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Your home is your sanctuary. Let's keep it that way.
Mufasa Insurance Agencies arranges home insurance across Homa Bay County - Homa Bay, Mbita, Rusinga & Mfangano Islands, Oyugis and every town in between. Homa Bay is the centre of Kenya's lake fishery, with Mbita, Sindo and the island communities of Mfangano and Rusinga depending almost entirely on the water. With commercial farming, lake fishing and trading driving the local economy, the cover that makes sense here is specific to Homa Bay. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Homa Bay Is Different
Fishing accidents and sudden lake storms drive the highest personal accident exposure of any economic activity in the county. Island communities face slow medical evacuation, and cage aquaculture is exposed to disease and oxygen crashes. We tell you upfront which of those perils a standard wording covers and which need a specific extension, so nothing surprises you at claim stage.
In Homa Bay the store, the equipment and the stock often matter more than the house itself. A combined package puts the dwelling, outbuildings, contents and business assets on one schedule with one renewal date.
Home claims are scaled down when the sum insured is below the true rebuild or replacement value - the average clause. We work the figure out with you at inception, and revisit it each renewal.
Coverage Details
Damage to your home's structure and contents from fire, lightning strikes, and explosions.
Loss of valuables, electronics, furniture, and cash following a break-in.
Damage caused by burst pipes, overflowing drains, and external flooding.
Accidental damage to fridges, washing machines, TVs, and other home appliances.
If someone is injured at your home and sues you, we cover legal costs and compensation.
Accidental injury or death of your house manager, gardener, or domestic staff.
If your home becomes uninhabitable, we cover the cost of temporary accommodation.
If you're renting and accidentally damage the landlord's property.
The Process
Share your home's location, construction type, and the value of contents you'd like to cover.
We compare rates across our insurer partners and give you the best value policy for your property.
Pay via M-Pesa or card and receive your policy documents the same day.
Questions
Send us a WhatsApp message or call +254 117 435 865 with the basic details of what you need covered. We come back with quotes from several underwriters the same working day, you pick one, pay by M-Pesa or bank transfer, and we issue the documents. Nothing requires you to travel to Nairobi.
We are based in Runda, Nairobi and serve Homa Bay County remotely, which is how most insurance in Kenya is now arranged. Quotes, payment and document issue all happen by phone, WhatsApp and email. When there is a claim, assessors are appointed locally in Homa Bay.
Same day in most cases. Motor certificates, travel certificates and medical cover notes are issued electronically as soon as payment reflects, so you are covered before the documents reach your inbox.
Your landlord's insurance covers the building but NOT your personal belongings. A Contents Only policy protects your furniture, electronics, and valuables, highly recommended for tenants.
Yes, including damage from burst pipes, overflowing drains, and storm floods. Some policies exclude areas with known recurring flood risk, we'll advise you based on your location.
For theft, you need a police abstract from your local station. For other damage, photos and receipts for damaged items. Our claims team guides you through every step.
Yes. We offer landlord policies that cover the building structure, loss of rental income, and landlord liability, separate from tenant's home insurance.
High-value items like jewellery, art, and collectibles need to be specifically listed (scheduled) on your policy. Contact us to ensure they're adequately covered.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.