Property Insurance

Kenya’s architectural renaissance—from gleaming skyscrapers in Westlands to sturdy homes in the leafy suburbs of Karen—demands vigilant protection against nature’s whims and human hazards. Ronji Insurance Agency excels in property insurance, fortifying assets with bespoke coverage honed over 25 years. Whether safeguarding a commercial plaza in Upper Hill or a family villa in Mombasa, our policies mitigate risks in a country prone to floods, fires, and theft, ensuring your investments remain secure.

Our property insurance portfolio is comprehensive, covering buildings, contents, and liabilities in line with the Insurance Regulatory Authority (IRA) standards. Fire and allied perils insurance defends against blazes, lightning, explosions, and natural disasters like floods, which have surged in frequency in areas like Budalangi due to climate change. For homeowners and landlords, our all-risk contents coverage secures valuables—electronics, furniture, or business inventory—against theft, vandalism, or damage from riots, a concern in urban centers during unrest. Public liability coverage, with limits up to KES 50 million, shields property owners from claims arising from injuries or damages to third parties, such as a tenant’s accident in a rental unit’s common areas.

Premiums are tailored to your property’s specifics, starting at KES 10,000 annually for modest homes and scaling for commercial complexes. We factor in Kenya-specific risks, like seismic activity in the Rift Valley or coastal erosion in Lamu, ensuring precise pricing. Optional extensions include earthquake coverage for high-risk zones, business interruption to compensate for lost rental income during repairs, and terrorism protection, increasingly relevant given global security dynamics. For eco-conscious property owners, we offer discounts for green buildings certified under Kenya’s sustainable construction standards, aligning with Nairobi’s push for environmentally friendly urban development.

Our tech-driven approach sets us apart. We use drone-assisted assessments for accurate property valuations, particularly for large estates or industrial sites, and AI-powered risk models to ensure fair pricing. In the event of a claim, our 72-hour rapid response teams collaborate with accredited surveyors for swift payouts, minimizing disruption. Our network of repair contractors spans major cities like Kisumu and Eldoret, ensuring quality restoration.

In Kenya’s booming real estate market, projected to grow at a 7% CAGR, our policies adapt to emerging trends. We cover mixed-use developments, a rising trend in Nairobi, and offer specialized endorsements for Airbnb hosts or rental property managers. A Nakuru developer shares, “Ronji rebuilt our warehouse post-flood in weeks, saving our business.” With a claims settlement ratio of 96%, we turn promises into action.

Secure your property with Ronji—your trusted partner in Kenya’s property market. Call +254 721 944363 or +254 703 436219 or visit ronjiinsurance.co.ke for a customized quote. Protect your legacy today.