MufasaLoading county cover
MufasaPreparing your cover
Your home is your sanctuary. Let's keep it that way.
Mufasa Insurance Agencies arranges home insurance across Lamu County - Lamu, Mokowe, Shela, Mpeketoni and every town in between. Lamu is Kenya's smallest county by population and a UNESCO World Heritage site, now also home to the LAPSSET port project. With port and cargo traffic, lake fishing and tourism driving the local economy, the cover that makes sense here is specific to Lamu. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Lamu Is Different
The old town's timber and coral-rag buildings carry high fire exposure with limited firefighting access. Marine transport between the islands creates boat and passenger liability risk, and the port construction concentrates contractors and plant exposure. 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.
Holiday and rental properties in Lamu Old Town and Mokowe often sit empty for long stretches. Most policies restrict cover after 30 to 60 consecutive days unoccupied, and an undeclared vacancy is a leading reason burglary claims are refused. Declare it and we will place it with an insurer who accepts it.
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 Lamu 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 Lamu.
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.