Home Insurance in Kenya

Protect your home, your belongings, and your loved ones — all in one simple, affordable cover.

Divani has partnered with Kenya’s leading insurance companies to bring you comprehensive home insurance packages (1–5) designed to fit every household. Whether you own or rent, live in an apartment or standalone house, this cover ensures peace of mind knowing that everything you value is protected.

What’s Covered

Your Home (The Building)

Your house structure is protected against unexpected disasters like:

• Fire, lightning, or explosion

• Earthquake, storm, tempest, or floods

• Riot, strike, vandalism, or malicious damage

• Accidental impact (like a car hitting your gate or wall)

• Theft or attempted theft

• Water damage from burst pipes or heating systems

Additional benefits:

• Cost of debris removal

• Fire brigade charges and professional fees (architects, surveyors, engineers)

• Alternative accommodation if your house becomes uninhabitable

• Loss of rental income during repairs

• Accidental breakage of fixed glass or sanitary ware

Your Household Contents

Everything inside your home — furniture, electronics, clothing, and appliances — is covered against:

• Fire, lightning, floods, and earthquake

• Theft, riot, vandalism, and malicious damage

• Accidental damage and water escape

Plus extra protection for:

• Guests’ and domestic workers’ personal effects

• Veterinary expenses if your pets are injured in an accident

• Cost of trauma counselling after a covered loss

• Alternative accommodation and loss of rent

• Fire brigade charges and debris removal

All-Risk Cover (Portable Items)

Your everyday valuables are protected anywhere you go — not just at home.
This includes:

• Jewellery and watches

• Phones, spectacles, sunglasses

• Laptops, cameras, and sporting equipment (like golf clubs or bikes)

• Clothing and personal items normally carried or worn

Domestic Employees Cover

Your household staff are covered under the Worker’s Injury Benefit Act (WIBA) for:

• Accidental death or injury while on duty

• Permanent disability

• Medical expenses due to work-related accidents

Personal Liability

If someone gets injured or their property is damaged because of you or your family’s actions, this cover protects you against legal liability and the associated costs.

Golfers Package

Special protection for golf enthusiasts:

• Loss or damage to golf equipment

• Personal legal liability while playing

• “Hole-in-one” celebration cover

• Caddie’s medical expenses for accidental injury

AAR Road Ambulance Rescue

Round-the-clock emergency response for:

• The insured, family members, guests, and domestic workers

• Medical emergencies anywhere in Kenya, Uganda, Tanzania, Burundi, or Rwanda

Easy Application Process

1. Place your order securely online.

2. You’ll be redirected to upload your KRA PIN and ID/Passport.

3. After order confirmation, you’ll receive a schedule to fill in your property details.

4. Once verified, your digital policy schedule will be sent to you by email or WhatsApp.

Why Choose Divani?

• Partnered with top-rated insurers in Kenya

• Fast, fully online process — no paperwork or long waits

• Flexible packages for every household size and budget

• Reliable protection for your home, contents, and loved ones

Protect what matters most — your home and everything inside it.
Get started today and enjoy true peace of mind with Divani Home Insurance.