Home insurance
What is Home Insurance ?
Home insurance, also known as domestic package, provides protection to house plus possessions (building, electronics, furniture, clothes, cell phones etc.) if stolen or damaged.
This Policy covers :
Cover any accidental loss or damage to the insured property due to:
- Fire, lightning, thunderbolt, earthquake, volcanic eruption or subterranean fire, storm, tempest or flood
- Explosion of domestic appliances
- Riot and strike and malicious damage
- Aircraft and other aerial devices or articles dropped therefrom
- Bursting or overflowing of water tanks apparatus or pipes
Our domestic package also includes :
- Cover for domestic employees
- Personal liability either as an owner or an occupier of the premises
- Loss or damage by theft to specified items (section B and C of policy document)
- Accidental damage to specified items insured under (section C of policy document)
This is a private dwelling, house or private flat, including outbuildings, landlord’s fixtures and fittings, walls, gates and fences.
The contents of the residence mentioned above including furniture, fixtures and fittings, household goods and personal effects belonging to the insured or any member of his family normally residing with the insured.
This cover is appropriate for items that are used away from the domestic premises, for example, mobile phones, cameras, laptop computers, jewellery and other personal effects.
It covers the property of the insured whilst at any location and in any situation within the territorial scope specified in the schedule of the policy against any accident, fire, theft or other misfortune.
The cover enables the insured to comply with the Work Injury Benefit Act (WIBA) of 2007 which is mandatory.
Cover for the insured as the owner of the premises for events occurring on the premises leading to liability at law.
- Forced ATM withdrawal following robbery at home will be covered up to a limit of KSh20 000
- Cover for damage of contents in the freezer as a result of perils mentioned in Section B
- Cover for emergency rescue including cost of fire-fighting equipment at a limit of KSh50 000
Premia Home - Benefits
Buildings
Reinstatement value i.e. the cost of rebuilding the house including walls and outbuildings, making allowance for architects and surveyors fees and cost of debris removal.
Including additional expense of alternative accommodation or loss of rent not exceeding 10% of the Sum Insured of building.
Contents
Replacement value of the property less a deduction for wear, tear and depreciation.
All Risks
Replacement value of the property less a deduction for wear, tear and depreciation.
WIBA for Domestic servants
- Accidental Death – up to 96 months earnings
- Accidental Permanent Total Disability – up to 96 months earnings
- Accidental Temporary Total Disability – weekly Earnings up to 52 weeks
- Medical Expenses – Kshs.100,000
- Funeral Expenses – Kshs.30,000
Employers Liability
- Any One Person – up to Kshs.2,000,000
- Any One Occurrence – up to Kshs.10,000,000
- Any One Year - up to Kshs.20,000,000
Owners Liability
Up to Kshs.5,000,000
Occupiers Liability
Up to Kshs.5,000,000
Personal accident
- Accidental Death – Kshs.2,000,000
- Accidental Permanent Total Disability - Kshs.2,000,000
Golfers Insurance
- Golfers Equipment – Kshs.50,000, Personal Effects – Kshs.10,000
- Hole in One – Kshs.10,000
- Medical Expenses to Caddies – Kshs.10,000
- Third Party Liability – Kshs.500,000 Personal Accident (Death/PTD) – Kshs.500,000
Home Office
Replacement value of the property less a deduction for wear, tear and depreciation
Terrorism, Sabotage & Political Risks
As per section A, B and C
Buy your home insurance online
Buy your Home Insurance via our online portal today in a few easy steps.
Enjoy peace of mind, we will protect your property.