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Everything you value. Covered everywhere you go.
Mufasa Insurance Agencies arranges all risk insurance across Kilifi County - Kilifi, Malindi, Watamu, Mtwapa and every town in between. Kilifi runs north from Mombasa through Kilifi town, Watamu and Malindi, and its economy is built on tourism, coastal property and a large expatriate and retiree community. With commercial farming, lake fishing and tourism driving the local economy, the cover that makes sense here is specific to Kilifi. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Kilifi Is Different
Whether you are flying out of Nairobi or Mombasa, cover starts when you leave home, not at the airport. Medical treatment abroad is the benefit that matters - the rest is useful, but a hospital bill overseas is what actually ruins a trip.
Schengen visa applications require minimum medical cover of EUR 30,000 including repatriation. We issue compliant certificates the same day in the format embassies accept, which is usually the piece people leave to the last minute.
Adventure sports, pre-existing conditions and travel against medical advice are commonly excluded. If you are climbing, diving or competing, tell us - the cover exists, it just needs to be arranged deliberately.
Coverage Details
Laptops, tablets, cameras, phones, and professional equipment against accidental damage, theft, and loss.
Rings, necklaces, bracelets, luxury watches, and precious items, at home or away.
Sudden and unforeseen physical damage to any specified item, cracked screens, drops, spills.
Items stolen from your person, home, vehicle, hotel room, or office.
Your specified items are covered globally, whether you're in Nairobi, Dubai, or London.
If an item cannot be found and the cause of loss is unknown, many All Risk policies still pay out.
The Process
Provide a schedule of items you want to cover with their estimated values. High-value items may need a valuation certificate.
We issue your All Risk schedule, a single policy covering all specified items at one affordable premium.
When you claim, we replace or repair the item, or pay you the current market value, fast and hassle-free.
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 Kilifi 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 Kilifi.
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.
Home insurance covers items at your home address. All Risk cover follows the item wherever it goes, to work, on holiday, anywhere in the world. It's essential for portable valuables.
Receipts help but aren't always required. Photos, bank statements, or a professional valuation can serve as proof of ownership and value.
Yes. Contact us to add items to your schedule at any time. You'll pay a pro-rata premium for the remaining policy period.
Yes, accidental damage including cracked screens is a core benefit. Some policies have a small excess on phone claims.
Wear and tear, mechanical or electrical breakdown, and deliberate damage are excluded. Items left unattended in a visible location (e.g., phone on a café table) may also be excluded, always secure your valuables.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.