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. 

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.