Domestic Package Insurance

Get the best domestic package insurance in minutes

• Asset Preservation: Mitigate the severe financial impacts of sudden physical damage to your structure, fixtures, fittings, and interior design investments.
• Tenant Flexibility: Renters can opt for a "contents-only" plan, ensuring their furniture, clothing, and electronics are protected without paying for the physical building structure.
• All-in-One Premium Convenience: Consolidates multiple risk safeguards—fire, theft, and third-party lawsuits—into a single annual payment.
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• What it covers: Walls, roofs, gates, fences, outbuildings (like servant quarters), fixtures, and fittings against perils like fire, lightning, explosions, earthquakes, and wild storms.
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• What it covers: Furniture, kitchen appliances, home electronics, carpets, and clothing against theft following forcible entry, or damage from fire and water leaks.
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• What it covers: Smartphones, laptops, jewelry, cameras, and watches against accidental damage or loss anywhere in Kenya.
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• Public Liability: Protects you if a visitor suffers bodily injury or property damage while inside your home and sues you.
• WIBA (Work Injury Benefits Act): Mandatory legal cover that handles medical expenses and compensation if your domestic staff (such as house helps, gardeners, or security guards) are injured while on duty.

The Inventory Validation Rule: > To guarantee a seamless and rapid claims process for Section B and C, always maintain a detailed, up-to-date asset inventory file with original purchase receipts and photographs of your high-value electronics and jewelry.

• Value of the Property & Contents: The primary baseline is the total sum assured. The cost to entirely rebuild the structure (not the market land value) and the replacement value of your contents set the rate.
• Location and Local Security: Homes located in neighborhoods with high security infrastructure or gated communities often attract more favorable rates compared to isolated areas.
• Construction Materials Used: Buildings constructed with standard materials (stone walls and concrete tile roofs) carry a lower fire risk profile than those incorporating timber or thatch elements.
• Presence of Safety Measures: Installing proactive safety tools—such as functional fire extinguishers, smoke detectors, burglar alarms, and 24/7 CCTV—directly lowers your underwriting risk.
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