Real Estate Portfolio Insurance

Portfolio insurance places an investor's multiple properties — across locations and property types — under one coordinated programme, with consistent cover terms, a single renewal, schedule-based additions and deletions, and pricing that reflects the spread of risk across the whole portfolio.

Why you need it

Five properties bought over ten years usually means five policies, five renewal dates, five different sets of exclusions — and gaps nobody has mapped. When a claim lands, the question becomes which policy, which insurer, which terms. Portfolio risk deserves portfolio management.

We consolidate the schedule: every property listed, valued at reinstatement, covered on consistent terms, renewed on one date. Adding an acquisition takes an email, not a new policy. And because the whole portfolio is placed as one account, insurers price the spread of risk — which typically beats the sum of the individual premiums.

What's covered

Who this is for

• Investors holding several rental or commercial properties
• Real estate companies and family property holdcos
• SACCOs, chamas and investment groups with property assets
• Fund and trust structures with managed portfolios

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