Protecting Your Most Valuable Assets
Tanzania’s position on the Indian Ocean and as a gateway to landlocked neighbors makes maritime trade essential to the economy. Whether you’re importing raw materials through Dar es Salaam port, exporting Tanzanian agricultural products, or operating vessels along our coastline and inland waterways, marine risks are real and potentially catastrophic.
Al Baraka Takaful Marine Insurance provides comprehensive, Shariah-compliant protection for cargo, vessels, and maritime liabilities, ensuring that your international and domestic trade isn’t disrupted by the perils of the sea.
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/commercial)
- Building value or replacement cost
- Contents value and type
- Property age and construction materials
- Security features (alarms, guards, safes)
- Previous claims history
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Contact
- Dar es Salaam, Tanzania
-
+255 22 292 6564
+255 22 292 6563 - info@albarakatakaful.co.tz