Introduction: Protecting Your Most Valuable Assets

In the heart of every home lies a lifetime of effort, emotion, and investment. Whether you own a luxurious townhouse in Karen, a bungalow in Ruiru, or rent an apartment in Kilimani, your home is more than just a building—it’s a sanctuary. But have you ever asked yourself: What would happen if a fire broke out? Or if your house was burglarized?

Domestic insurance, also known as home insurance or household insurance, is the answer. At Bima Express Insurance Agency, we specialize in helping Kenyan families protect their homes, belongings, and peace of mind.

What is a Domestic Insurance Package?

A Domestic Insurance Package is a comprehensive insurance policy that covers your home and its contents against risks like:

• Fire and lightning

• Theft or burglary

• Flooding and water damage

• Explosion or storm damage

• Accidental damage to household goods

• Liability to third parties

Some policies even extend to cover domestic workers (househelps, gardeners), guests’ belongings, or temporary accommodation if your house becomes uninhabitable.

Why is Domestic Insurance Important in Kenya?

1. High Risk of Fire and Theft

According to local reports, Nairobi County records hundreds of residential fire and burglary incidents annually. Most of these cases result in total losses for uninsured homeowners.

Imagine replacing your electronics, furniture, clothing, and structural damage all at once. It could cost millions. Domestic insurance ensures you’re not alone in such a crisis.

2. Rising Real Estate and Household Item Costs

With the cost of living and property prices rising, so is the value of everything in your home. A single room’s contents can exceed Ksh 300,000. Why leave such assets unprotected?

3. Peace of Mind

Insurance is not just financial protection; it’s emotional security. Knowing your home is insured allows you to live stress-free—even when you travel or leave your house unattended.

Types of Domestic Insurance Cover

a. Building Insurance

Protects the physical structure of your home: walls, roof, plumbing, and fixtures. Ideal for property owners and landlords.

b. Contents Insurance

Covers movable items such as electronics, furniture, appliances, and personal effects. Suitable for both tenants and homeowners.

c. Combined Package

A comprehensive package that includes both the building and its contents. This is the most recommended option for full protection.

Who Needs Domestic Insurance in Kenya?

• Homeowners – To protect the physical house and everything inside.

• Tenants – Even if you don’t own the building, your personal items are at risk.

• Landlords – To cover structural damage and protect rental income.

• Holiday Homeowners – Properties left vacant are more vulnerable.

• Professionals and Business Owners – High-value homes often require higher insurance coverage.

Real-Life Scenario: The Cost of Being Uninsured

Take the example of Peter, a homeowner in Syokimau. In 2023, a power surge caused an electrical fire that damaged his kitchen and destroyed electronics worth over Ksh 400,000. Peter didn’t have insurance. He had to take a personal loan just to begin repairs—setting back his finances by nearly two years.

Had Peter insured his home with Bima Express for as little as Ksh 15,000 annually, he would have received compensation for the damage and avoided debt.

What Does Bima Express Domestic Insurance Cover?

Our packages include:

• Fire, lightning, and explosions

• Theft with forcible entry

• Storm, tempest, and flooding

• Burst pipes and water damage

• Accidental glass breakage

• Loss of rent (for landlords)

• Personal liability coverage

• Optional cover for domestic workers

We also provide customized packages for homes with unique needs—whether it’s an apartment, a gated estate house, or a multi-dwelling property.

Benefits of Choosing Bima Express Insurance Agency

1. ✅ Affordable Premiums – Tailored to your home’s value and risk profile

2. ✅ Fast Claims Processing – Our turnaround time is among the best in Nairobi

3. ✅ Free Risk Assessment – We help you understand what needs protection

4. ✅ Flexible Payment Plans – Monthly, quarterly, or annual options

5. ✅ 24/7 Support – Always here when you need us

How to Get Domestic Insurance in Kenya (Step-by-Step Guide)

1. Contact Bima Express via phone, email, or visit our Nairobi office.

2. Site Assessment – We evaluate the property and help estimate value.

3. Get a Quote – Based on your home type, location, and required coverage.

4. Review and Customize – Choose add-ons like personal accident or pet insurance.

5. Sign and Activate – Pay your premium and get covered immediately.

6. Enjoy Peace of Mind – Your home is now protected.

FAQs: Domestic Insurance in Kenya

Q1: Is domestic insurance only for homeowners?
No. Tenants can insure their belongings too, even if they don’t own the house.

Q2: How much does it cost?
It varies, but most packages start as low as Ksh 10,000 – Ksh 25,000 annually.

Q3: How do I file a claim?
Contact us immediately after an incident, provide required documents (photos, police report, etc.), and we’ll process your claim promptly.

Q4: Is domestic insurance compulsory in Kenya?
Not legally—but many banks now require it for mortgages and property financing.

Conclusion: Secure Your Home Today

Life is unpredictable, but your home doesn’t have to be unprotected. A single accident or break-in could cost you years of savings. Domestic insurance is a small investment that offers massive security.

At Bima Express Insurance Agency, we are committed to protecting Kenyan families with trusted, affordable, and fast insurance solutions.

Call to Action

👉 Ready to insure your home?
Call us today at +254 729 044 687, visit our website bimaexpress.co.ke, or stop by our Nairobi office for a free consultation.