This policy is designed to meet the insurance needs of home owners and occupiers of residential houses. The policy is divided into 5 sections as follows:
This covers residential building, fittings, perimeter wall, outbuildings and swimming pool – where applicable. It covers damage from fire, theft, earthquake, flooding, lightening, collision with vehicles or damages from falling trees, riot and strike. Incase of rental houses landlords extend the cover to include rent receivable. This cover income / rent losses incurred due to occurrence of the risk.
This section covers the home owner’s contents including furniture, fixtures fittings, kitchen items clothes, garden furniture, entertainment systems, desktop computers and any other household items that are fixed or stationed at the insured property.
Covers moveable & high priced items including jewelry, electronic items like mobile phones, laptops, tablets and cameras. These high risk items will be insured from damage and theft. For any home insurance policy, it must include either Section A or Section B, any other sections cannot stand alone on a domestic package insurance policy.
The Work Injury Benefits Act (WIBA) is a statutory benefit mandated by the government of Kenya. All employers are required to provide this benefit for all categories of employees. It covers the domestic staff (maids, drivers, guards, etc) against accidental bodily injury, disablement or death in service.
These two sections cover the owner and the occupier of the residential property against liabilities to third parties while on the residential premises. These may be legal costs, medical expenses and any other indemnity expenses.
Points to note on Domestic Package Cover
- For any home insurance policy, it must include either Section A or Section B, any other sections cannot stand alone on a domestic package insurance policy.
- A written declaration of contents to be insured is required and a valuation of the building.
- Where possible, provide receipts of all electronics. jewellery, mobile phones, digital cameras, etc