Protecting Your Most Valuable Assets
Your property – whether a family home, business premises, warehouse, or investment real estate – represents years of hard work, significant financial investment, and irreplaceable memories or business continuity. Fire, theft, natural disasters, or accidental damage can devastate not just structures, but livelihoods and futures.
Al Baraka Takaful Property Insurance provides comprehensive, Shariah-compliant protection for residential and commercial properties throughout Tanzania, ensuring that your most valuable physical assets are safeguarded against the unexpected.
Coverage Options
Residential Property Insurance
Protect your home and everything in it with comprehensive coverage designed for homeowners, tenants, and landlords.
Buildings Coverage
Structural damage from fire, lightning, explosion
Storm, flood, and earthquake damage
Burst pipes and water damage
Impact damage (vehicles, aircraft, falling objects)
Malicious damage and vandalism
Subsidence and landslip
Contents Coverage
Furniture, appliances, and electronics
Clothing and personal belongings
Valuables and jewelry (up to specified limits)
Temporary removal coverage (items outside home)
Alternative accommodation costs during repairs
Landlord Insurance
Building structure protection
Loss of rental income during repairs
Tenant damage liability
Contents in common areas
Commercial Property Insurance
Tailored coverage for businesses of all sizes, protecting buildings, inventory, equipment, and operational continuity.
Business Buildings Coverage
Owned or rented premises protection
Structural damage from insured perils
Fixtures and fittings
Tenant improvements and betterments
Signage and outdoor equipment
Business Contents & Equipment
Office furniture and equipment
Computers and technology
Inventory and stock
Machinery and tools
Documents and records
Business Interruption
Lost income during closure
Fixed costs continuation
Alternative premises costs
Customer compensation
Specialized Property Insurance
Warehouses: High-value inventory protection with goods-in-transit extension
Retail Premises: Combined coverage for buildings, stock, equipment, and liability
Manufacturing Facilities: Buildings, machinery, raw materials, and finished goods
Hotels & Hospitality: Buildings, contents, and business interruption for tourism properties
Who Needs Property Insurance?
Homeowners
Whether you own an apartment in Dar es Salaam or a house in Arusha, protect your most significant investment and everything inside it. Mortgage lenders often require coverage, but even if paid off, property insurance is essential financial protection.
Tenants
While landlords insure buildings, your personal belongings aren’t covered by their policy. Tenant insurance protects your contents and provides liability coverage.
Landlords
Investment properties require specialized coverage for rental income protection, tenant-caused damage, and liability for injuries on your property.
Business Owners
From small shops to large manufacturing facilities, your business premises are critical to operations. Property insurance ensures that fire, theft, or natural disasters don’t end your business.
Warehouse Operators
High-value inventory stored in warehouses faces risks from fire, theft, and environmental damage. Comprehensive coverage protects both facility and contents.
Real Estate Developers
Properties under construction or renovation require specialized coverage until completion and sale or rental.
Benefits & Features
Claims Process Overview
When property damage occurs, swift action minimizes losses:
Immediate Steps
Secure the property, prevent further damage, contact emergency services if needed.
Report Within 24 Hours
Call our claims hotline or submit online report.
Documentation
Photograph damage, list affected items, preserve evidence.
Claims Adjuster Visit
Our adjuster inspects damage, confirms coverage, and assesses losses.
Settlement Approval
Receive repair authorization or replacement approval.
Restoration
Complete repairs or replacement with approved contractors.
Payment
Settlement disbursed per policy terms.
Required Documentation :
Completed claim form with incident details
Photos of damage (comprehensive)
Police report (for theft, vandalism, or suspicious fires)
Receipts or proof of ownership for contents claims
Repair estimates from contractors
Accommodation receipts (if claiming additional living expenses)
Settlement Methods :
Repair
We authorize and pay approved contractors directly.
Replacement
We provide cash equivalent for replacing damaged contents.
Cash Settlement
For total losses or where you prefer to manage repairs.
Get Your Property Insurance Quote
Protect your home or business premises with Shariah-compliant coverage tailored to your specific needs.
What We Need for a Quote
Property location and type (residential or commercial)
Building value or replacement cost
Contents value and type
Property age and construction materials
Security features (alarms, guards, safes)
Previous claims history