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Types of Valuable Possessions Covered by Insurance in Kenya and How to Choose the Right Cover

Our homes are filled with valuable possessions that we cherish. We have worked hard for and invested time, money, and emotions in these things. 

Now, take a moment to consider: What are your most cherished possessions? Is it the antique heirloom passed down through generations, the state-of-the-art electronics that make your life more convenient, the new Mac Book or Phone you just bought, or perhaps the new gold wedding ring with a lot of sentimental value?

There is a solution in Kenya to have your valuable possessions secured under the Home Insurance Cover. Let’s Dive in on what this Cover is all about.

Types of Valuable Possessions Covered In Kenya By Insurance Companies

In Kenya, the types of valuable possessions covered under insurance can vary depending on the specific policy, but some of the most common ones include:

    • Jewelry
    • Electronics and appliances
    • Musical Instruments
    • Collectibles
    • Inherited items
    • Sporting equipment
    • Furs and leather goods

It’s important to remember that this is not an exhaustive list and specific coverage details can vary significantly between insurance providers and policies. 

Contact Dawit Insurance Agency to discuss your specific needs and get a detailed explanation of what is and is not covered under your valuable possessions insurance policy.

However, here are some additional things to remember when considering valuable possessions insurance in Kenya.

5 Proven Steps to Get the Right Valuables Insurance

When discussing this cover with your insurance agency, you should look out for these things to help you pick the right cover and lower the insurance premium by taking action on some things prior.

  1. Replacement value vs. market value

Some policies offer replacement value coverage, which means they will pay the cost of replacing your lost or damaged item with a new one of similar quality. 

Other policies offer market value coverage, which means they will pay the current market value of the item at the time of loss.

In Kenya, any item above KES 50,000, is subject to valuation. This is guided by the insurance agency. Reach out to us to help you ease your burden.

  1. Policy Excess and exclusions

What do the two terms mean? When it comes to policy excess, Imagine this as your share of the cost if something happens to your valuables.  Just like with car insurance, you’ll need to pay this amount before your insurance kicks in. 

Exclusions are situations where your insurance won’t cover any losses. It’s like a list of “no-go zones” for your valuables.

Be sure to understand the deductible you will need to pay in case of a claim, and any exclusions that apply to your policy.

  1. Security measures

Some insurance companies may offer discounts on your premium if you take certain security measures, such as installing an alarm system or a safe. 

  1. Inventorying your possessions

Maintain a detailed inventory of your valuables with photos and receipts. This simplifies the claims process and ensures proper coverage.

  • Valuation
  • Mention change in inflation.
  • What is the value of one of gold in the year 2000 against today?


Securing your most cherished possessions is not just a choice; it’s a responsibility that demands the right partner. 

When choosing the right insurance for your valuables, Dawit Insurance Agency stands out as a partner that goes beyond the ordinary. 

Our team is dedicated to tailoring solutions to your specific needs, and clarifying what is and isn’t covered under your policy. We believe in transparent communication, empowering you to make informed decisions about protecting your most treasured belongings.