Landlord Insurance in Kenya
Protect the property that generates your income — the building, your liability, and the rent itself.
We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.
Landlord insurance protects a rental property owner on three fronts: the building against fire, perils and damage; the owner's liability if a tenant or visitor is injured; and the rental income that stops when insured damage makes the property unlettable.
Why you need it
What happens if your property can't generate rental income? Tenants relocate; the mortgage, land rates and caretaker still get paid. For a landlord, the building is the machine and the rent is the product — insuring one without the other protects only half your investment.
We build landlord cover around your actual exposure: the reinstatement cost of the building, landlord's fixtures and fittings, your legal liability to tenants and visitors, and the months of rent at risk while repairs run. Then we compare insurers so the premium fits a landlord's margins, not a corporate's.
What's covered
The building
Fire, lightning, storm, flood, burst pipes and other insured perils, at reinstatement value.
Owner's liability
Injury or property damage suffered by tenants, visitors and third parties for which you're liable.
Loss of rent
Rental income lost while the property is uninhabitable following insured damage.
Landlord's contents
Fixtures, fittings and furnishings you provide in the let property.
Who this is for
- Landlords of apartments, maisonettes and rental homes
- Owners letting commercial units, shops or offices
- Diaspora owners with tenanted property in Kenya
- Property managers arranging cover on behalf of owners
Why arrange it through Naveah Capital?
Property risk is priced very differently from one insurer to the next — construction type, occupancy and claims record all move the premium. As an independent, IRA-licensed broker we place your risk where the terms are strongest across 9+ of Kenya's leading insurers, set sums insured at true reinstatement value so claims pay in full, and manage every claim from notification to settlement. It costs you nothing extra, and it's how our clients reach a 97% claims success rate.
Frequently asked questions
Does landlord insurance cover unpaid rent?
Standard loss-of-rent cover pays when the property can't be occupied because of insured damage — not when a tenant simply defaults. Tenant-default protection is a separate product; ask us and we'll advise what's available.
Are my tenant's belongings covered?
No — your policy covers the building and your own fixtures. Tenants insure their own contents. It's worth telling tenants this when they move in.
I live abroad. Can I arrange everything remotely?
Yes. We handle quotes, documents and claims by phone, email and WhatsApp, and deal with the property manager on the ground where you have one.
Ready to protect the asset?
Share the property details and a specialist will compare insurers and reply within the hour.
Protect My Rental Property
A few quick questions — we reply within the hour.
Thank you — we've received your request.
Farzana Sumra will personally contact you within the hour with your best options.
IRA Licensed
KSB Member
Reviews 4.9
97% Claims Success
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