Free Tool
Home Insurance Calculator
Get a quick estimate for your own home or rented apartment — no signup required.
I'm insuring
Rebuild value of your home
What it would cost to fully rebuild the structure today — not its market or land value.
Value of contents
Furniture, electronics, appliances, and belongings, at replacement value.
Construction type
Neighbourhood security
Estimated annual premium
KES 18,400 – KES 27,600
Typical estimate around KES 23,000 / year · KES 1,917 / month equivalent
Buildings cover
KES 6,400 – KES 9,600
Contents cover
KES 12,000 – KES 18,000
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Why is this a range, not a fixed price?
Contents are priced much higher than the structure — around 1% of value versus roughly 0.1% for buildings — because movable belongings carry far higher theft and damage risk than a fixed structure.
This is a planning estimate only, not a quote. Actual premiums, excess, and exclusions vary by insurer.