Photo: Lebu Ayiga, Wikimedia Commons, CC BY-SA 4.0Home insurance in Kenya
What a domestic package covers and who sells it
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- Building: insure the cost of rebuilding, not the market price of the house.
- Contents: list valuable items; many policies limit any single item.
- All risks: phones, laptops and jewellery away from home are only covered if added.
- Domestic workers: employers of domestic staff have WIBA duties — ask whether the package covers them (see business insurance).
- Burglary conditions: forced entry, grilles, alarms, guards.
- Excess per claim.
Check the insurer on the IRA list and read the exclusions before you pay.
What "domestic package" means
Domestic package is the name Kenyan insurers give to a home policy that bundles several covers in one schedule. What Heritage says its Domestic Package covers, for homeowners and tenants (Heritage, seen 28 October 2026):
| Section | What it covers | Who needs it |
|---|---|---|
| Buildings | The structure, against fire, floods, water damage and accidental damage | Owners — not tenants |
| Contents | Valuable belongings in the home, against theft and damage | Owners and tenants |
| Domestic workers | Injury to your domestic workers | Anyone employing a house help, gardener or guard |
| Owner's or occupier's liability | Death or injury of other people, or damage to their property, for which you are liable as owner or occupier | Owners and tenants |
| Alternative accommodation | Part of the cost of living elsewhere while the home is repaired | Anyone who would have to move out |
Which sections are included, and the limits, differ by insurer: the schedule you sign is what counts.
Insurers that list a home policy
Most general insurers on the 2026 IRA list are licensed for the "fire domestic" class. Examples of insurers that list a home product on their own websites (seen 28 October 2026), alphabetically — not a ranking:
- Geminia — "Home Pack" among its personal and family products (Geminia); profile: Geminia Insurance.
- Heritage — "Domestic Package" (Heritage); profile: Heritage Insurance.
- Intra Africa Assurance — "Domestic Package" among its products for individuals (Intra Africa); profile: Intra Africa.
None of these pages publishes a price: the premium is quoted on the values you declare. Ask licensed insurers for quotes with the same sums insured to compare like with like.
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Frequently asked questions
What is domestic package insurance?
A home policy that combines buildings, contents, injury to domestic workers and owner's or occupier's liability in one schedule. The sections and limits differ by insurer.
Do tenants need home insurance in Kenya?
A tenant does not insure the building (that is the owner's), but can insure contents and liability under a domestic package.
Is home insurance compulsory in Kenya?
No. A lender may require building cover on a mortgaged house.
How long does a Kenyan insurer have to pay a home claim?
90 days from the claim being reported once all documents are provided, extendable by 30 days (Insurance Act s.203).
Sources
- Insurance Act, Cap. 487 (revised 2022), s.203 — Nairobi International Financial Centre Authority copy
- Work Injury Benefits Act, 2007 (revised 2012) — ILO NATLEX
- Geminia Insurance — personal and family products, including Home Pack (insurer's own page, seen 28 October 2026)
- Heritage Insurance (Liberty Kenya website) — Domestic Package (insurer's own page, seen 28 October 2026)
- Intra Africa Assurance — products for individuals, including Domestic Package (insurer's own page, seen 28 October 2026)