Protect Your Home and Assets

Your home is likely one of your most significant investments. Property insurance from Brainstorm Insurance Brokers Limited provides comprehensive protection for your home, its contents, and your valuable possessions, ensuring you can rebuild and recover quickly from unexpected events.

What We Cover

Our comprehensive property insurance policies provide extensive coverage for various risks:

• Building Structure: Coverage for the physical structure of your home, including walls, roof, floors, and permanent fixtures like built-in cabinets and plumbing systems
• Personal Belongings: Protection for furniture, electronics, appliances, clothing, jewelry, and other personal items inside your home
• Fire and Smoke Damage: Complete coverage for damage caused by fire, smoke, and soot, including the cost of repairs and replacement of damaged items
• Theft and Burglary: Protection against loss or damage due to theft, burglary, or attempted break-ins
• Natural Disasters: Coverage for damage from earthquakes, floods, storms, lightning, wind, and hail (subject to policy terms)
• Water Damage: Protection against water damage from burst pipes, leaking appliances, and plumbing failures
• Vandalism and Malicious Damage: Coverage for intentional damage to your property
• Third-Party Liability: Protection if someone is injured on your property or if you accidentally damage someone else's property
• Alternative Accommodation: Coverage for temporary housing costs if your home becomes uninhabitable due to a covered event
• Debris Removal: Coverage for the cost of removing debris after a covered loss
• Loss of Rent: For landlords, coverage for lost rental income if the property becomes uninhabitable

Property Insurance Options

We offer various property insurance policies tailored to different needs:

• Home Insurance (Homeowners Insurance): Comprehensive coverage for homeowners, protecting both the structure and contents of your home. Ideal for property owners who want complete protection.
• Renters Insurance: Protection for tenants covering personal belongings, liability, and additional living expenses. Affordable coverage for those renting apartments or houses.
• Commercial Property Insurance: Coverage for business properties including offices, warehouses, retail spaces, and industrial facilities. Protects buildings, equipment, inventory, and business interruption.
• Landlord Insurance: Specialized protection for property investors covering building structure, loss of rent, liability, and property management risks.
• Contents Insurance: Standalone coverage for personal belongings, ideal for renters or those who own their home but want additional contents protection.
• Building Insurance: Coverage specifically for the structure of your property, suitable for landlords or those with separate contents coverage.

Understanding Your Coverage

Property insurance policies typically include:

• Sum Insured: The maximum amount your policy will pay for a covered loss. It's important to ensure your sum insured reflects the current replacement cost of your property.
• Excess/Deductible: The amount you pay out-of-pocket before your insurance coverage begins. Higher excess usually means lower premiums.
• Coverage Types: Replacement cost (pays to replace items at current prices) or actual cash value (pays depreciated value).
• Exclusions: Specific risks not covered, such as wear and tear, intentional damage, or certain natural disasters (may require separate coverage).

Additional Coverage Options

Enhance your property insurance with optional coverage:

• High-Value Items: Additional coverage for expensive jewelry, artwork, antiques, or collectibles
• Home Office Coverage: Protection for business equipment and liability if you work from home
• Garden and Outdoor Structures: Coverage for sheds, garages, fences, and landscaping
• Identity Theft Protection: Coverage for expenses related to identity theft
• Legal Expenses: Coverage for legal costs in property-related disputes

Why Property Insurance is Essential

Property insurance is crucial because:

• Your home is likely your largest financial asset
• Natural disasters and accidents can happen unexpectedly
• Repair and replacement costs can be financially devastating
• Liability claims can result in significant legal and financial consequences
• Peace of mind knowing your investment is protected

Claims Process

In the event of a claim, our process is straightforward:

1. Report the Incident: Contact us immediately after discovering damage or loss
2. Document the Damage: Take photos and videos of all damage and keep receipts for damaged items
3. File Your Claim: Complete the claim form with all necessary details
4. Assessment: An adjuster will assess the damage and determine coverage
5. Settlement: Once approved, you'll receive payment to repair or replace damaged items

Get Protected Today

Don't wait for disaster to strike. Contact us today to find the right property insurance policy that protects your home and gives you peace of mind. Our experienced brokers will assess your needs, explain your coverage options, and help you choose a policy that fits your budget and provides adequate protection. Call us at +254104490194 (WhatsApp) or 0100021982 (Landline) or email info@brainstorminsurance.org to get started.