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Property Insurance

Protect Your Property,
Protect Your Investment

Home, commercial, and rental property cover against fire, theft, floods, and natural disasters. UltraSure finds you the right property policy across Kenya.

Cover Options

Choose Your Plan

All plans include a dedicated UltraSure agent, instant digital certificates, and 24/7 claims support.

Homeowner's Policy
From KSh 8,000 / yr
All-risks cover for owner-occupied residential properties, including contents and personal effects.
  • Building structure cover
  • Contents & personal effects
  • Burglary & theft
  • Public liability
  • Temporary accommodation costs
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Best for Investors
Landlord Policy
From KSh 12,000 / yr
Designed for property investors and landlords letting residential or commercial units.
  • Building structure cover
  • Loss of rent benefit
  • Tenant liability cover
  • Malicious damage
  • Flood & storm cover
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Commercial Property
From KSh 20,000 / yr
Comprehensive cover for office blocks, warehouses, factories, and retail premises.
  • Building & contents
  • Business interruption cover
  • Equipment breakdown
  • Public liability
  • Consequential loss
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Not sure which plan is right for you?

Speak to a dedicated UltraSure agent — we'll analyse your needs and match you to the most suitable and cost-effective cover.

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Why UltraSure

What Sets Us Apart

Structure Cover
Full reinstatement cover for your building including fixtures and permanent fittings.
Theft & Burglary
Cover for forced entry, burglary, and theft of contents from your property.
Natural Disasters
Optional cover for flood, earthquake, subsidence, and storm damage.
Loss of Rent
Landlord policies include loss of rental income if the property becomes uninhabitable.
Underwriters We Work With
Jubilee Insurance
CIC Insurance
Britam
APA Insurance
GA Insurance
Madison Insurance
Geminia
ICEA Lion
Common Questions

Frequently Asked Questions

A professional valuer assesses your property's reinstatement value (cost to rebuild, not market value). UltraSure can recommend accredited valuers.
Standard policies may exclude floods. However, add-on flood cover is available from several of our partner underwriters. Your agent will advise on exposure in your area.
Landlord policies cover the building structure but not tenants' personal belongings. Tenants should obtain their own contents insurance.
The policy pays the full reinstatement value to rebuild. Your agent manages the assessment and claim settlement process directly with the underwriter.
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Ready to Get Covered?

Get a personalised quote in under 2 minutes. A UltraSure agent will reach out within 24 hours.

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