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Service · Home & Personal Accident

Protect your home and your income.

Cover for the house you've built, the things inside it and the income you'd lose if an accident kept you from working.

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A family standing proudly outside their newly built home, keys in hand.
Who it's for

Protection for everyday life.

Homeowners

Protect the building you have invested years in.

Tenants

Your landlord insures the building, but not your furniture, electronics or valuables.

Active people & commuters

Personal accident cover pays out if an injury keeps you from working.

What's covered

What this cover can include.

Exact benefits depend on the ICEA LION plan you choose. I'll go through every one with you.

Confirm against ICEA LION product sheet
  • Buildings coverFire, storm, flood, burglary damage and more, up to the rebuild value.
  • Contents & all-risksFurniture, electronics and valuables, at home and on the move.
  • Personal accidentPayouts for accidental injury, disability or death, plus medical expenses.
  • Affordable premiumsAnnual cover with easy payment by M-PESA or bank.
Why it matters

Life happens. Be ready for it.

A burst pipe, a break-in or a boda boda accident can set a family back months. Home and personal accident cover is some of the most affordable protection there is, and it means a bad day stays a bad day rather than becoming a financial crisis.

Illustrative scenario, not a real client.
How it works

Three simple steps.

  1. Tell me what to protect

    Your home, its contents, valuables, and your work and lifestyle.

  2. Get the right limits

    We make sure you are not under-insured, which is the most common problem I see.

  3. Claim with support

    I help you gather documents and follow up until the claim is settled.

Questions

Home & Personal Accident FAQs.

Can't see yours? Send me a WhatsApp. I usually reply the same day.

I rent. Do I need home insurance?
Your landlord's policy covers the building, not your belongings. Contents cover protects your furniture, electronics and personal items.
What does under-insured mean?
If you insure your home or contents for less than they are worth, a claim may only be paid in proportion. I will help you set realistic values.
Does personal accident cover illness?
No. It covers accidental injury. For illness, look at medical insurance and critical illness options.
Can I cover my phone and laptop away from home?
Yes, through an all-risks extension on many home policies. I will explain the limits and conditions.
Your next step

Let's build your plan together.

A free, friendly conversation. No pressure, no jargon, no obligation.

Book a Free Consultation Chat on WhatsApp