• Fire, Lightning, Earthquake or Volcanic eruptions (including flash floods) underground fire, subsidence or landslides.
• Explosions.
• Riot, Strike and civil commotion.
• Malicious damage by persons other than anyone else from your household.
• Aircraft or other aerial devices that may land on your house.
• Bursting or overflowing or escape of water from tanks, pipes etc.
• Wind, Storms and tempest including floods and overflow of sea water.
• Covers liability under WIBA  for domestic employees as results of any bodily injury by accident or diseases arising out of and in the course of employment.
• Accidental bodily injuries/death to third parties to both occupants and owners liability.
• Accidental loss of  or damage to property belonging to third parties to occupants and owners liability.

Benefits for Domestic Workers:

• Death, PTD, TTD, Medical expenses and Funeral Expenses are covered under WIBA.

Minimum premium per policy KSHS. 3,000

What’s not covered:

• Political risks and terrorism.
• Any loss occasioned directly/indirectly by order of government, any public municipal or local authority.
• Unspecified jewelry, watches, gold and silver articles, binoculars and photographic equipment etc for private use.
• Unspecified luggage, clothing and personal effects.