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The Surprising Tips Every Smart Person Needs to Know About Home Insurance in Kenya

by | Nov 15, 2022 | Blossom Insurance Blog | 0 comments

Home insurance covers your home and everything in it. It protects you from unforeseen circumstances such as theft, fire, or any other event that could happen at or to your house. 

You do not pay the costs of repairing your house after it is damaged by a natural disaster such as an earthquake or by others such as lightning strikes or even floods.

Why you need Home Insurance

Home insurance covers your home, its contents and the land it is built on. It covers your property against fire, lightning, destruction by storms, theft, and other hazards that could affect your property. 

It can also help pay for repairs to damage caused by these events as well as medical expenses if someone is injured or dies in an accident due to negligence on your part.

Offering you Protection against Liability Risks

Home insurance covers you in the event of an accident, fire, flood and other perils that can damage your home. This type of coverage is important because it protects you against financial losses if something happens to your home or possessions while they are in your possession.

The key to getting the right policy is knowing what’s covered under liability insurance and understanding how much it will cost.

For example: If someone was injured on your property while visiting, would that be covered? If so, how much would their medical bills cost? Are there other expenses like legal fees involved? 

What about property damage costs related to cleaning up any messes left behind by guests who visited over holidays like during the Christmas Holidays when everyone else was at their homes? 

These factors influence how much home insurance coverage should be purchased through comparison it is often advisable to talk to your insurance agents to establish all the parameters that your insurance policy will cover, in order to sufficiently insure your home, without the need of paying too much money upfront…

How about the Cost of Repairs in the case of Damages?

A good home insurance cover caters for the costs of repairing your home after it is damaged.

You do not pay for repairs to your home, or the cost of replacing it if you suffer a fire or other incident that causes damage to your property.

You will also be reimbursed for any cost associated with demolishing the old house and building another one on the same plot of land – this includes planning permission fees as well as demolition materials and labour charges.

Insurance Covers after Natural Disasters

A disaster is an event that leads to significant damage and loss of property. It can be natural or man-made, and it can happen anywhere in the world.

Certain areas in Kenya are prone to flooding during seasons of heavy rains after major rivers and tributaries burst their banks.

Home insurance covers you against such losses as fire, flood, theft and vandalism. The most common types are fire & trauma cover (F&T), home contents cover (HCC), personal liability protection (PLP) and public liability protection (PLP).

In case of any kind of disaster at your house or business premises, your insurer will replace damaged goods with new ones at a fair market price if possible—but only after deducting all expenses incurred by them during the claim process.

Protection from Theft and other Unforeseen Circumstances

Home insurance protects you from unforeseen circumstances e.g theft, fire, vandalism and water damage.

Home insurance can also be used to cover your property in the event of a storm or storm surge. It will pay for repairs to your house if it is damaged by wind or rain during a major weather event such as tropical storms like the infamous El Niño.

In addition, if there was any damage caused by a flood then they’ll pay out again based on how much was lost due to flooding (this may include things like carpeting).

Employer Liability in Home Insurance in Kenya

This insurance protects you from claims made by contractors, casual workers, and permanent or temporary employees who sustain injuries or illnesses while on the job.

Employers are required by Kenyan law to provide workers with access to workers’ compensation in the event of an on-the-job injury. If you’re hiring someone to work in your establishment, this rule applies to them.

Please note, however, that major insurance companies will place a limit on how much this insurance will cover, with most topping off at KShs. 500,000.

Protection against Unexpected Events in Your Home

A home insurance cover provides protection against unexpected events that could happen at or to your home.

  • Theft coverage: If someone breaks into your house and steals something, this is covered by the home insurance policy.
  • Fire damage: If there’s a fire in your house that damages other items inside it, you’ll need coverage for that too.
  • Storms and floods (or more accurately, wind and lightning): We’ve all seen houses destroyed by storms; in some cases, the damage can be so extensive that it takes months before they can be repaired or rebuilt again! So if you live in an area where there are frequent thunderstorms during summertime then this would definitely fall under “unexpected event” territory… which means having enough money set aside somewhere else would come in handy as well because most insurers will only pay out what they’re legally obligated too which may not always be enough money considering how expensive property repairs can get after such an incident has occurred

Do you need to protect your home against risk?

A home insurance cover provides protection against unexpected events that could happen at or to your home. Talk to Blossom Insurance Agency today and we will match you up with a policy suitable to protect your home against diverse risks.


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