We put a lot of effort into creating a space to live in. A home is our safest place where we get to relax together with our loved ones after a long day. We go out of our way to purchase valuable items that provide comfort to us, our loved ones, and our guests. We constantly improve our living space by upgrading that sofa, buying the latest electronics, and giving our kitchen a facelift. Our home is our pride. 

Imagine getting home one day to find your house up in flames or all the contents stolen? I remember one Saturday in January 2021 I woke up to find all our electronics missing, TV, Laptops, Phones, and my husband’s treasured bike. I couldn’t believe it! Someone had crept through the toilet window and made away with our treasured items. We are thankful to have had good insurance in place.

Who can apply for Domestic Package?

  1. Tenants
  2. Homeowners

What are the sections under Domestic Package?

1. Building

For homeowners, it will cover the building, fixtures, fittings, gate, perimeter wall, and fences against the risks below:

  • Fire
  • Earthquakes 
  • Storm
  • Lighting
  • Malicious damage
  • Riots and Strike
  • Political Violence (Additional charge)
  • Explosion
  • Gas cylinder Explosion
  • Overflow of water from pipes, tanks, and other apparatus
  • Impact by animals and vehicles

2. Contents

What are the contents of your home? They are:-

  • Furniture
  • Fittings and fixtures
  • All household goods, e.g., sofas, curtains, kitchenware, and apparatus,
  • All personal items
  • Property of family members living with you

What are the risks covered?

  • Fire
  • Burglary (must prove forcible entrance & exit)
  • Earthquakes 
  • Storm
  • Lighting
  • Malicious damage
  • Riots and Strikes
  • Political Violence (Additional Charge)
  • Explosion
  • Gas Cylinder Explosion
  • Overflow of water from pipes, tanks, and other apparatuses
  • Impact by animals and vehicles

3. All Risks

All portable items are listed in this section and are covered against theft, fire, and all accidental damage risks. They include:

  • Mobile phones
  • Laptops
  • Jewelry
  • Art
  • Cameras
  • Tablets 
  • Fur

4. Workers’ Injury Benefits Act ( WIBA)

Did you know the law requires you to provide this cover for all your employees? You will list your gardeners, domestic servants, watchmen, and drivers. They will receive coverage against risks arising from work. Cover includes:-

  • Death/Injury arising from work-related accidents
  • Protection against diseases in relation to the employment
  • Permanent & Temporary disability 
  • Medical expenses 
  • Last expense

5. Employers Liability

You will be covered against Negligence Lawsuits by your employees over work-related diseases and injuries

6. Owners’ Liability

This will cover homeowners from lawsuits arising from accidents, bodily injuries to visitors, or damage or loss of their property. For example, lawsuits arising from your dog biting visitors.

7. Occupiers Liability

This will provide protection for tenants against lawsuits arising from accidents, bodily injuries to visitors, or damage or loss of their property.

What is not covered under the Domestic Package?

Some of the exclusions under the domestic package include

  • Any damage or loss prior to the start of cover
  • Wear and Tear
  • arising from accidents, bodily injuries to visitors, or damage or loss of their property.
  • Cost of replacing undamaged items that form a set or pair
  • When you or people living with you deliberately cause damage,
  • Burglary when you leave your home unoccupied for more than 30 days
  • Damage from cleaning, restoring, or repairing your home.
  • Damage from scratching, mechanical damage, or faulty workmanship
  • An explosion from dangerous products stored in the home
  • Pets and livestock
  • Damage or loss to hearing aids or contact lenses (if not provided in the schedule)
  • Breakage of plates, glass, and other brittle kitchenware

How do I get started on Domestic Insurance?

  1. Contact your insurance agent or company.
  2. Provide them with a list of your household items, including their values.
  3. You will receive a quotation.
  4. Fill out the proposal form and pay the premiums.

Would you like to protect your home?