Kenya · InsuranceHomeInsurance
Nairobi floods. Break-ins. Fire. Cover that pays out when it matters most.
Trusted Cover
Kenya · Acentria
About This Cover
Why Home Insurance?
Kenya's long rains flood neighbourhoods from Rongai to Ruiru. Burglaries in Nairobi's estates average KES 250,000 per incident. A house fire can cost KES 3–8 million to rebuild. Most homeowners only find out what their policy doesn't cover when they file a claim. Acentria Home Insurance is different — plain-language policies, new-for-old replacement, and claims decisions within 5 working days.
"Nairobi floods. Break-ins. Fire. Cover that pays out when it matters most."
Coverage Details
What's Covered
Home Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Buildings cover — structure, walls, roof, permanent fixtures
Contents cover — furniture, electronics, clothing, personal items
Fire, lightning, and explosion
Theft and burglary (with or without forced entry)
Flood, storm, and burst pipes
Accidental damage to fixed glass
Employer liability for domestic staff
Temporary accommodation (up to 6 months) if home is uninhabitable
All-risks extension — valuables covered anywhere in Kenya
New-for-old replacement (no depreciation)
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Home Owner — Comprehensive
Full buildings and contents cover for property owners. Includes all perils, new-for-old replacement, and domestic employer liability.
- Buildings & contents
- New-for-old replacement
- Flood & burglary
- Domestic employer liability
- Temporary accommodation
Tenant Cover
Contents-only cover for renters in Nairobi, Mombasa, Kisumu, and beyond. Protects your electronics, furniture, and personal items.
- Contents & valuables
- Theft and burglary
- Fire and storm
- Personal liability
- All-risks extension available
Landlord Cover
Buildings-only cover for rental property owners. Protects the structure, fixtures, and your liability as a landlord.
- Buildings structure
- Landlord liability
- Loss of rent cover
- Malicious damage by tenants
- Multiple units accepted
Why Acentria
Why Choose Us
New-for-Old, Always
We replace stolen or damaged items with brand-new equivalents — zero depreciation deductions. Your KES 150,000 TV is replaced at today's price, not its "depreciated value."
Flood-Aware Underwriting
We understand Nairobi's flood risk. Our policies cover storm and flash-flood damage with no "act of God" exclusions hidden in the fine print.
5-Day Claims Decision
Most home claims are assessed within 5 working days. Our panel of surveyors across Nairobi, Mombasa, and Kisumu means no long waiting queues.
All-Risks Extension
Extend your cover to valuables (laptop, camera, jewellery) anywhere in Kenya — not just inside your home. One policy, total protection.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
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Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Motor — Comprehensive Claim
SME Fleet Owner
A Nairobi-based SME fleet owner suffered a serious rear-end collision on the Thika Superhighway. Acentria lodged the claim, appointed an approved repairer, and managed all insurer correspondence. The full repair cost was paid and the vehicle returned to the road in 12 working days — minimising lost business income.
Amount Paid
KES 1,850,000
Settlement
12 days
Health — Emergency Hospitalisation
Corporate Professional
A Nairobi-based corporate professional required an emergency appendectomy at Aga Khan Hospital. Acentria obtained pre-authorisation within 2 hours of notification. The hospital bill was settled directly with the insurer — the client paid nothing out of pocket and was discharged within 5 days.
Amount Paid
KES 340,000
Settlement
5 days
Home — Burglary & Theft
Private Individual
A Karen homeowner returned from travel to find electronics and valuables stolen during a break-in. Acentria lodged the police abstract and supported the client through the claims documentation. New-for-old replacement at current market value was settled in 8 working days — no depreciation applied.
Amount Paid
KES 680,000
Settlement
8 days
Business — Fire & Business Interruption
Industrial Area SME
An electrical fire at an Industrial Area warehouse destroyed a significant portion of stock. Acentria appointed a specialist loss adjuster within 24 hours and activated the business interruption cover simultaneously. Stock replacement and ongoing business expenses were paid throughout the rebuild — total settlement reached in 18 working days.
Amount Paid
KES 4,200,000
Settlement
18 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Acentria's motor insurance claim was processed in under 24 hours. Their team guided me through every step — truly outstanding service.
David Mwangi
Fleet Manager, Transline Group
Our company has relied on Acentria for group life and health cover for three years. They understand the African insurance landscape better than anyone.
Grace Kamau
Head of HR, Safaricom PLC
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Nairobi
Westlands Road, Westlands, Nairobi
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Home Insurance.
Speak with one of our Kenya specialists today and get a personalised solution within 24 hours.
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