Home Insurance

Home insurance that’s both reliable and affordable

Home insurance (also known as household insurance) is one of the most important insurance products on the market. It’s no secret that people take great pride in their home and spend a huge amount of time and effort in making it their perfect place, often at great expense. With this in mind, high-quality home or household insurance is paramount as it needs to give all-round protection to your prized asset.

Home insurance is split into two areas. Firstly, it covers the physical structure of your home – this is known as buildings insurance or buildings cover. Secondly, it covers all the items or possessions inside the home – this is known as contents insurance or contents cover.

Sleep Easy with a leading home insurance product.

Home insurance products are underwritten by quality local Insurers. It is simple to set-up, cost-effective and designed to cover all the things that matter to you. When it comes to something as personal and unique as home insurance, attention to detail is everything. That’s why we’ve reduced the number of exclusions and increased the number of benefits. Here are just some of the benefits of Philmark’s home insurance:

  • Buildings and contents cover on a full all risks basis, including accidental damage and theft.
  • All sections are on a full reinstatement basis, so no itemising of contents is required.
  • One overall sum insured for the entire property.
  • Buildings cover includes swimming pools, outbuildings, generators, pumps, solar panels, tennis courts, walls, gates, fences, satellite dishes and much more.
  • Contents 25% limit of sum insured for any one item.
  • A set excess on buildings and contents of KES 10,000.
  • Personal possessions covered worldwide and no need to specify items under KES 400,000.
  • WIBA included as is employers liability cover.
  • Public Liability up to KES 20m.
  • Designated loss adjuster.
  • Multi properties and rented out properties can be included
  • Makuti roofs acceptable.