Domestic Package

Domestic Package Insurance provides protection to the homeowners/tenants against loss or damage to the private dwellings/buildings, household goods and personal belongings caused by fire, theft, floods, explosion, lightning and thunderbolt.

SCOPES OF COVER

Buildings:
Damage to the buildings including fixtures and fittings, solar heating systems, radio and television aerials, walls, gates, fences, drives and swimming pools caused by fire, earthquake, storm and tempest, floods, lightning, vandalism or malicious damage.

Contents:
Damage to or theft of household goods, personal belongings, and tenant’s fixtures and fittings (including interior furnishings).

All Risks:
Damage to or theft of variable items e.g. electronic or photographic equipment and jewelry. Cover can be extended to worldwide.

Domestic Employees:
Watchman, house help, farm workers (shambaboy) covered as per WIBA Act-2007.

Liability:
Personal Legal Liability to Third Parties for Death or Bodily Injury or damage to property whilst within Kenya (includes golfer’s liability).


Underwriting Considerations:
Insurers are conscious of the moral hazards of any risk i.e. the insured persons

  • Still and video cameras used for commercial purposes are not covered under this policy. 
  • They are covered under the All Risks policy.
  • Section C - All Risks cover cannot generally be provided without Section B - Contents.
  • It is always considered that the Sums Insured under All Risks should not be higher than sums insured under Contents Section
  • Selective insurance i.e. Electronic Equipments Only is discouraged as it will lead to cover decline by insurer

Requirements for Quotations:
A schedule of items to be insured under each category and their total values
Location of Building where the items to be insured are housed
Nature of building construction