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Home Insurance – Protect Your Castle

Comprehensive cover for your building, household contents, and personal valuables. Compare policies from Kenya's leading insurers and get the protection your home deserves.

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Building Insurance

Protect the physical structure of your home – walls, roof, floors, and permanent fixtures – against fire, storms, floods, earthquakes, and other perils. Ideal for homeowners and landlords.

  • Full rebuild or repair cost after insured damage
  • Cover for fire, lightning, explosion, and smoke damage
  • Storm, flood, and earthquake protection
  • Malicious damage and vandalism
  • Burst pipes and water damage
  • Alternative accommodation while your home is being repaired
  • Owner's liability – injury to domestic workers or visitors
  • Structure – walls, roof, floors, garage
  • Fire & Smoke – full repair or rebuild
  • Flood & Storm – water damage included
  • Earthquake – structural damage
  • Liability – injury to others on your property

Household Contents Insurance

Your furniture, electronics, clothing, and other personal belongings are covered against theft, fire, and accidental damage. Even if you rent, you can protect everything inside your home.

  • Furniture, electronics, appliances, and clothing covered
  • Theft and burglary (including forced entry)
  • Fire, smoke, and water damage
  • Accidental breakage of glass and sanitary ware
  • Temporary removal cover – items taken outside the home
  • Refrigerated goods spoilage due to power failure
  • New for old replacement – no depreciation
  • Furniture – sofas, beds, dining sets
  • Electronics – TVs, laptops, sound systems
  • Clothing & Linen
  • Kitchen Appliances – fridge, cooker, microwave
  • Valuables – jewelry, watches (up to limit)

Combined Building & Contents Cover

Get complete protection with our combined policy that covers both the structure of your home and everything inside it. One policy, one premium, total peace of mind.

  • All building cover benefits plus contents cover in one policy
  • Single premium – save up to 15% compared to separate policies
  • One renewal date and one policy document
  • Simplified claims process
  • Cover for alternative accommodation included
  • Owner's liability and domestic worker injury cover
  • Building – full structure protection
  • Contents – all household items
  • Alternative Accommodation – if home uninhabitable
  • Liability – injury to visitors & domestic workers

Personal Valuables Insurance

Specified all‑risks cover for your high‑value items – jewelry, watches, laptops, cameras, and more – whether at home or away. Get them individually listed and fully protected.

  • Worldwide cover – your valuables are protected anywhere
  • Accidental loss or damage
  • Theft from home or while travelling
  • No excess on most claims
  • Individual item listing – agreed value payout
  • Cover for engagement rings, watches, cameras, laptops, and more
  • Jewelry – rings, necklaces, bracelets
  • Watches – luxury and designer
  • Laptops & Tablets
  • Cameras & Lenses
  • Designer Sunglasses & Accessories
  • Precious Metals & Antiques

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Why Choose Jaybi for Home Insurance

We compare policies from 12+ leading insurers to find you the best home cover at the best price.

Compare 12+ Insurers

Access quotes from Kenya's top home insurance companies.

Claims Assistance

We guide you through every step of the claims process.

Affordable Premiums

Competitive rates with flexible payment options.

Quick Policy Issuance

Most policies activated within hours of application.

Frequently Asked Questions

Everything you need to know about home insurance.

Home insurance is not legally mandatory, but it is highly recommended to protect your property and belongings against unforeseen events like fire, theft, and floods.

Building insurance covers the physical structure of your home, while contents insurance covers your personal belongings inside it. You can buy them separately or as a combined policy.

Yes, most comprehensive home insurance policies include flood damage as a standard peril, but always confirm with your advisor.

Yes, you can insure your personal contents even if you rent. The landlord typically insures the building structure.

Premiums depend on the value of your building/contents, location, type of construction, and security features like alarms and burglar bars.

Yes, most home insurance policies include employer's liability cover for domestic workers (househelps, gardeners) for injury or death while working.

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