Our Home Insurance Cover comprises of coverage for the following sections:

Section A: Building: This covers the private dwelling house, fences, outbuildings and walls against damage by fire, floods, impact, earthquakes and falling aerial objects.

Section B: Contents: This covers contents of all description whilst in the house occupied continuously by the insured against fire & perils, theft, and accidental damage.

Section C: All Risks: Covers portable valuables like jewelry, watches, spectacles, etc. against fire & perils, theft, and accidental damage.

Section D: WIBA (Work Injury Benefits Act) : Cover insures against personal injury or sickness to domestic servants such as stablemen, gardeners, house helps, cooks, cleaners, and watchmen while on duty.

Section E: Occupier’s Liability: This is cover for owners’ legal liability to third parties that could accrue to the insured person from occupancy of a house whether he/she owns it.

Section F: Owner’s Liability: This is section covers occupier’s and personal liability to third parties in the premises. Such liability includes injuries caused by domestic animals like cats, dogs, and horses.

Requirements

Upon onboarding:

• Copy of ID/Passport
• Phone number
• Email address
• Copy of KRA Pin Certificate
• Value / sums insured and listing
• Location of the risk/ home

Premiums

The rates are flat on each Section and are always minimal.

NOTE:

• Part C (All Risks) cannot be taken without part B (Contents).
• Please select the premiums from the above premium schedules that correspondences to the value of your building, contents, or all risks items.