What if the property is empty between tenants?

Most policies allow 30 days of vacancy with full cover. Beyond that, theft and water damage cover is typically restricted unless an 'empty property' extension is added with security warranties (regular checks, water turned off, alarm).

Does the policy cover tenant default on rent?

No — loss of rent under a property policy responds only to physical damage that makes the property uninhabitable. Tenant non-payment is covered by a separate Rent Guarantee insurance product, which we can arrange.

Do I need to do tenant vetting?

Yes for full malicious-damage and theft-by-tenant extensions. Insurers typically expect copies of ID, employment letter or business registration, and references from previous landlords. We provide a simple vetting checklist for landlords.

What about Airbnb / short-stay letting?

Many standard landlord policies exclude short-stay rotational use. We place specific short-stay cover for active Airbnb hosts, with adjusted excess and contents terms reflecting higher turnover risk.

Property Insurance

Landlord Insurance

Protects your rental property, rental income, and landlord liability — designed for the realities of letting in Kenya.

Get a Landlord Insurance Quote Talk to an Advisor

Loss of rent includedPublic liability coverTenant damage protectionMulti-property discounts

Loss of Rent

Built-in Cover

Multi-Property

Discounts Applied

Loss of Rent

Built-in Cover

Multi-Property

Discounts Applied

Years Experience

Underwriter Partners

Claims Paid 2024

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Google Rating

Landlord insurance is the dedicated cover for property you own and let to tenants. It differs from standard homeowners in three important ways: it covers loss of rent if the property becomes uninhabitable after an insured event, it provides landlord-specific liability for tenant and visitor injuries, and it recognises that contents (where any are included in the letting) are typically limited to landlord-owned fixtures rather than tenant possessions.

Vike places landlord cover for single-unit lets, multi-unit apartment blocks, and small portfolios. We negotiate excess and warranty wording around realistic Kenyan letting practices — vetting standards, lease terms, and security expectations — and we coordinate cover with the body corporate or service charge insurance where the property is part of a managed development.

What It Covers

Buildings — structure, fixtures, and fittings of the let property
Landlord's contents — fittings, furniture, and appliances supplied to the tenant
Loss of rent following an insured peril (typically up to 24 months)
Alternative accommodation for displaced tenants (in tenant-fault situations)
Landlord's liability for injury or damage caused to tenants and visitors
Malicious damage by tenants (extension on most policies)
Theft by tenants (limited extension; subject to vetting requirements)
Empty property cover (with notification and security warranties)

Who It's For

Owners of single-let residential properties (apartments, houses, maisonettes)
Multi-unit apartment block owners
Holiday home owners letting short-term
Small property portfolio investors
Companies owning staff accommodation or rental property

Types We Cover

Each profile is rated and underwritten differently. Talk to us so we can match your specific situation.

Buildings Only — Single Unit

Cheapest landlord cover. Buildings + landlord liability + loss of rent for one let property. Suitable where tenants insure their own contents.

Buildings & Landlord's Contents

Adds cover for furnished lettings — appliances, furniture, fixtures supplied to the tenant. Common for fully-furnished short-stay and serviced apartments.

Multi-Unit Block

One policy covering an entire apartment block. Simpler administration than per-unit policies. Body corporates and management companies frequently use this structure.

Portfolio Cover

Annual policy covering an entire portfolio of let properties under a single schedule. Premium adjusts at year end based on property values and rental income. For landlords with 5+ properties.

Short-Stay / Airbnb Cover

Tailored for short-term let properties with rotating guest occupancy. Slightly different risk profile from long-term letting; many standard policies exclude short-stay use.

Real-World Scenarios

Fire renders a let property uninhabitable

Buildings reinstatement is covered; the policy also pays the lost rental income for the period the property is being rebuilt (typically up to 24 months). The landlord's cash flow is protected through the rebuild period.

Departing tenant causes deliberate damage

Malicious damage by tenant extension covers the cost of repairs (broken fittings, holes in walls, damaged appliances) above the security deposit. We recommend this extension on every furnished let.

Tenant's visitor injured by a defective balcony rail

Landlord's liability section covers the injury claim — typically several million shillings for a serious fall — including legal defence costs. Critical because property liability follows the freeholder, not the tenant.

Optional Benefits & Add-ons

Malicious damage by tenants

Theft by tenants (subject to vetting warranties)

Extended period of loss of rent (24 → 36 months)

Vacant property cover beyond the standard 30-day period

Public liability uplift for multi-unit properties

Rent guarantee insurance (separate product; reduces void risk)

Availability varies by underwriter. Our advisors will confirm what is available on your chosen policy.

Frequently Asked Questions

No — standard homeowners policies typically exclude rental use. Letting without notifying the insurer can void cover. Switching to a landlord policy is straightforward; we handle the mid-term endorsement.