• By Raymond Momanyi

“Home & Property Insurance in Kenya: The Complete Guide to Domestic Packages, Flood Cover, and Protecting What You Love.

1️⃣ Beyond Fire and Theft: Why a Domestic Package is Essential for Your Nairobi Apartment

Because your peace of mind deserves protection, not prayer.

 
You worked hard for that apartment in Kilimani, Ruaka, or Syokimau. You furnished it, wired it, painted it, maybe even got that dream TV. But here’s the bitter truth — one electrical surge, one break-in, one careless neighbor’s fire, and everything could go up in smoke.
 
Most Kenyans assume “fire insurance” or “theft cover” is enough. But in reality, that’s like locking your front door and leaving the windows wide open. What you really need is a Domestic Package Insurance — the complete home shield.
 
 

What Is a Domestic Package?

 
A Domestic Package (also called Home Insurance) protects not just your building, but also everything inside — your electronics, furniture, personal belongings, even your guests.
 
It’s a combination of several mini-covers rolled into one smart bundle:
 

• Fire & Perils: Covers fire, explosion, lightning, floods, or storms.
• Burglary & Theft: Covers stolen items like TVs, laptops, jewelry, or appliances.
• Occupier’s Liability: Protects you if a visitor gets injured in your home and sues.
• All Risks: Covers portable items like phones, laptops, watches, or cameras even outside your house.
• Domestic Workers’ Injury Cover (WIBA): Protects your househelp or watchman if injured while on duty.

Why It’s a Must-Have in Nairobi

 
Let’s be honest — accidents don’t knock first. That electrical short circuit in your neighbor’s flat, the water leak from the unit above, that unexpected burglary when you’re at work — they can set you back hundreds of thousands overnight.
 
And unlike before, home insurance isn’t expensive anymore.
For as little as KSh 3,000–10,000 per year, you can cover your home contents worth over KSh 1 million.
 
That’s less than what most people spend on Wi-Fi or Netflix subscriptions every month.
 
 

The Imana Advantage

 
At Imana Insurance Kenya Ltd, we help Nairobi homeowners and tenants:
 

• Compare quotes from top insurers instantly.
• Customize their domestic packages (apartment, maisonette, or rental).
• Add optional covers like All Risks or Floods.
• Get certificates digitally — fast and paperless.

📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands
 🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810

#HomeInsuranceKenya #ImanaInsurance #DomesticPackage #NairobiHomes #CompareBuySave #KenyaApartments #FireAndTheftCover #HomeProtection
 
 

2️⃣ Flood and Adverse Weather Damage: Does Your Home Insurance Policy Cover Climate Risks in Kenya?

When the rains come, will your cover stand strong?

 
If you’ve lived in Nairobi long enough, you know the story — one heavy downpour, and the roads turn into rivers. Basements flood, furniture floats, and electronics die silent deaths.
 
Climate change is not a future problem — it’s already knocking at your doorstep. So the big question is: does your home insurance actually cover climate-related losses?
 
 

What’s Usually Covered (and What’s Not)

 
Most Domestic Package policies in Kenya cover damage caused by floods, storms, lightning, and burst water pipes — but only if your policy includes “Fire & Perils.”

If your cover is basic or fire-only, you might be out of luck when floods or storm winds hit. That’s why it’s critical to read your policy schedule — or better yet, have Imana Insurance review it for you.
 
 

What’s Often Missed

 
Many homeowners assume their insurance automatically covers everything inside their house — phones, laptops, tablets, watches, even jewelry. But here’s the twist:
 

• Items inside the house are covered under Contents.
• Items you carry around (like your phone, laptop, or camera) are only protected under the All Risks section.

That means if your laptop is stolen from your office or your phone drops at the parking lot — you’re not covered unless you specifically added All Risks to your home policy.
 
The good news? Adding it is easy and affordable.
 
 

The Smart Homeowner’s Tip

 
When buying or renewing your cover:
 

• Ask if Flood, Storm, and All Risks are included.
• Declare your electronics — it helps with faster claims.
• Keep receipts or photos for high-value items.
• Choose insurers with strong claims reputations — Imana Insurance can help you compare and recommend.

Peace of Mind in a Changing Climate

 
Climate risk is real, but panic isn’t necessary. With the right cover, you can sleep easy through every thunderstorm, knowing your home — and everything inside it — is protected.
 
And yes, your phones, laptops, TVs, and jewelry can be insured too. You just need to list them under the right category.

📍 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
🌐 www.imana.co.ke | www.mykava.co.ke
📞 0113 619 635 | 0745 218 460 | 0113 806 810

#HomeInsuranceKenya #ImanaInsurance #FloodCover #ClimateRiskKenya #AllRisksCover #NairobiApartments #PropertyInsuranceKenya #CompareBuySave