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If you own your own home, you’ll need to have buildings cover just in case your home is damaged and needs a repair. It’s usually a condition of your mortgage and, if you’re a landlord, it’s your responsibility – not your tenants. Although it’s not compulsory, if you own your own home this sort of insurance should be a top priority.

What is home insurance?

This is a general term used to describe two very different types of insurance:

  • buildings insurance – for permanent fixtures and fittings, like kitchens and bathrooms
  • contents insurance – for things you keep in your home, like furniture, TVs and personal belongings

You can buy both types of insurance separately, or in many cases, you can get them as a joint policy from one insurance company.


Sectional title living has grown in popularity over the last decade for reasons which include heightened security and a more communal way of living. Sectional titles tend to be more affordable which makes it easier for young people to own their own property. However buying into a sectional scheme has its advantages and disadvantages.

 What is a sectional title?

The concept ‘sectional title’ describes the separate ownership of units or sections within a complex or development. When you buy into a sectional title complex, you purchase a section or sections together with an undivided share of the common property, which are known as units. A sectional title unit may refer to anything from a mini subtype house, a semi-detached house, a townhouse, a flat or apartment to a duet house.



1 Going it alone: Buying a house is probably the most intricate and time-consuming thing you will ever do. While, for instance, buying a car only requires a sale agreement and a couple of handshakes between you and the seller before the log book is transferred to you, a house requires a lot more than just that cushy mutual consent.

Statutory requirements demand that you seek professional help, especially when it comes to drafting the sale agreement, doing the land title searches, conducting a valuation study, and filling land transfer forms.

Unless you have some magical ability to read between the lines, you cannot afford to go it alone in this case.

The easiest and most convenient way to go about it is to identify a law firm to guide you through the process.

Lawyers who deal with conveyancing are particularly good at this and may save you a pretty penny in the end.

If you are buying the property through a mortgage scheme, the financiers are likely to link you with reputable valuers.

While some buyers choose independent valuers who are not accredited to lending institutions, for mortgage purposes, reports by such individuals are not encouraged and may not be accepted by some banks.

 2 Operating on the basis of faith: They say faith is taking the first step even when you do not see the whole staircase. However, when it comes to real estate deals, you cannot afford to close your eyes and assume that all will be well. You must not just see that staircase, you must also climb it.


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Chester House, 1st Floor Suite 23, Koinange Street,
Tel: 020 2230 682/2217348;
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Electricity House, 4th Floor, Nkrumah Road,
P.O. Box 3380 - 80100, Mombasa

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Mt. Kenya Hse, Ragati Road 1st Floor, P.O. Box 1082, Karatina

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Mt. Kenya Hse, Chamuka Road, P.O. Box 70915-00400 Nairobi

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