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General Insurance

Landlords Insurance

If it matters to you, it matters to us. Cover your property with us!

Landlords Insurance

Enjoy life without outliving your money. Cover Your rental property with us today.

This is an affordable comprehensive, tailor made cover that enables landlords benefit from several policies in a single package. Subject to the terms and conditions, the policy is offered upon the fact that the buildings are owned solely for rental purposes only.

BUILDINGS

This policy provides insurance coverage for the building against losses resulting from Fire lightning, Earthquake, storm, floods, burglary, accidental impact to the building, bursting or overflowing of water tanks, escape of water from storage facilities, falling trees, riot and strike, explosions from gas cylinders, impact from aircrafts or other aerial devices.

Electrical installations,

This policy covers the following named electrical installations - CCTV /Alarm systems, dishes e.g for DSTV and, Water Pumps and Electric Fences against all risks unless specifically excluded. This forms part of the sum insured but needs to be captured separately at proposal stage.

LOSS OF RENTAL INCOME-OPTIONAL

The policy covers for loss of rental income to a maximum of 12 months following loss occasioned by the perils in (buildings) above.

CONTENTS FOR FULLY FURNISHED RENTAL APARTMENTS/ HOMES - OPTIONAL

This policy provides cover against loss or damage to furniture, electronics and other contents as described in the schedule against losses in (buildings) above. In addition, this section also covers thefts occasioned by the tenants.

MORTGAGE MONTHLY LOAN INSTALLMENTS - OPTIONAL

This policy covers loan repayment following an occurrence of an insured event which leads to total loss of rent for a period not exceeding three months subject. It is anticipated that within three months the adjustment report should have reached the company and a final position on the loss will be know. There are two options available:

  • With a time excess of 30 Days
  • With a time excess of 60 Days

COVER FOR BUILDING CARETAKER-Wiba Act 2007

This policy provides cover against legal liability to you as the employer under the Work Injury Benefits Act (WIBA). The cover available is for:

  • Accidental death or bodily injury in the course of duty
  • Medical expenses
  • Funeral expenses

THIRD PARTY LIABILITIES

This policy provides cover for legal liability that may arise from accidental bodily injury or damage to property in connection with the owner-ship of the building.

  • Eligibility

    You must be a property owner

  • Cover Options
    • Buildings as well as electrical installations attached to it
    • Loss of rental income
    • Contents for fully furnished rental apartments or homes
    • Mortgage monthly loan payments
  • Features and benefits
    1. Comprehensively covers building, income, contents, mortgage and employees
    2. Deposit refund for tenants in the event of an insured peril rendering the building inhabitable
    3. Fire brigade charges up to Kshs. 200,000/=
    4. Cost of debris removal following a fire up to Kshs. 200,000/=
    5. Cost of replacement of keys/replacement of locks up to Kshs. 5,000/= following a burglary or attempted theft
    6. Legal liability to third parties for death, injury, or damage to their property arising out of ownership of property up to one million
    7. Free Work Injury Benefits Acts insurance for the building one caretaker
    8. 10% discount on premium for the landlords personal home insurance
    9. 10% discount on Contractor all Risk/construction insurance for future developments
    10. 10% cash back for prepaid premiums after three years if the first three years are without a claim.
  • Claims

    When reporting a claim, you should ensure to have the following in order.

    1. Report claim as soon as the client has informed you
    2. Duly executed claim form
    3. Police abstract
    4. Receipts/ invoice for contents/installations claimed
  • Tips and Advice
    • Always ensure the property is under your name
    • Always have your proof of ownership documents secured in a safe place

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