Home Insurance

This is commonly referred to as domestic package policy. It provides cover to a residential house, its contents, owners and tenant’s liability and domestic servants. The policy has the following sections.

Buildings Section
Covers the building itself, fixtures & fittings, SQ, wall fence and the gate. Perils covered are fire, domestic explosion, earthquake, floods, storm, bursting and overflowing of water pipes and impact damage by vehicles and animals.

Contents Section
It covers loss of or destruction of furniture, household goods and personal effects.

All Risks Section
It covers portable items belonging to the insured. This includes laptops, jewelry, mobile phones.

Domestic Servants Section.
Covers domestic servants against death or injury disease arising out of and in the course of employment.
Premium Ksh.500/= per employee. Cover subject to WIBA limit.

Occupiers/Owners Liability.
Covers liability of the occupier or tenant of the building to third Parties . The policy provides free cover of up to Ksh.2M.

Documents required in the application of home insurance