Loss of Rent & Rental Income Insurance
When insured damage empties the building, this is the cover that keeps the income flowing.
We compare 9+ of Kenya's top insurers so you get the best cover at the lowest price.
Loss of rent insurance pays the rental income a landlord loses when insured damage — such as fire or flood — makes the property wholly or partly unlettable, for an agreed indemnity period while repairs are completed. It responds to insured damage, not tenant default.
Why you need it
What happens to your rental income while the property is being restored? Repairs after a serious fire can take a year or more. The mortgage, land rates, security and service contracts continue — the rent doesn't. For leveraged landlords this gap, not the rebuild itself, is what forces distressed sales.
We size the cover to your real exposure: the gross rent at risk, and an indemnity period long enough to actually rebuild and re-let — often 12 to 24 months, not the optimistic minimum. It's typically added to your building policy for a modest additional premium.
What's covered
Lost rental income
The rent you can't collect while insured damage makes the property unlettable.
Partial loss
Proportional payment when only some units are uninhabitable.
Indemnity period
Cover running for the agreed period — commonly 12–24 months — while repairs and re-letting complete.
Alternative accommodation
For owner-occupied homes, the cost of equivalent housing during repairs (policy-dependent).
Who this is for
- Landlords whose mortgage depends on the rent
- Apartment block owners with many tenancies at risk
- Commercial landlords with anchor tenants
- Investors who model returns on continuous occupancy
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 loss of rent cover a tenant who just stops paying?
No — it responds to insured physical damage that makes the property unlettable. Tenant default is a credit risk, insured separately where available. We'll explain both options.
How long should the indemnity period be?
Long enough to get approvals, rebuild and re-let — for substantial buildings that's rarely under 12 months. We recommend a period based on realistic reconstruction timelines, not best-case ones.
Is it a separate policy?
Usually an extension to the building/fire policy rather than a standalone product, which keeps it inexpensive relative to the income it protects.
Ready to protect the asset?
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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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