Property, Fire & Burglary Insurance
Personal Insurance

Property, Fire & Burglary Insurance

Protect your building, contents and stock against property-related risks — for homes, businesses and rental property across Kenya.

We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.

Why you need it

Fire, break-ins and burst pipes can destroy in minutes what took years to build. The right cover puts you back where you were — rebuilding, restocking and replacing without a crippling out-of-pocket bill.

Property insurance isn't one-size-fits-all: the right protection depends on the building, its use, its contents and its financial exposure. We compare fire, burglary and all-risk policies so your buildings, contents and stock are valued and protected correctly, whether it's a family home, a busy shop or a tenanted property.

Insuring a rental property, a commercial building or a development? Our Real Estate Insurance section covers the bigger picture — landlord cover, commercial property, owners' liability and loss of rent.

Fire, break-ins and burst pipes can undo years of work in minutes, and rebuilding or restocking out of pocket can cripple a household or a business. Correct valuation matters: under-insure and your claim is reduced; over-insure and you overpay. We help you get the sums insured right and compare insurers on both price and claims reputation.

What's covered

Fire & perils

Fire, lightning, explosion and related perils to buildings and contents.

Burglary & theft

Forced-entry theft of stock, equipment and household contents.

All-risk

Portable items and accidental damage cover for higher-value possessions.

Who needs this cover?

  • Homeowners protecting their house and contents
  • Shop and business owners protecting stock
  • Landlords insuring rental properties
  • Anyone with high-value contents to safeguard

Why buy through Naveah Capital?

Buying fire & burglary through an independent broker costs you nothing extra, yet changes everything about the outcome. Instead of accepting one insurer's price, you get 9+ compared side by side — premium, benefits, exclusions and claims reputation. We negotiate on your behalf, explain the fine print in plain language, and manage any claim from first notification to final settlement. It's how our clients reach a 97% claims success rate and rarely overpay at renewal.

Frequently asked questions

Can I cover both my building and its contents?

Yes — most policies let you insure the structure, the contents, and business stock separately or together.

Do I need a valuation?

For larger properties a valuation ensures you're neither under- nor over-insured. We'll advise when it's worth it.

Is theft without forced entry covered?

Standard burglary cover requires evidence of forced entry; all-risk extensions can broaden this. We'll clarify per insurer.

Ready for your best quote?

Share a few details and we'll compare insurers and reply within the hour.

Farzana Sumra, Naveah Capital Insurance advisor

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