Personal Protection

Home Insurance

Protect Your Home and Everything Inside

Protects your house, contents, and belongings against fire, theft, storms, floods, and accidental damage.

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Cover options

Underwriters

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Claims support

Quick overview

It covers the cost of repairing or rebuilding your home and replacing what's inside after fire, theft, storms, floods, or accidental damage. Cover works for owners and tenants alike.

Why it matters

Your Biggest Investment, Protected

Your home is likely your largest asset. Cover means a fire, burst pipe, break-in, or storm doesn't fall on your savings.

The building and everything in it

Your home is the structure, the furniture and electronics inside, and the belongings gathered over years. One policy protects all of it, whether you own or rent.

Set on rebuilding cost

Cover is based on what it would cost to rebuild the structure and replace the contents today — not the market price of the house or the land.

Who it's for

Who this cover is for

Homeowners
Landlords renting out property
Tenants insuring their own contents
Apartment and gated-community residents

Cover options

Your cover options

Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.

Building Cover

Protects the structure itself — walls, roof, and fittings — against fire, storm, and other insured perils.

Contents Cover

Protects furniture, electronics, and personal belongings inside the home against theft and damage.

All Risks Extension

Optional cover for valuables like laptops and jewellery, wherever they travel with you.

Protection

What this cover protects against

What applies to your policy depends on the cover level you choose and any extensions added.

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Fire & lightning

Damage from fire, lightning, and smoke.

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Theft & burglary

Break-ins and stolen belongings.

storm

Storms & floods

Weather damage to the building and contents.

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Water damage

Escape of water from burst pipes and tanks.

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Accidental damage

Sudden, unintentional damage, where added.

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Portable valuables

Laptops, phones, and jewellery away from home, on an all-risks extension.

Key benefits

What you get with the cover

Rebuild cost covered

Repair or rebuild your home after fire, storm, or flood damage without draining your savings.

Contents protected

Furniture, electronics, and personal items covered against theft and accidental damage.

Available to owners and tenants

Cover can be arranged whether you own the property or rent it.

Flexible sums insured

Choose cover levels that match the true rebuild cost of your home and belongings.

Fast repairs

Get back to normal quickly with a straightforward claims process.

Add-ons

Optional extensions

Extra layers of protection you can add for an additional premium. Availability varies by insurer.

Burglary Extension

Additional cover for forced-entry theft beyond standard contents cover.

All Risks

Covers portable valuables like laptops and jewellery wherever they travel with you.

Domestic Employees Cover

Covers your liability for injury to domestic staff working at your home.

Exclusions

What's not covered

Wear and tear

Land value

Damage from poor maintenance

Unoccupied property beyond the policy limit

War and nuclear risks

This is a general list. Your policy wording sets out the full exclusions that apply.

Getting covered

What you'll need

To take out cover

National ID
KRA PIN
Proof of ownership or tenancy
Property valuation (for high-value homes)

Report the incident as soon as it happens, document the damage with photos, and our claims team will guide you through assessment and repair.

Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.

Glossary

Common terms explained

Sum Insured

The rebuild or replacement value your policy is based on — not the market price of the land.

Peril

An insured event, like fire or flood, that your policy protects against.

FAQ

Frequently asked questions.

The essentials on home insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.

See all FAQs

Does home insurance cover the land my house sits on?

No — cover is based on rebuild cost, not land value, since land itself can't be destroyed.

Can I insure just my contents if I rent?

Yes. Tenants can take contents-only cover without insuring the building structure.

Is accidental damage covered?

Standard policies cover fire, theft, and weather; accidental damage can be added as an extension.

Flexible cover

Cover matched to your home

Own or rent, house or apartment, standard contents or high-value items — the policy should fit. Our advisors set the building and contents sums insured and add the extensions you need.

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