Skip to content 
Fire and Related Perils Insurance Policy in Kenya
Protect your property from more than just fire
While fire is a significant risk, many other unexpected events can damage your home. Our Fire and Related Perils Insurance offers comprehensive coverage to ensure you're financially protected in case of various threats. Get the best policy options from the best insurance brokers in Kenya
What is Fire and Related Perils Insurance?
The fire insurance policy secures the interests of property owners against loss or damage to property arising out of fire, lightning and explosion of boilers or gases used for domestic purposes. The perils covered under the fire policy are classified based on their causes. There are social perils caused by human activity such as riot and strike excluding war like activities, malicious damage and civil commotion.
Chemical perils covered include explosion risks where it is restricted to explosion of boilers or gases used for domestic purposes only. As specific boiler explosion cover is available for industrial risks.
These are a wide range of perils originating from nature and beyond human control such as Storm and flood, Earthquake, Subterranean fire, Subsidence, Ground heave and landslides. The fire policy also covers perils arising from escape of water from dams and reservoirs, aircraft damage and impact damage such as those caused by motor vehicles that may veer off the road and cause damage to buildings and related structures covered under the policy.
What perils are covered?
We have a wide range of coverage options enough to find the perfect level of protection for your property.
Fire
This includes damage caused by accidental fires, lightning strikes, and explosions of domestic boilers or gas appliances.
Social perils
Covers losses due to riots, strikes, malicious damage, and civil commotion (excluding war-like activities).
Natural perils
Protects you against damage caused by earthquakes, storms, floods, subsidence, ground heave, landslides, and subterranean fire.
Additional perils
This includes damage caused by escaping water from dams or reservoirs, accidental aircraft impact, and impact from vehicles veering off the road.
FAQS
Fire and Related Perils Insurance is an insurance policy that protects property owners against financial losses caused by various events beyond their control. It goes beyond just fire damage and offers coverage for a broader range of perils.
There are several categories of perils covered under this type of insurance:
- Fire: This includes damage caused by accidental fires, lightning strikes, and explosions of domestic boilers or gas appliances.
- Social perils: Covers losses due to riots, strikes, malicious damage, and civil commotion (excluding war-like activities).
- Chemical perils: Offers limited coverage for explosions from domestic boilers and gas appliances (industrial risks require specific boiler explosion cover).
- Natural perils: Protects you against damage caused by earthquakes, storms, floods, subsidence, ground heave, landslides, and subterranean fire.
- Additional perils: This includes damage caused by escaping water from dams or reservoirs, accidental aircraft impact, and impact from vehicles veering off the road.
The policy validity period (i.e., how long the coverage lasts) is typically stated within the policy document you receive from your insurance company. It’s usually for a period of one year, but it can vary depending on the specific policy and provider.
The specific documents required for a Fire and Related Perils Insurance claim can vary depending on the insurance company and the nature of the claim. However, some commonly needed documents might include:
- The completed claim form provided by your insurance company.
- A copy of your insurance policy.
- Police report (if applicable, such as in case of theft or vandalism).
- Photographs or video footage of the damage (if possible).
- Receipts or proof of purchase for damaged items (for replacement claims).
It’s crucial to consult with your insurance company directly to understand the specific documentation requirements for filing a claim.
The best Fire and Related Perils Insurance coverage for you depends on several factors, including:
- The value of your property and its contents
- Your location and the specific risks prevalent in your area
- Your individual needs and risk tolerance
- Your budget
It’s highly recommended to consult with a professional insurance broker or agent like Midline Insurance Brokers who can assess your individual needs and recommend the most appropriate coverage options within your budget. They can help you compare different policies from various insurance companies and ensure you get the best value for your needs.
Ready to compare available packages?
Compare our Fire and Related Perils Insurance
Get a comprehensive coverage protection against the devastating consequences of fire, natural disasters, and other unforeseen perils.
