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Madison Money Market Fund Daily Yield: 14.27% Effective Annual Yield: 15.24% Madison Fixed Income Fund Daily Yield: 14.67% Effective Annual Yield: 15.69% Madison Wealth Fund Weekly Average Daily Yield: 13.99% Weekly Average Effective Annual Yield: 14.93%

Welcome to Madison General Insurance, where we understand the significance of protecting your home and its contents. Our Domestic Package Policy offers comprehensive insurance coverage, giving you the confidence and security, you need for the things that matter most to you. 

Three Options to Suit Your Needs: 

Homeowners: 

  • Perfect for individuals who own their primary residence and want comprehensive coverage for their home and belongings. Whether you live in a house or a condo, our homeowners’ package has you covered. 

Renters: 

  • Tailored for those renting a property, providing necessary protection for personal belongings against unforeseen events such as theft, fire, and water damage. Your possessions are valuable, and we ensure they are well-protected. 

Furnished Rental-apartment Owners: 

  • Specially designed for people with furnished apartments for rent on short- and long-term basis, providing coverage for both your property and any domestic employees, giving you peace of mind as a hospitality business owner. 

Cover Summary

Section A – Buildings: 

  • Provides coverage for the main building, outbuildings, fences, and gates against various perils such as fire, water damage, floods, earthquakes, impact from objects, riots, strikes, and malicious damage. 

Section B – Contents: 

  • Offers protection against loss or damage to your house contents due to fire, burglary, and water damage, ensuring your valuable possessions are safeguarded. 

Section C – All Risks: 

  • Covers the loss or damage to portable items, including jewelry, mobile phones, laptops, and more, from any cause, except those specifically excluded in the policy. 

Section D – Domestic Employees: 

  • Provides coverage for your legal liability to compensate domestic servants as per the Work Injury Benefits Act (WIBA), ensuring their well-being and your peace of mind. 

Section E – Third-Party Liability: 

  • Protects you against legal liability arising from accidental bodily injury or damage to property caused to third parties due to the owner’s or occupier’s negligence. 
Couple working together in the living room

Benefits for Domestic Workers:

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

Minimum premium per policy KSHS. 3,000

  • 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.

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. 
  • Quotation
  • Proposal form
  • All risks items schedule
  • KRA PIN
  • Payment of Premium.

Frequently Asked Questions (FAQs) 

What does the Domestic Package Insurance cover?

Our Domestic Package Insurance covers your home, its contents, domestic employees, and provides third-party liability protection. 

How do I make a claim?

To make a claim, follow these steps: 

  • Notify Madison Insurance immediately about any claims to initiate the process promptly. 
  • Complete the relevant claim form with necessary details, helping us understand the nature of the claim better. 
  • Attach relevant documentation such as police abstracts, invoices, or any other necessary paperwork to support your claim. 

What are the benefits of choosing Madison General Insurance?

Madison General Insurance offers competitive rates, a streamlined application process, and a single renewal date for your convenience. 

Can I customize my coverage based on my needs?

Yes, we understand that each homeowner has unique requirements. We can work with you to tailor your insurance package accordingly. 

How do I select the right package for my needs?

Our experienced agents can guide you through the available options and help you choose the one that best suits your circumstances. 

Is there a waiting period for coverage to become effective?

Coverage typically begins as soon as your application is approved and the premium payment is received.

What does the Domestic Package Insurance cover?

Our Domestic Package Insurance covers your home, its contents, and provides specialized options for homeowners, renters, and BnB owners. 

How do I select the right package for my needs?

Our experienced agents can guide you through the available options and help you choose the one that best suits your circumstances. 

Is the application process complicated?

Not at all! Our application process is simple and efficient, making it easy for you to get the coverage you need without unnecessary delays. 

For any inquiries or assistance, feel free to contact us. We’re here to support you every step of the way.

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