Property & Fire Kenya 2026 Protect Your Assets

Comprehensive property and fire insurance for homes, businesses, and investments in Diani, Mombasa, and across Kenya.

Property and fire insurance protects your home, business, and assets from financial loss due to fire, theft, floods, natural disasters, and other perils.

In Kenya, property insurance is essential for homeowners, landlords, tenants, and businesses. At Precise Insurance Agency, we compare plans from all leading insurers — including Jubilee, Britam, CIC, APA, Madison, Old Mutual, and more.

Whether you need home insurance, commercial property cover, or fire protection for your business, we'll help you find the best plan for your needs and budget.

Did you know? Fire is one of the leading causes of property loss in Kenya, and many mortgages require fire insurance as a condition of the loan.

Regulated by IRA
Property & Fire Insurance Kenya — Home and Business Cover
InstantProperty cover
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Home Insurance

Protect your home and belongings

  • Building Cover: Protects the structure against fire, floods, storms, earthquakes, and other perils.
  • Contents Cover: Furniture, electronics, appliances, and personal belongings inside the home.
  • All-Risk Items: Portable valuables (phones, laptops, jewellery, cameras) covered in and out of the home.
  • Alternative Accommodation: If your home is uninhabitable after a claim.
  • Premiums: Typically 0.5-1.5% of the insured value. A KES 5M house costs KES 25,000-75,000/year.
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Commercial Property Insurance

Protect your business assets, premises, and inventory.

Building & Premises

Covers commercial buildings — offices, shops, warehouses, factories — against fire, floods, storms, and other perils.

Stock & Inventory

Protects your stock, inventory, and raw materials against fire, theft, and damage. Essential for retailers, wholesalers, and manufacturers.

Equipment & Contents

Covers machinery, computers, office equipment, and furniture. Includes accidental damage and breakdown options.

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Fire Insurance

Essential fire protection

  • What it covers: Loss or damage caused by fire, lightning, explosions, and smoke damage.
  • Who needs it: Homeowners, landlords, businesses, and anyone with property of value.
  • Required for: Many mortgages, business loans, and commercial leases.
  • Premium: Based on the property value, construction type, location, and fire safety measures.
  • Top providers: Jubilee, Britam, CIC, APA, Madison, Old Mutual.

Important: Fire insurance is often bundled with other perils in a comprehensive property policy.

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Flood & Theft Cover

Protect against the most common property risks in Kenya.

Flood Insurance

  • Covers damage from floods, heavy rains, and rising water levels
  • Essential for coastal properties and flood-prone areas
  • Available as an add-on to standard property policies

Theft & Burglary

  • Covers loss of property due to theft, burglary, and robbery
  • Essential for businesses, rental properties, and homes
  • Often includes damage caused during a break-in
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Landlord & Tenant Insurance

Protect your rental investment

  • Landlord Cover: Protects the building structure against fire, floods, and other perils. Loss of rent cover if the property is uninhabitable.
  • Tenant Cover: Protects your personal belongings (furniture, electronics, appliances) against fire, theft, and damage.
  • Liability: Covers you if a tenant or visitor is injured on the property.
  • Who needs it: All landlords and tenants should have appropriate property insurance.
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Property Insurance in the Coastal Region

  • Properties in Diani, Mombasa, and Kwale face unique risks including flooding, storms, and saltwater corrosion.
  • Flood risk: Coastal areas are prone to flooding during heavy rains. Comprehensive flood cover is essential.
  • Storm damage: Strong winds and storms can cause significant property damage.
  • Theft: Urban areas like Mombasa and Diani have higher theft risks — ensure your policy includes burglary cover.
  • What's available: All major property covers are available from leading insurers, including flood and theft add-ons.

Get a Property & Fire Insurance Quote

Compare home, commercial, fire, flood, and theft cover from leading insurers.

Hold Ctrl/Cmd to select multiple

We'll compare plans from Jubilee, Britam, CIC, APA, Madison, Old Mutual and more to find you the best property cover.

Thank You for Your Request!

Your property & fire insurance quote request has been received. We'll get back to you within 24 hours with options from top insurers.

For immediate assistance, call +254 726 439 278

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Frequently Asked Questions

Property insurance covers buildings, contents, and assets against fire, theft, floods, storms, earthquakes, and other perils. It can be for homes, businesses, and rental properties.
Fire insurance is not mandatory by law, but it's required for many mortgages and business loans. It's highly recommended for all property owners and businesses.
Home insurance typically covers the structure and contents of a residential property. Property insurance is broader — covering commercial buildings, rental properties, and business assets too.
Costs vary based on property value, location, construction type, and coverage level. Typically 0.5-2% of the insured value per year. A KES 5M house costs KES 25,000-100,000 annually.
Yes, most comprehensive property policies cover flood damage. However, standard policies may exclude flood in high-risk areas. Always check your policy or ask us for the right cover.
Yes, tenants should have contents insurance to protect their belongings (furniture, electronics, etc.) against fire, theft, and damage. The landlord's insurance doesn't cover tenant contents.
Contact Precise Insurance or your insurer immediately. Document the damage with photos, file a police report (if theft), and gather receipts. We'll guide you through the process for a quick payout.
Loss of rent cover protects landlords if their rental property becomes uninhabitable due to an insured event (e.g., fire, flood). It covers lost rental income during repairs.