Real Estate Insurance in Kenya

What are you protecting?

Every property risk has its own cover

Choose your situation — each page speaks your language, not insurance jargon.

Commercial PropertyOffices, retail, industrial and mixed-use buildings.Property DevelopersProtection through construction, completion and sale.Landlords & RentalsThe building, the liability and the rent it earns.Construction All-RiskContractors' all-risk for works, plant and liability.Apartment BuildingsBlocks, gated communities and managed residences.Owners' LiabilityWhen someone is injured on your property.Loss of RentThe rent that stops when the building can't be let.Property PortfoliosMultiple properties, one risk strategy, one renewal.

What is real estate insurance?

Real estate insurance in Kenya covers the risks that come with developing, owning and letting property: damage to buildings under construction or in use, the owner's liability to tenants and visitors, damage to plant and equipment, and the rental income a property loses when insured damage strikes. The right combination depends on whether you're building, holding or letting.

Naveah Capital is an IRA-licensed insurance agency — we work for the property owner, not for any single insurer. For every property risk we compare terms across 9+ of Kenya's leading insurers, structure the cover around the asset and its income, and stay beside you through every claim.

Your insurance needs change as your property changes

Land → design → construction → completion → occupation → letting → income. Each stage carries a different risk — and a different cover answers it.

1Construction Contractors' all-risk protects the works, materials and site liability.2Completion Building and fire & special perils cover protects the finished asset.3Occupation Owners' liability answers when tenants and visitors are on the premises.4Letting Landlord cover wraps the building, fixtures and legal exposure.5Income Loss-of-rent cover keeps the income flowing after insured damage.6Portfolio Multiple assets consolidated under one programme and renewal.

Why property owners choose Naveah

We understand the asset

Reinstatement values, occupancy risk, plant schedules — we speak property, then translate it into cover.

We compare the market

9+ insurers side by side on price, terms and claims record — you choose from the strongest options.

We structure, not just sell

Building, liability and income covers coordinated so nothing is exposed and nothing is paid for twice.

We show up at claim time

Your advisor manages the claim from notification to settlement — a 97% claims success rate says how that goes.

The real estate ecosystem

One development involves many insurable parties. Beyond the building itself, we arrange professional indemnity for the architects, engineers and quantity surveyors and for the estate agents and valuers who sell and value the units, bid and performance bonds for the contractors, and business cover for the companies that occupy the finished space. One agency, the whole project ecosystem.

Frequently asked questions

What insurance does a property owner in Kenya need?

At minimum, building cover at reinstatement value plus property owners' liability. If the property is let, loss-of-rent cover protects the income; if it has significant plant — lifts, generators, solar — those are added to the schedule. We assess the property and recommend only what the risk actually requires.

Do you handle high-value commercial properties?

Yes. Commercial buildings, mixed-use developments and portfolios are placed with the insurers best suited to large property risk, and significant assets get a property review rather than a form-filled quote.

Which insurers do you compare for property risk?

We work across 9+ of Kenya's leading insurers — including APA, Jubilee, Britam, Occidental, GA and Heritage — and place each risk where the terms and claims record are strongest.

What does property insurance cost in Kenya?

Building cover is typically priced as a small percentage of the reinstatement value, adjusted for construction type, occupancy and location, with liability and loss-of-rent added at modest cost. Share the property details and we'll return exact comparisons.