you must purchase a special "All Risks" rider, which protects these items against accidental damage and theft anywhere in the world.