Homeowners Insurance
Combined cover for the structure of your home and its contents against fire, theft, flood, accidental damage, and owner liability.
Homeowners insurance is a combined policy covering both the structure of your home and its contents — bringing together what would otherwise be two separate policies under one renewal and one excess. For a typical Nairobi or upcountry homeowner, it is the single most cost-effective way to protect what is usually the family's largest asset.
Vike places homeowners cover for everything from a one-bedroom apartment to a multi-acre upcountry residence. We pay particular attention to sum-insured accuracy on the buildings side (under-insurance is the most common claim disappointment), and we tailor the contents cover to your actual valuables — including jewellery, electronics, art, and 'all risks' items that travel outside the home.
What It Covers
Buildings — structure, fixtures, fittings, and built-in fitments
Contents — furniture, electronics, appliances, clothing, household goods
All-risks items — jewellery, watches, laptops, cameras carried outside the home
Fire, lightning, explosion, riot, malicious damage
Storm, flood, and tempest damage
Burglary and theft involving forcible entry
Accidental damage to TVs, glass, sanitaryware, and mirrors
Owner's liability for accidents on the property (third-party injury and damage)
Who It's For
Owner-occupied house and apartment owners
Owners of holiday homes and second properties
New homeowners completing a mortgage purchase
Homeowners with significant high-value contents (jewellery, art, electronics)
Types We Cover
Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.
Building Only
Covers the structure of the property only — typically the choice for landlords (separate landlord cover) or for tenants whose buildings cover is arranged by the landlord. Cheapest variant.
Contents Only
Covers personal belongings inside the home. Used by tenants and by owners of apartments where the body corporate insures the structure.
Combined Buildings & Contents
The standard homeowner policy — buildings + contents + owner liability under one cover. Best value and cleanest claims experience. Our default recommendation.
Combined + All Risks
Adds 'all risks' cover for portable items (jewellery, watches, electronics) anywhere in the world. Essential for clients with significant high-value portable items.
Real-World Scenarios
Burglary while the family is on holiday
Forcible entry through a back window; KES 850K worth of electronics, jewellery, and cash stolen. Combined homeowners with all-risks settles the loss, replaces the items, and pays the cost of replacing the broken window and door lock.
Flash flooding damages ground floor
Heavy rain causes flooding into a Karen home, ruining furniture, electronics, and floor finishes. Buildings cover handles the floor reinstatement; contents cover handles the personal items; both subject to the policy excess.
Visitor slips on a wet step
A visitor falls on the entrance steps after a rainfall and breaks a wrist. Owner's liability section settles the medical claim and any negotiated damages, plus the legal costs of defending the claim if it goes to court.
Optional Benefits & Add-ons
All-risks rider for portable valuables
Domestic workers' WIBA (legally required for housekeepers, guards, nannies)
Loss of rent / alternative accommodation following an insured loss
Public liability for accidents at the property
Subsidence and landslip cover
Political violence and terrorism (PVT)
Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.
Frequently Asked Questions
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Quotes from Kenya's leading underwriters
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