Home Insurance

Protect Your Space, Secure Your Peace of Mind. A home represents more than shelter—it’s a place of comfort, safety, and investment. Whether you own or rent, home insurance provides financial protection against unexpected events like fire, burglary, floods, and other risks that could disrupt your life.

Through OWNIT Insurance Agency, individuals and property owners can access tailored home insurance plans from Kenya’s leading insurers, ensuring that both structures and belongings are fully covered—without overpaying or overlooking critical risks.

Backed by Experience

Decades of experience helping Kenyans protect their homes with clarity and confidence.

Nationwide Trust

Homeowners and renters rely on OWNIT for dependable cover.

Home insurance is essential for

Homeowners looking to protect their property and investments
Tenants or renters who want to secure their personal belongings
Landlords with rental units exposed to damage or theft
Mortgage holders (often required by lenders)
Holiday home and Airbnb property owners
Professionals with valuable in-home equipment and electronics

No matter the property type, OWNIT helps match clients with plans that align with their coverage needs and budget.

What Does Home Insurance Cover?

Home insurance is offered in two main categories, with optional benefits available depending on your risk exposure and lifestyle.

1. Building Insurance (Structure Cover)

Protects the physical structure: walls, roof, floors, ceiling, windows, etc.
Covers losses caused by fire, flooding, vandalism, or natural disasters
Ideal for homeowners and landlords

2. Contents Insurance (Household Items)

Covers personal belongings like electronics, furniture, appliances, clothing, etc.
Includes protection from burglary, fire, water damage, or accidents
Tenants can apply even without owning the home

Optional Add-ons

All-Risks Cover – For portable valuables such as phones, laptops, or jewellery
Loss of Rent / Alternative Accommodation – If your home becomes uninhabitable
Personal Liability Cover – Protection if someone is injured on your property
Home Office Equipment – Ideal for remote professionals or consultants
Domestic Staff Injury Cover – WIBA cover for house helps or caretakers

Assess

Provide basic information about your property or contents for evaluation.

Select

Choose from policy options based on value, risk level, and personal preferences.

Cover

Activate your plan and receive your certificate-protection starts immediately.

Properties

Frequently Asked Questions

What’s the difference between building and contents insurance?

Building insurance covers the structure (walls, roof, etc.); contents insurance protects items inside your home like electronics, furniture, and appliances

Can tenants buy home insurance?

Yes, renters can purchase contents-only cover to protect their personal belongings, even if they don’t own the property.

Is it really important to insure my home?

Yes – home insurance protects your property and valuables from unexpected losses like fire, burglary, or water damage. It ensures quick recovery and peace of mind without draining your savings.

Smart Living Starts with Smart Protection

Unexpected losses can happen in seconds. Recovery shouldn’t take months. Through OWNIT, clients access responsive, well-structured home insurance solutions backed by insurers known for prompt claims and solid customer service.

📞 Let’s protect your home and everything in it.

Call +254 722 667 531 | +254 791 388 191
or Email info@ownitagency.com