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Sanlam General Insurance

Home Insurance

Home cover · Regulated by the IRA

It covers your home for a year. That means the building, what is inside it, and portable things like phones and laptops. It also covers your domestic workers, and claims other people bring against you.

Hear when this changes

What to watch out for

  • Every excess is published and the price is not. You know what a claim will cost you before you know what the cover will.
  • The building section excludes the value of the land under it.
  • An earthquake claim costs you 2% of the sum insured, up to KES 5 million.
  • Standard Chartered sells the policy, Sanlam General carries the risk, and the IRA supervises Sanlam General.
  • The insurer's own page adds two cover amounts the bank page does not publish: KSh20,000 for ATM withdrawal after a home robbery, and KSh50,000 for emergency rescue and fire-fighting.

The details that matter for this kind of plan

What it covers
The building, everything in it, portable things, domestic workers, and claims against you
Claiming on the building
Costs you nothing, except 2% of the sum insured after an earthquake
Claiming on a phone
Costs you KES 2,500. Other contents cost KES 1,000
If a domestic worker is hurt
Up to 8 years of their earnings, KES 100,000 of treatment, KES 30,000 funeral
ATM withdrawal after a robbery at home
Up to KSh20,000
Emergency rescue and fire-fighting
Up to KSh50,000
Who actually pays a claim
Sanlam General Insurance. Standard Chartered only sells it

What if you stop paying?

The cover stops at the end of the year you paid for. Nothing comes back.

What if you need the money early?

There is nothing to take out. This is cover, not savings.

Who this suits

It could work for you if

You want the building, the contents and your phone under one policy, and the claim costs stated up front.

Think twice if

You want to compare prices first. The one number this page will not print is what a year costs.

What they tell you

  • Do they say who regulates them?
    Yes — the IRA. That is who you complain to.

Talk to them

Compared with the others

There are 6 other plans of this kind on the board. See all 7 side by side — what each one leaves you with, and which of them will not say.

What the documents actually say

Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.

Where we got this