Heritage Home & Property Insurance
Heritage Insurance
Last updated: April 16, 2026
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0/5Based on 0 Reviews
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Pros & Cons
Pros
- Reinstatement value basis (no depreciation)
- Domestic staff liability included
- 12-month rent loss protection
- High 81% claims payout ratio
- Multi-policy bundle discount
Cons
- Unoccupied property restriction (60 days)
- Terrorism requires separate rider
- Valuation required above KES 10M
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Product Details
Features
- Reinstatement value basis (not depreciated)
- Building cover including boundary walls and gates
- Contents cover up to KES 10M
- All-risks extension for portable electronics
- Burst pipes, fire, theft, riot and strike included
- Accidental damage extension available
- Domestic staff PAYE liability cover
- Rent loss for up to 12 months post-claim
Eligibility Requirements
Age: 18 - 80 years
Required Documents
- Title deed or lease agreement
- National ID
- Professional valuation report (property over KES 10M)
- Latest electrical safety certificate
- KRA PIN
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